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

I previously notified XXXX  thru the CFPB that I am a victim of identity theft, XXXX  responded that Fraudulent accounts were verified as accurate. I would like to know if a account is FRAUDULENT how is able to be verified. I stated that I am a victim of identity theft and I had nothing to do with the following listed on the FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are incorrectly reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with EQUIFAX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX Incorrect information identified in reports from all three credit bureaus : Inconsistencies in Payment Comments : XXXX : " Purchased by another lender. '' XXXX : No comments provided. 
Equifax : " CHARGED OFF ACCOUNT. '' Discrepancy in Date of Last Payment : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 
Discrepancy in Last Reported Date : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 


Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting or other personal consumer reports

I am using HireRight for a background check. I have sent over XXXX documents for XXXX employers for verification, both public schools in New York XXXX. I have sent XXXX from from the school and transcripts from the IRS. There is an issue with each document. No one will tell me what the issue is. I have spent over XXXX hours with customer service and they read a script, repeat the same things over and over and provide no information or support. I have sent over XXXX emails, and every response is exactly the same but from a different representative. They have asked for a XXXX form from over 10 years ago which is illegal. They said they could not contact XXXX of my employers ( a public school ) that they called in the summer on a Friday night at XXXX. I can not get anyone to help me complete the needed documents nor can I find anyone to answer questions.I am at a loss. I am a XXXX XXXX XXXX and I have passed a background check before, with this company, XXXX years ago!! This is really unacceptable!
Product: Debt collection

Midland Credit Management has called me over 15 times everyday for the past month. They have called XXXX XXXX XXXX XXXX XXXX including on weekends. They have been unable to provide proof that a debt is legitimately owed and has continued to call excessively. I am at my wits end from being harassed every single day by this company.
Product: Money transfer, virtual currency, or money service

On XX/XX/20, At around XXXX, I XXXX XXXX XXXX attempted to cash my check from the Wells Fargo Branch located on XXXX XXXX XXXX XXXX XXXX XXXX , NM, XXXX. At around XXXX I had called the ( XXXX ) XXXX and spoke with a gentleman named XXXX ( I think ) over the phone. I asked XXXX if it were ok if I had parked my car in the parking lot and could cash my check at the drive through without a car. XXXX told me Wells Fargo would accommodate my needs so I could cash my check. When I arrived at the teller via drive through, with out a car, I encountered and spoke with Service Manager 1 XXXX XXXX Employee ID : XXXX XXXX. Mr. XXXX told me that he would not cash my check despite me explaining to him I was told by a Wells Fargo employee over the phone that Wells Fargo would accommodate my needs to cash my check via drive through without using a car. I also told Mr. XXXX I had waited for an hour and was told it would be ok via phone call and showed him the phone number I had dialed. Mr. XXXX did not cash my check. As I was leaving Mr. XXXX told me I should get a bank account to avoid this issue. Then I contacted the branch again via telephone to see if it were possible for me to schedule an appointment, in person, so I could cash my check. I spoke with a person named XXXX using telephone number ( XXXX ) XXXX. I was told the branch would not cash a check in person and that it would have to be through drive through. I told the person ( I lied ) that I didn't have a vehicle to cash my check via drive through, so how would I cash my check? Their reply was that I would need a vehicle to cash my check. 

I then decided to cash my check via drive through, using my car. At around XXXX I spoke with the same person Mr. XXXX via drive through. 

My issue is this : After speaking with Customer Service over the phone and being told I wouldn't be able to set up an appointment to go in person to cash my check because appointments were not needed to cash a check. 
I was told, via telephone, appointments are only to open/close accounts and or other banking needs not related with cashing a check. At around the end of my recording I mentioned to XXXX XXXX during this whole pandemic people without vehicles will not be able to cash their checks in the lobby. Mr. XXXX didn't reply to my question and referred me to the feedback card. 

The problem with this is people who do not have a vehicle nor direct deposit nor access to a device to take a picture and send via mobile app to Wells Fargo will not be able to cash their checks with the branch.
Product: Debt collection

Green Sky XXXX  XXXX  XXXX  and XXXX  XXXX  XXXX, XXXX XXXX fraudulently opened a loan for {$7200.00} in my name. Green Sky XXXX XXXX XXXX  is colluding with XXXX  XXXX  XXXX, XXXX XXXX. XXXX XXXX promised to build a glass patio enclosure, in a contract executed XXXX XX/XX/2021. We thought XXXX XXXX would finance the project and we would repay XXXX XXXX within two years of finishing the project. XXXX XXXX accepted a personal check of {$15000.00} as down payment to begin work. On XXXX XXXX, 2021, XXXX XXXX contacted Green Sky and demanded {$7200.00} as *additional down payment*. We protested. We never authorized Green Sky or XXXX XXXX to charge {$7200.00} against a loan. XXXX XXXX never did any work- no demolition, no materials ordered, no construction, nothing. I say this again : XXXX  XXXX  DID NO WORK. XXXX XXXX stole {$15000.00}. GREEN SKY continues to add interest and late fees to the original *loan* for a non-existent glass patio enclosure, and sends monthly statements and threatening letters.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Product: Credit card or prepaid card

