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

There is an account for a timeshare company ( XXXX XXXX XXXX XXXX ) listed on my credit report. I sent separate certified letters to both the company ( XXXX XXXX in FL ) and the Credit Bureaus ( Equifax and XXXX ) disputing this account. I asked for validation of this account and a signed contractual affidavit showing that this was indeed my account and not a mistake on their end. I received documentation from the credit bureau as the item being updated but nothing showing a signed contract. I have yet to receive any documentation from the company ( XXXX XXXX ) regarding this account. This account is currently listed on my credit reports as a negative item with a balance of {$14000.00}. I have never had an account with ( XXXX XXXX XXXX XXXX ) and do not even own a timeshare. I have never utilized any services related to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

" CREDIT BUREAU SYSTEM '' ( XXXX XXXX XXXX ) continues to violate my rights. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate. This is grounds for removal.

They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Credit Control Corp is reporting negative information on my file for # XXXX from XXXX XXXX. I called XXXX XXXX and gave them my name social date of birth they said i donot owe them anything. called credit control corp and they said they dont know what it is and when it occurred. credit control corp never send me any written notice before or after putting on my credit files. i have called and requested them to provide me any bills any signed copy or any documents to prove this debt. i have disputed this with credit reporting agencies but credit control corp simply verify this as correct information and refuse to take it off. on top of all this they are reporting three totally different information about this account to these three reporting agencies. Dispite many many letters and phone calls this wrong information still shows on my file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with Equifax and I have not been able to get this harmful and inaccurate information off my credit profile, even after submitting a police report and an identity theft form. Many addresses, phone numbers, and names have been found on my credit profile that I am not responsible for nor associated with. This fraudulent information is harmful to my profile, it is affecting all aspects of my life, and hindering me from any financial decisions. It is robbing me of my basic rights as a citizen of the UNITED STATES OF AMERICA. Equifax is the company responsible for allowing this information to be reported on my account in the first place. Many people are very ignorant of their credit profiles and do not know that Credit Reporting Agencies make money while their information is on their report, regardless of whether it is true or false information. I did not apply for the following accounts/services, I have been traveling the world back and forth. I did not give Equifax consent to place anything on my profile, nonetheless anything FRAUDULENT. I am being denied basic human rights such as shelter, safety, and privacy. If the following fraudulent accounts and fraudulent address are not removed from my Equifax credit profile, I will be forced to hire an attorney and seek damages due to Equifax 's unchecked and UNLAWFUL actions against my life and my credit profile. 


FRAUDULENT ACCOUNTS BELOW 1. XXXX XXXX xxxxxxxxxxxx XXXX 2.  DEPT OF ED / XXXX XXXX XXXX FRAUDULENT ADDRESS XXXX XXXX XXXX, XXXX, MI XXXX
Product: Consumer Loan

Took out a loan with One Main Financial for {$5000.00} but it was reported to the credit bureau as almost {$10000.00}. It was the interest if the loan was paid back as scheduled but that interest is n't due except what is due at the payment due date. I have paid a lot of extra payments but the loan still is reported as if only a full balance of interest and principle is still due. In other words they are over reporting to the credit bureaus the amount of the loan and they are still only showing the payments I have made as principle and not lowered the amount because interest would be a lot less. I have made about {$2000.00} payments in less then 4 months so interest on the loan would be considerably less if they are allowed to report the future interest as balance due on the loan.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX student loan accounts opened with the U.S. Department of Education on XX/XX/XXXX ; a collection account opened with XXXX XXXX XXXX on XX/XX/XXXX ; a loan account opened with XXXX XXXX XXXX on XX/XX/XXXX ; a charge-off loan account opened with XXXX on XX/XX/XXXX ; and a hard inquiry from XXXX XXXX on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or the hard inquiry as reported. These accounts, collections, and the hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and the hard inquiry are the result of identity theft and fraud.
Product: Credit reporting

I have disputed Chapter XXXX bankruptcy with Equifax they signed for my initial certified dispute letter on XX/XX/2016. They responded that they have verified the reporting to be accurate from the federal bankruptcy court. I requested validation in the form of my signature, they failed to provide that to me validation. I also submitted them a copy of a letter from the bankruptcy court stating they do not provide any information to the credit bureaus along with a 2nd dispute letter which they signed for on XX/XX/2016. This is deformation and Violation of the Fair Credit Reporting Act. I demand that it be removed immediately from my credit report. As of today XX/XX/2016 they still have failed to validate this or mark my report as disputed. Equifax has failed to properly investigate this. They sent me the same verification letter both times within 4 days of signing for the letters. Which tells me they generated a pre-written letter from the computer and sent it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit act section A1A you are required by federal law to verify the physical verification of the original sign consumer contract all accounts you post on your credit report otherwise anyone paying for the reporting services could fax mail or email in a fraudulent account I demand to see verifiable proof and original consumer contract with my signature on it that you have on file this accounts listed below your fails should possibly have verify these accounts has hurt my ability
Product: Credit card

