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

Previously ( XX/XX/XXXX ) disputed an account with two credit bureaus : TransUnion and XXXX but only XXXX deleted the inaccurate account ( XX/XX/XXXX ). Now this account remains on my Transunion credit file causing distress and recent denial from housing. I am requesting that TransUnion look over the account and delete it to make all three of my credit files 100 % uniform in accuracy.
Product: Student loan

I requested a paid in full loan refund on XX/XX/2022 from XXXX XXXX. My loan was transferred after that to Aidvantage. Aidvantage does not have any of my information and can not give me an update for my refund request. I feel as though I am in limbo and have no one to communicate with.
Product: Debt collection

I have a payday loan that I am paying through the Collection Agency. This other bill Collector comes out of nowhere calling my job, family members and threatening to arrest me if I do n't pay {$800.00} that I am already paying. They said they are Central Mediation Agency. Extremely rude too. After talking to 3 crazy people I finally got one sane person who promised to stop. The following day they started calling again from different numbers. Please help me stop this madness!!
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX  XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX- fraudulent XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- mortgage shopping and I dont have an account with them. I do not recognize this XXXX- unauthorized XXXX XXXX-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX Premium credit bureaus XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries
Product: Mortgage

THIS IS XXXX XXXX XXXX AGAIN THE LAST TIME THAT I WROTE TO YOU TO MAKE A TWICE COMPLAIN WAS ON XX/XX/2021, SINCE THAT TIME AND MORE BEFORE THIS PROCESS OF LOSS MITIGATION THAT I SEND ALL PAPERS AGAIN THE BANK FIRST BANK OF PUERTO RICO NUMBER OF LOAN XXXX. THE BANK NEVER CALL ME, NEVER SEND A LETTER SINCE A WHOLE OF MONTHS AND AND ANOTHER SUPER MISTAKE I LOST MY MOTHER AND FATHER FROM XXXX AND ALL THIS TIME WAITING AND WORKING WITH THIS SAD PROCESS AND NOTHING FOR THE END THIS BANK FROZE MY BANKING ACCOUNT JUST, BECAUSE MY MOM HAS AND MONEY ACCOUNT IN THIS BANK. NOT I MAKE ANOTHER COMPLAIN BUT REALLY ITS SO SERIOUS WITH THIS BANK TO ME BECAUSE I THINK THEY WANT TO WIN TIME TO MAKE ME A TAKE ME THE HOUSE AND I GON NA SLEEP IN THE STREETS OF XXXX XXXX SO SAD. BECAUSE I WORK TO HARD THE LAST 17 YEARS THANKS AND BLESSINGS PLEASE HELP
Product: Payday loan

Having some place called XXXX calling my work and I have never received anything in writing from them regarding this so called debt that I owe.
Product: Debt collection

I am XXXX years into Bankruptcy and have not added any debt. I have no credit cards, and all account are in good standing. 
I got a call and the caller gave me my correct last XXXX of my social and told me my home address and gave me my wife 's name. without me giving any info. 
then the caller insisted there was an official letter sent out twice ... once in XXXX on the XXXX of XXXX and again in XXXX on the XXXX of XXXX. I said I never got them. they said I was being served and wanted to make sure I was home to sign .... which I found odd since served papers don't really need a signature. Then the letters XXXX. were said to me, and that's when I said I filled bankruptcy XXXX years ago and I am still in the middle of that. They said they were freezing my bank account and all that which is when I knew for sure they were scamming me. 
But they did have some of my information. 
the caller began to negotiate an amount with me .... 

I said to the caller, I was giving this info to my attorney to confirm ... then the caller hung up. 