XXXX is reporting missed payments in XXXX and XX/XX/2021. I was sick and in the hospital with XXXX and fighting medical issues that has led me to be XXXX percent XXXX as shown by the attached documents. I suffered identity theft during that time and perhaps a payment card was affected and that could have caused a payment processing issues. I never had an issue paying and have completely paid off this account easily with a XXXX dollar payment before you all decided to close it without my consent. Please check my XXXX XXXX and see that I qualify for this card. I loved shopping at your store online, and would like to continue doing business. Please have some compassion on me and delete this late payments as they are not mine and occurred as a result of technical issues beyond my control. I was incapacitated at the time and addressed the technical situation with my bank after I became aware of and issue.Please escalate this to a manager who could grant this request if needed. It would be a great help for me. I am so exhausted and my health if deeply affected by the stress of trying to get this resolved.
Product: Credit card or prepaid card

I have filed previous complaints about Synchrony bank. I have multiple accounts with them. They repeatedly do not apply my payments correctly. This time it is with my Walmart Card. My last payment has disappeared from their system, I made a payment on time last month, and now they sent me a certified letter stating that my payment was never made ... but my balance was reduced after my payment and I went shopping. So how could this be?! Now the system says I have n't made a payement since last year! This is messing up my credit!
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I received a gift through cash app from my sister and without my authorization or permission to do so, cash app employees took the money from on a day that an alleged repayment was not authorized until XX/XX/year> which was the initial scheduled day for any repayment to be made if theres was anything owed. When this matter was brought to customer care along with the reminder email regarding repayment, cash employees not only refused to resolve the issue but I was denied due process, full disclosure of truth in lending and documentation showing cash app payables and receivables which would show who loaned out what. I was deprived of such information but yet employees are still funds that have not been authenticated through the original loan agreement nor did I authorize cash app employees to entitle themselves to a gift given to me by my sister.
Product: Credit card

I signed up for a credit line with Paypal because they were offering 6 months of deffered interest. I went through the application process and was approved, and read the terms and conditions. The terms seemed pretty standard. I have had the credit line for 6 months and every time I get an email stating payment is due, I pay it within a week. They never send more than one email, or any other reminders. 

This is important because I just found out, The day a payment is due, they charge an arbitrary {$41.00} late fee. Not the day after. The same day. Nothing was communicated about this late fee when I signed up, or when I missed due dates. It's not even communicated when you pay a bill that is " late ''. No email, text, or notification in the app. In fact, the only place it shows is hidden in the account activity. I have been secretly charged XXXX late fees on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totalling {$120.00}. they were just added to my account balance like any other purchase. The only reason i discovered it is because it felt like my balance was higher than it should be so I went back through all my activity in the last 6 months. 

I contacted customer service to inform them of the mistake, and request a refund, and they could not help. They refunded my most recent late fee and called it a courtesy ( which they only allow once every 12 months ), but how is it a courtesy when all three late fees were the result of secrecy and predatory behavior? Had I learned of late fees after my first missed payment on XX/XX/XXXX I would've simply not waited until the due date to make following payments. If I learned about it when signing up for the credit line I wouldn't have signed up. It's important to reiterate. These late fees are assessed ON the due date, not after. I argued all of this with the customer service rep for as long as i could stand but they absolutely refused to refund the fees. I am completely helpless and have zero recourse but to file a report here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX -XXXX  Account # XXXX -XXXX Account # XXXX XXXX XXXX Account XXXX XXXX -XXXX  Account # XXXX DP of education, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX continuously violate my rights. Experian violated law 15 usc 1681g, by not notifying me of reinsertion in writting within 5 days of reinserting this item on my credit report, They both are in violation of section 611 law 15 usc 1681 ( i ) by not notifying me of my investigation results within 30 days and not provding an adequate investigation, They sent me an old statement from the alleged account and as claim that as the proof that I opended the account, that is not adequate enough proof. Based of this I demand that this account be removed for gross violation of the fcra.
Product: Credit reporting or other personal consumer reports

I keep disputing errors on my reports but experian is refusing to dispute anything. I have asked multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last summer sometime aroundXX/XX/XXXX I began monitoring my credit reort and disputing accounts that were n't mine due to my identity being compromised/stolen and having no knowledge of the accounts on my report. 
I disputed the accounts with XXXX and the disputed accounts were XXXX XXXX XXXX for {$260.00} and {$200.00}. Debt Recovery Solutions for double charges {$500.00}, {$500.00}, {$340.00}, {$340.00}, {$180.00}, {$180.00}. XXXX XXXX XXXX for {$140.00}, {$130.00}, {$15.00}. XXXX XXXX for {$65.00}, {$65.00}. XXXX XXXX {$68.00}, {$68.00}. 
It took me a while to notice due to just having a baby XXXX XXXX and not checking my report for a while but inXX/XX/XXXX I noticed these accounts were reinserted onto my credit reports without any documentation supporting accuracy for re-inserting the negative credit items or any notifications from the creditors nor the bereau but I have letters published on the dispute website from XXXX that these accounts were deleted.
Product: Credit reporting or other personal consumer reports

PLEASE SEE MY EXHIBITS ATTACHED PROVING FCRA VIOLATIONS ( see the attached ) For the past XXXX  months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account.

