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

I would like to state that Equifax, XXXX XXXX XXXX are in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a comsumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax written consent to report anything on my consumer report. No consent is identity theft. I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow these companies to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If the credit reporting agencies want to continue to do business with me, they should delete these inaccuracies off my consumer report. XXXX XXXX XXXX XXXXXXXX XXXXXXXX balance {$390.00} XXXX XXXX  - no balance XXXX XXXX XXXX XXXX {$350.00} & {$1400.00} XXXX XXXXXXXX XXXX hard inquiries including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections from XXXXXXXX XXXX XXXX - i also requested for ALL addresses, phone numbers and employment to be removed and my request was denied, the supervisor stated that these accounts were mine and they would not be removed which is in full violation of my consumer rights and I plan on getting remedy
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was reported several times, Account was charged too much.
Product: Credit reporting or other personal consumer reports

as of XX/XX/XXXX I have found two additional inquiries on my report that I did not authorize or make XXXX XX/XX/XXXX - transunion XXXX  XX/XX/XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I WAS THE VICTIM OF IDENTITY THEFT. I HAVE FILED A POLICE REPORT AND SENT EACH CREDITOR ON MY CREDIT REPORT A REQUEST FOR PROOF OF OWNERSHIP. I DIDN'T OPEN THESE ACCOUNTS THIS IS PREDATORY. 

BELOW ARE THE ACCOUNTS THAT ARE FRAUD KICKOFF LENDING LLC ACCT # XXXX AMOUNT {$XXXX} XXXX XXXX XXXX XXXX ACCT : XXXX AMOUNT {$XXXX} XXXX XXXX BANK ACCOUNT : XXXX AMOUNT {$XXXX} XXXX BANK ACCOUNT : XXXX AMOUNT {$XXXX} XXXX XXXX ACCOUNT XXXX AMOUNT {$XXXX} I HAVE ATTACHED A COPY OF MY POLICE REPORT
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 : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$520.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these inaccurate accounts that are reporting to my credit report for validation and all companies involved Collection Resources, XXXX, XXXX, and XXXX  have all verified them reporting as " Accurate ''. I received a letter from Collection Resources on XX/XX/2021 showing the itemized information they are claiming as accurate and have an incorrect SS # listed under my personal information that is NOT mine! This false information can be someone else! See attached copy letter from Collection Resources and my credit report showing how they are reporting false/inaccurate information to XXXX, XXXX, and XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

A bank has tried to access my Equifax score but it shows them theres an error on the system. They called me stating that there was a lock on my Equifax report. I called Equifax and the first representative told me there was no problem with my credit report. I was told to verify everything regarding, name, address, and other personal info with my bank. After contacting my bank all info they have is correct. 

I called Equifax a second, third, and forth time. This time the representatives said they had no record of me ever having an Equifax report. They asked me if I have ever gotten a loan, credit report from them and even if I had a credit card. All which I responded yes. They still weren't able to find me in there system. They say that they have no record of me ever having credit with them. 

I have in the past 6 months gotten my credit checked without a problem. I also have access to my XXXX XXXX account which shows my suggested Equifax score. explained all this to the representatives which barely spoke XXXX. Apparently they did not know how to further investigate this issue.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase does not have the ability to close one 's account on their website ( or it is hidden ). It is not a menu option at their phone number. It is all but impossible to contact a person at the phone number.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

In XXXX I had a Tax bill and the IRS put a lien on my account in XXXX. In XXXX I worked with the IRS to withdrawl the Lien from my report and records which they did. XXXX and XXXX removed the Judgement right away but now after 2 or 3 disputes with Equifax they refuse to remove it regardless if I show the paperwork from IRS and Recorders office.
Product: Credit reporting or other personal consumer reports

this complaint is about the following accounts bellow which i have previously disputed and you have refused to do anything about. 

I am in disagreement with your innaction toward the accounts listed below, which still appears on my credit report even after i asked you to investigate them. I would like these items immediately reinvestigated.The inaccuracies is a highly injuring my credit score. 

Account name XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account info Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX In accordance with the fair credit reporting act, public law 91-506 title VI section 611 provide the names and business addresses of each individual with whom you verified these items with. please send and upload and updated copy of my credit report with your findings, after your investigation.
Product: Credit reporting

Experian 's freecreditreport.com requires you to sign up for a {$21.00} per month membership to see my FICO credit score. I can sign up for the service online, but must call to cancel it. When I call, I am left on hold for long periods of time before being disconnected. This has happened XXXX times. I have yet to reach a customer service representative to cancel my " membership. ''
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX  {$750.00} XXXX {$410.00} Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The latest information is that XXXX XXXX, Resolution Specialist Regulatory Complaints Bank of America XXXX Extension XXXX was assigned my case via email. This is probably the 10th PERSON that has been assigned my case. I have saved all the emails for the individuals assigned my case. I call the number, leave a message, and never received a call back. I also follow up with emails stating to call my phone ( XXXX ) XXXX and never get a call. 

