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

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : IR/NAF Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXXXXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had 1 late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/24 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within 3 business days. Thank you so much for your time.Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX : {$5900.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$5400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am contacting you because I am so emotionally distraught about the compromising of my social security number, Email Login, and passwords. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed complaints # XXXX & # XXXX and both is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. If I consented to these inquiries, then please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). My information was obtained without permissible purpose because I never gave your company written consent to accept information from any creditor, but you still accepted my information and reported it to the public. 15 usc1681a ( 3 ) defines Identity Theft as a fraud committed using the information of another person.Your company is now criminally and civilly liable of identity theft and i plan to file litigation in this matter.

15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me withing 24 hours of receiving this dispute letter. Your company does not have the jurisdiction to put whatever you want to reportt on my credit report, if so please send me a document specifically stating your jurisdiction over me and what I CHOOSE TO HAVE REPORTING TO MY CREDIT REPORT. I am a single father who is struggling during the pandemic and the last thing I need is the credit Bureaus to be reporting false misleading information on my report. there are accounts listed on my account that don't even have contact information for me to send the company a direct Dispute. that is not fair and actually that is illegal.The following items below do not belong to me and is a result of fraud that I did not authorize
Product: Credit reporting

I have disputed this several times and was never sent any validation for this account. This debt does not belong to me. I have requested documentation verifying that this debt belongs to me and I have not received it. I would appreciate this company provide the information that they used to verify me as the owner of this account or delete this negative account from all three credit bureaus as soon as possible. They have 5 different negative accounts on one Report and 3 different negative on the other report.
Product: Credit reporting or other personal consumer reports

.On XX/XX/year> it's been 60 days and they haven't responded, this affects according to the law section XXXX they must remove evrything that is not verified from my credit and i am a victim of equifax data breach. on XXXX XX/XX/year> i sent a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. I want these accounts to be removed. from my report as per FCRA section XXXX I surely was a victim of the XXXX date breach
Product: Credit reporting

I sent a list of disputes, mailed out on XXXX XXXX, 2015, and have not received a response
Product: Student loan

Back In 2016 i enrolled myself in XXXX XXXX XXXX, I was enrolled for 18 months out of that 18 months i only completed 6 months when the school closed unexpectedly on XXXX XXXX, 2016 in XXXX XXXX. During the enrollment process i was granted a private loan From ASFG for XXXX and this lender is still wanting to me to pay for a school that no longer exists and the owner was granted a Chapter XXXX Bankruptcy
Product: Money transfer, virtual currency, or money service

I enter a Job in an application which promoted themselves as an XXXX XXXX  called XXXX  XXXX, I had to sent money first as a compromise of doing the job. The money had to be sent in XXXX XXXX, and I would get paid in usdt. They have people already working for them, I heard about the job through a friend. They did conferences and everything to explained the job which made it seem legitimate. I did not receive my money back. Everything ended up being a scammed, some Ponzi schemed. A big one, many in different countries lost money, I lost {$4100.00} dollars that I did in two different rransactions for the scamming company as a requirement for the job earning. I contacted my bank institution Banco Popular de Puerto Rico once there were news it was all a scam. I sent all documents about the company and the transaction. The resolution they sent was that the XXXX XXXX XXXXXXXX do not do refund and everything was done according to the policy they have so the bank will not refund the money. However other banks, XXXX  XXXX  did refunded their clients when they explained the same situation as I did. Those banks were first tech and XXXX XXXX XXXX. This information was provided by other victims of the fraud that also put their money in that XXXX application. After all it was a fraud and it was for an ilegal business. Me and many hope we can get a refund of some of the money at least.
Product: Credit reporting or other personal consumer reports