the phone number that called me was ... XXXX the phone number that I had to call, cause the call dropped was... XXXX then they gave me a case number... XXXX I need to secure my data now since they have my info without me giving it to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a current victim of identity theft, XXXX, Equifax, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX XXXX XXXX ( {$7800.00} ), XXXXXXXX XXXX  ( {$5900.00} ), XXXX XXXX ( {$6100.00} ), XXXX XXXX ( {$6300.00} ), XXXX XXXX XXXX ( {$3200.00} ), XXXX XXXX XXXX ( {$7400.00} ), XXXX XXXX ( {$1400.00} ), XXXX XXXX XXXX XXXX {$570.00} ). FTC has been filed in XXXX of 2021 they did not comply within the 5-7 business days according to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently became aware of a credit card with   XXXX   XXXX    that was opened in my name by my sister and her husband. The account is past due and affecting credit score because both my sister and her husband were   XXXX   in an   XXXX   XXXX   so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the   XXXX   XXXX   of my sister which I faxed to them. After  2  weeks never heard back from them and called them again to get the status and was put on hold for over 30 minutes and when the rep returned she simply told me that the account had been closed and when I asked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT HAS BEEN INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND REFUSED THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS. 

FURTHER, PURSUANT 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY.

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY.

I AM DEMANDING, UNDER PENALTIES OF PERJURY, FOR YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAILS OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETHER THE TRANSACTION TOOK PLACE OR NOT PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND TO DO THE FOLLOWING : XXXX. DELETION OF THE ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I signed up for this service based on seeing some videos on XXXX and reviewing customer feedback. 

By XX/XX/XXXX I had had my initial consultation with the agency. Upon the time the call was set to start no one reached out. XXXX, a supervisor who is no longer with the company for deleting data and defrauding customers per the CEO, was let go and has charges pressed against him. 

XXXX never submitted my data, deleted my data, and every time I called in over the last 90 days I was told to just call back and they would review it and set up another consultation. I was lied to every step of the way. 

Last week, I called in to file a complaint with the company, and spoke to the Director XXXX, who promised me that my data was submitted and they had it in their systems, and would scan it and email it over to me the following morning. He never did. 

I ended up writing XXXX on XXXX and XXXX to explain the situation. He was able to call me the next day and express his deepest apologies for the absolutely horrible service, advised me on the ongoing charges and why he fired XXXX. He promised to make things right and personally handle my claim. He advised he would follow up the next day, and never did. I called in, and was told he would call me the following day. He never did. I sent several emails to him, no reply. On friday, XX/XX/XXXX I was told I would get a phone call from him today, I advised I would be filing a lawsuit and passing this on to my Attorney XXXX XXXX. He followed up again over XXXX to advise he would be in contact with me on Monday, today XX/XX/XXXX. He never called. 

I called in to speak with him and got XXXX, the XXXX who told me to file a lawsuit. 

This company needs to be investigated for fraud and mishandling of personal information. Will be filing a complaint with the Texas AG as well. 

XXXX, you had every chance to make this right, and I am sorry you didn't follow through with your word. I told you several times I did not want to go this route.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Capital Accounts. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing unrecognized inquiries into my perfect credit history for a couple of years and have been denied every dispute, without being provided actual proof of the validity of each and every inquiry. They simply verify it with a third-party company and say it has been verified, often within minutes of filing an actual dispute. 

Below are the inquiries which I do not recognize and most certainly did not authorize by these creditors. No new accounts ever resulted from the inquiries. I am a past victim of identity theft many years ago. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  My personal address on file are : XXXX XXXX XXXX, XXXX, TX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX My Date of birth is : XX/XX/XXXX Name : XXXX XXXX XXXX Last Four of SSN : XXXX These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my XXXX score and affect the rates I pay on personal and business credit. 

Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration.
Product: Credit card

I have been trying to update the address on my account with upgrade for over a year. The asinine list of required actions I must take in order to change my address is absolutely ridiculous. This cumbersome process to simply update my address on my account is unnecessary. I have provided them with a copy of a utility bill copies of my photo identification a picture of myself holding my two credit cards that they have with me. Pictures of me holding my photo identification to prove who I am. I've spoken with multiple agents who have confirmed my identity using my personal information including my social email address, date of birth, full name, and yet they still want me to hand right? A note that includes all of my credit card information on it and a photograph of me holding said note. I am done jumping through hoops. There is no logical reason to need me to handwrite a note that includes my account information for which I've already provided a photograph of me holding the card ( front and back ) and I've provided the card numbers verbally. I've also provided my social security number in writing, via email and they refuse to update my address. Also had me send a photo of myself holding my own state ID. I didn't even need to go to this extent when I change my name after getting married. I feel that I'm being discriminated against and treated unfairly. As a person that works for one of the largest banks, within a risk, compliance and regulatory review role, there is no reason to go to this extent of leg work and jokester requirements to change an address. And of course, they get to force you to abide by their ridiculous requirements because otherwise you can't use your account. Quit being a bully. Don't you realize that by refusing to update my address you are then sending all my mail ( including updated cards ) to an old address and exposing my account to risk by releasing my confidential information to the new person at that address.
Product: Credit reporting or other personal consumer reports