Bank of America has a system in place where people will just give up due to the above issues. I have been trying to get this resolved since XXXX and only expect reports on the credit cards listed in my name!!! NO MONEY EXPECTED from Bank of America, I just need them to do their job on the accounts in my name. Since the fraudulent charges are significant in my case, I will NEVER give up. I need help because the person I was married to for XXXX  years has stolen over {$10.00} XXXX dollars and a large portion is through credit card fraud ( XXXX, XXXX, XXXX  etc with funds going into an account associated with XXXX XXXX ). I thought Bank of America would help me because of my long standing great relationship with them for 20+ years and all bills paid on time. I have more cards and will issue complaints on them as well. I will issue those as soon as I get the XXXX XXXX convictions underway for mail and wire fraud. 

Thanks
Product: Debt collection

Rent Recovery Solutions has been showing duplicate collection items on my credit report and will not remove the duplication. I have filed disputes with all credit bureaus and Rent Recovery continues to state the debts are valid. I have never received any statement from this company as to the debt owed and can only say that I did live in XXXX XXXX XXXX at one time and rented XXXX unit. There is absolutely no way that there should be XXXX identical items on my credit report and there should at least be some communication in writing showing what the debt is. This appears to be a very shady company, but I want the duplicate item in my credit reports cleared immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are five accounts on my credit report that are not mine I have gone thru this with XXXX and Equifax but they are still reporting these fraudulent accounts and I have opened an ftc I have called and been disputing this since XXXX of XXXX I need these accounts off my report because they don't belong to me. 

XXXX XXXX XXXX - XXXX XXXX- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX Inquiries XXXX XXXX XXXX
Product: Debt collection

I have mailed Experian a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent Experian a letter stating pursuant to 15 USC 1681b that I have given no such consent for Experian to host the alleged debt on my Credit report.
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.

I have spoken with all three agencies, XXXX, Transunion, and XXXX and asked for an investigation and reported that these accounts contain -fraudulent activity : Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : US DEPT OF EDXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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, credit repair services, or other personal consumer reports

I originally got XXXX XXXX in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my experian report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX
Product: Checking or savings account

Chime suspended my account due to me trying to send a payment out of my account to an account in my name that was closed. The payment balanced back into my chime account. Chime will not reopen my account until I provide them with documentation of why the money didn't go through to my XXXX XXXX account. Ive called XXXX XXXX to get this information and they do not have it. Chime will not do anything with my account until I provide this information. I still have a balance on this account that I want to withdraw and chime will not let me take it out. This account was first suspended on XX/XX/XXXX. Chime will not work with me or give me my money back. It has been over 60 days.
Product: Checking or savings account

During disbursement of Covid stimulus checks, the money was transferred to an account at Wells Fargo. My wife and I had previously closed our Wells Fargo account due to the way they conducted business. We contacted Wells Fargo and were told that any money sent to an inactive account would have been sent back to its originator. We have been unable to verify this and did not receive anything. Plus, we were then taxed by the IRS for these funds that we never received.
Product: Credit card or prepaid card

Discover stated they issue a XXXX form in XXXX tax year. Never received document. Also, I want a letter stating the XXXX was issue. I can't be sue for the debt on the time barring account and also its uncollectible. Lastly I notice their a soft inquires every month. Why is this? 


I called the number provided. 


Discover stated before : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Re : Discover card account ending in XXXX Consumer Financial Protection Bureau Case No. : XXXX, XXXX Dear XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ) . To ensure your concerns are efficiently addressed, your inquiry has been referred to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. We appreciate you bringing your concerns to our attention. We are unable to confirm the events as you have described them in your correspondence to the CFPB. According to our records, your account charged off with a balance of {$5200.00} on XX/XX/XXXX due to non-payment. We do not have any record of you contacting us since the account charged off to request settlement options. Our attempts to collect the unpaid balance were unsuccessful. We are required by the Internal Revenue Service to issue a XXXX tax document on any balance greater than {$600.00} that we have determined to be uncollectible ; therefore, a tax document was issued to you for the XXXX tax year. We can not provide you with tax advice. If you have any questions, Discover encourages you to consult a tax adviser of your choosing. While we are no longer actively collecting on the debt, if you wish to discuss options to settle your account, please contact our Customer Assistance and Recovery department at ( XXXX ) XXXX. Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX a.m. to XXXX p.m., XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau
Product: Checking or savings account

XX/XX/XXXX, Centralized Executive Office of Escalated Complaints received and acknowledged my concerns regarding the deceitful and fraudulent implicit business practices the Branch Manager of local XXXX, Texas XXXX XXXX XXXX XXXX branch, attempted to use cross-selling scandal techniques after Wells Fargo is actively paying fines for this practice. XXXX XXXX along with resolution specialist apologized for the occurance but indicated the branch would not offer monetary compensation for punitive damages for loss of earning capacity.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : CAPITAL XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to get my credit cleared up with Capital one. I have late payments on my credit from XX/XX/XXXX and prior. When I spoke to a representative about my account at the time of my job loss they had told me that if I was able to get my account in good standing for a year that they would remove the late payments as a goodwill. I have tried for the last 3 years to have them removed and they still will not remove them. I have 3 credit cards with them all have been onetime for the last 5 years. I don't know what more I can do to prove my good faith to them. is there anything that can be done? I feel that they lied about what was needed from me to get the issue resolved.
Product: Mortgage

Envoy Mortgage has blocked all emails from XXXX XXXX and at least one current client. Former loan officers and managers have tried reaching out to human resources, compliance and government issues only to find out our emails are not going through. We are trying to get an FHA case # reassigned and they are refusing our requests, the borrower also reached out to Envoy via email with no response.