I tried to unfreeze my credit report at XXXX, XXXX, and Experian. In all 3 it was extremely hard because they " hide '' the feature for customers who haven't upgraded to the paid service. I ended up paying for XXXX from XXXX and then spend an hour on tech support chat to delete that subscription. Both XXXX and Experian require persistence to unfreeze credit report. Freezing and unfreezing should be readily available on home page of FREE service. All 3 bureaus purposefully make it difficult in order to up-sale you.
Product: Checking or savings account

i opened a complaint with XXXX. you all provided information from XXXX as an answer to my dispute. i opened a complaint against XXXX relating to my dispute for paying for services that was initiated off of my debit card and i have provided proof of what was purchased and it not being received. i have opened dispute with capital one before for purchases i did not receive and this is no different. attached to this complaint is the response from XXXX this dispute is determined by the funding source and that is my bank capital one. the information you all provided back was the funds being sent and that is not the issue. the issue is i paid for services and did not receive them. there is no reason that you all have not done a chargeback because i provided all documentation surrounding this transaction. i am still missing {$1100.00} from capital one!
Product: Credit card

Sam 's Club MC/SYNCB charges late fees plus interest for payments submitted on or prior to due date. I have had {$97.00}. in late fees and {$16.00} interest added to my balance ( which is paid in full except for the {$110.00} ). Have written with no response.
Product: Credit card or prepaid card

Capital One Credit Card Company Told me that I was pre approved for a credit card to help build my credit up more and that my odds for approval on a credit card was great So I applied for the credit card and didnt get approved for the credit score they told me I was pre approved for and my credit score was very decent enough to get the credit card so now I have these hard inquiries on my credit report for listening to capital One I dont know what to do because its stressful when ur trying to build ur credit up
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX issued a check for {$6800.00} XXXX # XXXX XXXX XXXX XXXX same name as mine in XXXX XXXX the check bounced, Bank of America debited my checking account for {$6800.00} I called the bank at XXXX XXXX XXXX XXXX I was told by a bank rep thats theres nothing they can do to help me out that its a system debit that I have to deal directly with XXXX XXXX XXXX and XXXX XXXX in XXXX XXXX the case number is XXXX. Please help me out XXXX XXXX XXXX XXXX retiree on a fix income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I don't recall having a HAND WRITTEN agreement with any of the following companies that have been reporting falsely on my credit. I don't know who any of these companies are, therefore I demand the following accounts be verified or deleted immediately. 
: XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

XXXX XXXX XXXX tried to double bill us for a bill of {$19.00}. We made numerous phone calls each time giving them the transaction ID number. They pretend to see that the bill is already paid, but still send bills after these calls. 

We sent a hard copy of the payment transaction from our XXXX showing that they received the payment. Now they have sent us to collections for that bill plus interest.
Product: Credit card or prepaid card

On XXXX, XXXX, 2021, without my authorization, XXXX, an employee from Best Buy requested a new credit card under my name. That night, I received a notification from XXXX letting me know that a new credit card had been requested and that a HARD INQUIRY was posted on my credit report. I had no idea why he did that, when I was at the front desk of the store, I requested a copy of my receipt from a previous purchase, ( There was no reason why he would request a new credit card because I have had a credit card from BestBuy/Citibank for over 10 years. 
The next morning, I did several things, one I called the XXXX number to confirm the notification from XXXX and they said yes, there is a HARD INQUIRY for a credit card from BESTBUY/CITI BANK XXXX and they recommended to freeze my account to prevent more problems. Then I went to BestBuy and I requested to speak with the General Manager, XXXX XXXX. I told him that I was very upset because I did not request I new credit card and it put a HARD INQUIRY on my credit report. He said that employees don't get any bonuses or rewards for getting people to sign up for new credit cards. And he offered to pay for the removal of the HARD INQUIRY and to keep an eye on XXXX and to watch the recordings to see why he is doing this. Ever since, I have been calling BESTBUY and CITI BANK to resolve this problem, but they don't fallow through. I also went to the XXXX Police Department to file a complaint. I also reported this to the FTC. Unfortunately, XXXX is not doing anything either. I sent to XXXX all the document they requested but they just don't follow through either. I call the BestBuy Credit Services every time I get a letter from them to let them know that they have the wrong address and that my name needs to include my middle initial, because XXXX claims that they don't receive anything from BestBuy under my name. Today, my Neighboor just dropped off another letter from BestBuy Credit Services with the wrong address and my name without my middle initial. XXXX will not do anything if the request to remove the hard inquiry does not match exactly how my personal information is in their system. Please help me!!!
Product: Credit card