Companies harassing me for late charges and interest charges. 
Macys Credit Card Company Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I opened a Macy 's account on XX/XX/XXXX. However, nine months passed before I received a bill due to an incorrect address on their records. The post office finally corrected the mistake and sent me a bill which included interest and penalties. However, by this time I had already been sent to a collection company. I contacted Macys billing to let them know I was willing to pay the original purchase amount immediately upon receipt of the bill. I paid Macys-All Div the original purchase amount of {$390.00} on XX/XX/XXXX. I was told by XXXX XXXX XXXX of XXXX to pay this balance and I did over a year ago. I don't understand what else Macy 's wants me to pay. I also received a letter from Macys stating the balanced had been paid off and no other action was necessary. Upon reviewing my credit report XX/XX/XXXX, I came across the issue again. Except this time, they reported the left over balanced which is comprised of penalties and interest only. I have not received any letters from Macys, Citibank, XXXX XXXX XXXX regarding my dispute. I spoke with XXXX of Citibank, and she recommended I send a dispute letter again to Macys Billing fax # ( XXXX ) XXXX XXXX. I spoke with XXXX today XX/XX/XXXX and they would place a dispute notice on my account.
Product: Checking or savings account

I opened a Citi Priority checking account in XX/XX/XXXX because I received their advertisement stating I could get $XXXX bonus if I fulfill the following: Open the account by XX/XX/XXXX, fund the account $XXXX, and make 2 direct deposit. There were no mentioning of "existing account holder not qualified" on the ads, and I had a checking with Citi but I still received this ads, so my understanding is that I qualify. I fulfilled all the requirement by XX/XX/XXXX, and did not see the bonus of $XXXX. So I called Citi. The agent did some research, and told me to wait some time. So I waited till XXXX, and called again since the bonus is still not posted. Another agent said I need to wait 3 months after all the requirements are fulfilled. So I waited another month. Still nothing. This time, the agent told me they would research and send me a letter. I received the letter, which said I did not qualify because of my existing checking account. I believe it was very dishonest for Citi to do. First, they should not have sent me the ads if they know I did not qualify. Second, they knew I had an account and should have told me at my first contact. But instead, they told me to wait and held a large amount to them for zero interest for almost 6 months. This is textbook definition of Bait-and-Switch. I cannot believe a large corporation like Citi is doing such dishonest things to its loyal customers.
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 : XXXX XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; Discharged XXXX : Bankruptcy Reference Number XXXX ; XXXX Filed : Bankruptcy Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX  XXXX XXXX , WI XXXX ; XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX  Account number XXXX, XXXX Account number XXXX, XXXX Account number Account number XXXX, XXXX XXXX XXXXXXXX XXXX Account number XXXX, XXXX  XXXX XXXX  Account number XXXX, have violated my rights. 
15 USC 1681 section 602H states I have the right to privacy.

15 USC 1681 section604A section2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXXXXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX BANK XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION Here XXXX attach, along with the dispute, my fraud report that I just sent to TRANSUNION for XXXX second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised in XX/XX/XXXX. I purchased credit monitoring package from XXXX including all 3 credit reporting agencies. There was about 8 accounts opened with my ssn but we caught it in time so they couldn't do serious damage. Recently these fraudulent accounts have been removed from my record by XXXX and XXXX XXXX. No luck with Equifax. After numerous security questions they told me I failed to identify myself. 3 days later I tried to use my XXXX XXXX card but they told me it was cancelled by Eqiufax.  That was true embarrassment but card was dead. Card was issued by XXXX XXXX, so I checked other accounts related with XXXX XXXX.Sure enough, XXXX XXXX card with only {$150.00} balance, cancelled, XXXX card, cancelled. Obviously they couldn't touch or close real banks like XXXX  XXXX XXXX and XXXX XXXX. These accounts they didn't close. 
When I called them originally, I gave them the fraudulent accounts and they had those anyway, they still closed all my accounts with XXXX XXXX XXXX. Do they have right to do that, who are they protecting, I am the victim, and they are just punishing me even more. Never the less was their customer service. Beyond comprehensive. I kept on telling them that I can not understand what they are saying, but they kept saying, what is so hard to understand. Sorry, cant speak XXXX XXXX or XXXX. 
Can anyone stop this Equifax from torturing hard working people in this country
Product: Credit card or prepaid card