I have tried over the last XXXX years to get these accounts resolved on my consumer report with the XXXX credit bureau agencies and they keep saying the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are coming back as verified without any documentation. I sent letters of debt validations to each of the collections agencies and neither responded to the correspondence nor offered any proof that they legally owned the debt. These XXXX party creditors have not validated that they have the rights to own the debts after being given 30 days to respond as these debts have been written off and the original creditors have sold them to a third party without my permission. They are reporting these collection as an " OPEN ACCOUNT '' which is not under FCRA XXXX. This is inaccurate reporting and needs to be removed immediately. 

Please be advised that as of ( XX/XX/year> ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. 

Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. They are charge offs reporting with a balance and negative late payments on these accounts. 
Starting XXXX days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. 

If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below which are bankruptcies has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my Experian credit report on XX/XX/XXXX 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 general lf, 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

its XXXX different addresses that dont belong to me these addresses are nonmailable XXXX, the adresses is XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX ill XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ill XXXX XXXX XXXX XXXX XXXX XXXX ill XXXX, XXXX XXXX XXXX XXXX XXXX  ill XXXX, these addresses are not mailable my address is XXXX XXXX XXXX XXXX il XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I dispute incorrect addresses, names, and phone numbers from my consumer report with Experian. They failed to update my information as requested and only removed some addresses and phone number. There are 9 different names that are reporting inaccurately on my consumer report. I only have and use one name. They are reporting 9.
Product: Credit reporting or other personal consumer reports

I am not affiliated with these creditors and have no ties to the inquiries.
Product: Prepaid card

I am attempting to activate an American Express gift card, sold by AmexGiftCard.com, which was sent to me by a relative via mail order. The instructions say to activate the card by checking the balance on the AmexGiftCard.com website or to call their phone line. 

The website is broken and can not activate the card. I have tried multiple browsers on multiple computers ( Both XXXX and XXXX on a XXXX XXXX computer, both XXXX and XXXX on a XXXX computer ). In all instances, the check balance site lets me enter the card info, but then shows no change when I click " continue. '' I am currently living abroad and can not call their number, and there are no alternatives listed for help activating the card. 

The card remains unactivated and unuseable with several XXXX dollars on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identiy theft filed a police report and sent it to companies reporting information. Credit Bureau stated the fraudlent information was verified by creditor. But could not provide proof of verification any documentation. I need this account deleted it not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I found XXXX ( XXXX ) hard inquires that were inaccurate of my credit report. I did not authorize anyone to run my credit for anything. The companies are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX. Please investigate this matter.
Product: Credit reporting or other personal consumer reports

I am attaching materials confirming the continuing unlawful omission of my suffix and variation of my name and address. Each of the attached items arrived after I initiated my complaints. 

An identity theft report ( XXXX XXXX ) is currently pending with my local enforcement office ( concerning XXXX activity and recent omission of my suffix ). Failures to correct my name and address ( as previously requested ) could easily impede the investigation of the aforementioned report by local and/or state law enforcement. 

I have filed multiple reports seeking the correction of my name and address. Although this is a purely ministerial request, the attached materials ( transmitted via USPS ), however, suggest an almost comical, concerted effort to do otherwise. 

What may seem comical to XXXX, Equifax, XXXX, and/or others, however, may be criminal in the eyes of state and local law enforcement, so I need to alert the CFPB to the attached.

In an abundance of caution, I am also attaching a report revealing a mistaken date of birth. Although I was conceived in XXXX, I was born in XXXX. Alerting the CFPB to this report seemed the easiest was to eliminate any Date Of XXXX ( XXXX ) XXXX constructs relying on the attached or similar documents.