I have even seek the CFPB assistance and the inaccurate accounts remains. For the last time please take a look at my attachment and follow along : Item # XXXX XX/XX/XXXXXXXX REFORTING TWICE ITEM XXXX XXXX  # XXXX Reporting twice XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. 

Once again they reported the same account closed several times twice also with different closing dates and date of last payment. 

Such as Account closed on XX/XX/2024, the same account closed again on XX/XX/2024 and reporting as XXXX seperate accounts on credit report : ( see the attached ) Questions : XXXX How can you verify the same account numbers reporting twice on a credit report? 

XXXX. How can you say you call the company and verified reporting inaccurate information? 

XXXX. How can you close the same account twice at the same time on a credit report? This is inaccurate and violation of FCRA laws. 

I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. 

Rather than wasting time on a lawsuit i keep pointing out these errors yet they willfully refuse to remove the inaccurate information from my credit report.

If they fail to remove these two items for my credit file i will move to file a FCRA complaint in Federal court where i will ask for compensatory and punitive damages for {$180000.00} for the damages this inaccurate reporting have caused me for the past 24 months.
Product: Debt collection

I don't know where this debt is from, I never received notice from this company about a debt ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Irecentlyreviewedmycreditprofileandnoticedinaccuraciesandfalseaccusationsandfraudulent accounts
Product: Credit reporting or other personal consumer reports

I spoke with representative XXXX XXXX XXXX today XXXX about case # XXXX and told her the account was fraudulent and that I previously disputed it to be blocked and they did but rescended it because creditor told them that they had evidence proving it was my debt. She refused to dispute the accounts as fraud. Neither the creditor or the CRA has provided me any kind of proof, there is no proof because this account is fraudulent and does not belong to me. I have submitted all the proper documentation to prove its fraud. These companies are violating my rights and need to remove these items from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notification from Equifax and XXXX that a new account " with XXXX XXXX was opened in your name. The Credit Card account was opened on XX/XX/2023. '' Contacted XXXX XXXX and confirmed no such new account opened. Companies websites designed to hide dispute credit report pages behind subscription pages. Direct links accessed at cfpb.gov. Hours spent in attempt to dispute credit report item failed. Company not taking responsibility for erroneous credit report changes.
Product: Checking or savings account

Wells Fargo owes me compensation for my accounts that had excessive overdraft and insufficient funds, this is an account that had been closed with them. I called customer service to alert them that I had a new address but the lady who answered didn't seem to care and didn't take my information. These account also had ID theft in it. Please give compensation from lawsuit for the unethical practices.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my report, I found several unauthorized inquiries that are harming my credit standing and could severely impact my financial reputation. 
I have reported these fraudulent inquiries to the Federal Trade Commission ( FTC ) and enclosed a copy for your reference. Despite this, these inquiries remain on my credit report. This violates my rights under the Fair Credit Reporting Act ( FCRA ), and I demand their immediate removal. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reached out to the BBB for assistance on an Equifax, Inc. complaint. In XX/XX/XXXX, I had tried to access my credit report online through credit monitoring software many times and was unable to do so. Several lenders and credit card companies also tried to pull my Equifax credit file and were not able to do so ; this has been going on for over a year. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I reached out to Equifax to get this resolved but I was told my credit file was too large. After the BBB started an investigation, an Equifax representative stated they were sending me a copy of my credit report. Since then, no credit card company, mortgage lender, and even I ca n't access a copy of my Equifax credit report. Today, XX/XX/XXXX, I contacted Equifax again and was told by a CSR that I have two credit files that need to be merged into one so that my credit report can be pulled/accessed. However, when I asked the CSR about merging the file so it could be pulled/accessed, she stated she could not merge the file. She also told me online credit reports, credit monitoring services, lenders, and credit card companies can not pull my file because it is split. I have made multiple calls to Equifax on this issue to no resolve. I have been denied several mortgages and multiple credit cards since my Equifax file ca n't be pulled.
Product: Credit card

Regional Finance Corporation of Alabama d/b/a Regional Finance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX : XX/XX/2020 Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, While checking my personal credit report with all  XXXX  credit bureaus in  XXXX   XXXX , I noticed several inquiries made by numerous of organizations on  XXXX / XXXX / XXXX . I have reached out to the organizations and no one was willing to help due to the age of the inquires. I have even went as far as mailing certified letters to the credit bureaus requesting for the unauthorized inquires to be removed on  XXXX / XXXX / XXXX .