I ordered and received 3 pair of shorts from XXXX on or about XX/XX/2018. I returned all 3 pair  in same pkg on XX/XX/2018 prior to receiving my statement. When I received my statement I noticed a late payment fee so called on XX/XX/XXXX and spoke with several customer service representatives and was told they would waive the late fees and I only had to pay {$9.00} to pay balance which was for shipping label I used to return the shorts. I paid it that night and have received another statement for late payment from XXXX. Apparently the 3rd pair of shorts was never credited. I emailed customer service on line and was told they only showed credit for 2 pair! This is obviously an error on XXXX or XXXX part. I am disputing the balance! {$9.00} plus late fees. Bringing balance to {$34.00}!!! Also XXXX reported late payment to credit reporting agencies which has affected my credit score. I reported dispute to them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020 I placed a dispute through Experian that my credit card balance with XXXX XXXX ( XXXX XXXX ) is still reflecting an inaccurate balance of {$250.00} when this was paid in full as of XX/XX/2020. Today is XX/XX/XXXX, and my dispute was completed with the same balance that XXXX XXXX reported with the same inaccurate balance. 

I tried calling XXXX XXXX customer service to speak to a supervisor to have the balance information updated but was spoken to rudely and refused on several fronts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Experian. XXXX, AND XXXX Credit Bureaus that aacount inmy report are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Consumer Privacy Bill of Rights Act which were enacted by congress to protect and secure the use of my name, identity, privacy, and rights as a consumer. 
I have never given any consent or authority to your agency to use any of my personal information for any means. This is NOT a request for verification nor is it a request for verification via XXXX The reporting of inaccurate and unsubstantiated information without consent to any consumer report may constitute constructive fraud under federal law.

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately
Product: Credit reporting or other personal consumer reports

I received a notification from credit karma between XXXX XXXX and XX/XX/year> an inquiry made by XXXX was added to your credit report ; however, I have not applied for a new line of credit or given consent for my credit to be ran.
Product: Credit reporting, credit repair services, or other personal consumer reports

I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked for XXXX  XXXX XXXX XXXX to provide ALL OF THE FOLLOWING : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 

AND 3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them ( XXXX  XXXX ) the exact amount claimed of {$1500.00}. They also placed a remark on my account stating, " Account information disputed by consumer, meets FCRA requirements. '' No, this does NOT meet FCRA requirements if you FAILED to provide me all of the information that I requested. On multiple occasions, they failed to provide me with " HOW '' they validated the debt that I supposedly owe them. 

Also, the FCRA states that all data being reported must meet specific criteria such as : 1 ) information being 100 % timely, 100 % accurate and 100 % verifiable. If they couldn't verify the debt properly, how does this meet FCRA requirements? This is clearly a violation of my rights as a consumer, therefore, against the laws. I have no contractual obligation to XXXX XXXX XXXX XXXX, therefore, not owing them any debt. 

I've sent them letters ( And to the Collection Agencies ) dating back to last year and these dates are as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$33000.00}, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX  XXXX Balance : {$5300.00}, XXXX XXXX  XXXX Balance : {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following debts belong to my father who died from XXXX  in XXXX XXXX. His death certificate was sent to the original creditors and they sold his debts anyway to collectors who tried to collect the debt that's not mine for two years. My father live with me the last year of his life during that time stole my identity his name is XXXX XXXX XXXX XXXX and obtain credit cards services at the hospital and wrecked my life. A XXXX XXXX XXXX XXXX judge has already dismissed two of the following debts has not mine when they tried to sue me yet they keep putting it back on my credit. The following is a list ( XXXX XXXX XX/XX/XXXX {$1600.00}. Disputed twice still on XXXX credit report ). ( law offices XXXX {$2600.00} XX/XX/XXXX ) ( Resurgent funding. 2 accounts. {$1300.00}, {$1400.00}. Cards obtained XXXX XXXX. Collection began XX/XX/XXXX. ( XXXX XXXX  {$4300.00} XX/XX/XXXX. Never applied or received the loan from these people never received funds ). ( XXXX XXXX  XXXX. XX/XX/XXXX {$760.00} this list of collections not my debt. They were all obtained by stolen identity yet they punished me now my good credit all these years. In comparison if you look at my legitimate accounts I have never had a late payment or a missed payment in 30 years. I paid off my student loans my home my car 's various different loans over the years without ever missing a payment this in contrast for the false information that basically has my life shut down now at XXXX XXXX XXXX. I'm appealing to you for help in this matter immediately as it is basically cause all doors for me and my wife to move forward in life just in our retirement time. Please help us I know I'm small and insignificant and probably not even worth a lot but I have a lot of faith in you thank you.