i was in the XXXX XXXX XXXX XXXXXXXX XXXX i was given many tests and several medications i am not doing well i can not handle the stress from this bill
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXX Balance Owed : {$19000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, Experian, XXXX  and XXXX  as well as the CFO 's of each were cc 'd and provided via Certified mail, a request to the original creditor, XXXX XXXX XXXX XXXX, to provide validation to the allege debt being reported to the credit bureaus see complaint XXXX. Nothing has been provided. However, even though Experian, XXXX, and XXXX  are fully aware that no documentation has been provided to support the validation of account, they have failed to remove the debt. In fact, on XX/XX/2021, Experian concluded the debt to be verified by grantor for the third time but has no documentation to support their conclusion and they have concluded prior to receiving any response from XXXX XXXX XXXX XXXX regarding the allege account. ( see attached ) I have also been refused full disclosure of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

trying to remove these accounts  XXXX , from  XXXX , equifax, and  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 


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
Product: Credit reporting or other personal consumer reports

I am filing this formal dispute to demand immediate corrective action regarding several issues with my credit report and the mishandling of my accounts. I have been a victim of poor identification practices and fraud, and I expect the CFPB to take urgent measures to address these ongoing violations. 

Fraudulent XXXX  Account : A fraudulent account was opened in my name with XXXX in XXXX under the account number XXXX XXXX XXXX XXXX. I did not authorize this account, and I have repeatedly reported it as fraudulent. This account continues to negatively impact my credit, and no sufficient action has been taken to remove it. 

Valid Account Closure Due to Identification Errors : In XXXX, I opened a legitimate account under the number XXXX XXXX XXXX XXXX, which was wrongfully closed due to identification errors. This needs to be immediately corrected. I demand that proper attention be given to the account numbers to resolve this issue without further mistakes. It is unacceptable that my valid account was closed while fraudulent ones remain unresolved. 

XXXX XXXX Account with Incorrect Address : There is a XXXX XXXX account appearing on my report linked to an address at XXXX XXXX XXXX, XXXX XXXX, XXXX, SC, a place I have never lived. The only correct address where I have resided is XXXX XXXX XXXX, XXXX, SC, and I have been at my current residence since XX/XX/XXXX. I paid the {$67.00} balance on this XXXX XXXX account without fully examining my report, but this was not an account I opened. This fraudulent account must be removed from my credit report immediately. 

Hard Inquiries : All hard inquiries on my credit report must be removed, as I have since frozen my credit reports due to these fraudulent activities. These unauthorized inquiries have further damaged my credit, and their continued presence violates my rights. 

XXXX has repeatedly failed to comply with my requests and continues to allow false information to remain on my credit report. This blatant disregard for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ) is intolerable. I demand immediate corrective action and removal of all fraudulent accounts, incorrect addresses, and unauthorized inquiries. 

I expect this matter to be resolved immediately. Failure to address these issues will result in further escalation, including legal action if necessary. 

Please confirm receipt of this dispute and provide written confirmation of the steps taken to resolve these matters as soon as possible.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : DOB : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Product: Debt collection

InvestiNet sent me a letter stating I owe {$24000.00} to them and they would take a payment of : Option1. {$14000.00}, Option2. {$7900.00} in to lumpsum payments, or Option3. {$1500.00} in a payment of 12 months. This is fraud and I do not owe the InvestiNet or XXXX XXXX XXXX any money. This company is acting on a fraudulent debt.
Product: Mortgage

Original Complaint XXXX submitted XX/XX/XXXX. 
Case closed XX/XX/XXXX. 
Company ( PHH ) did not fully respond to my complaint. 
I received partial refund of trial payments on XX/XX/XXXX as described in the response to my complaint from PHH. 
on XX/XX/XXXX I corresponded via email with council of PHH. ( email attached ) on XX/XX/XXXX PHH 's council requested and I supplied additional documents to support my complaint. ( email attached ) on XX/XX/XXXX I requested an update from council of PHH, and no response.

The following 3 issues were not responded to or resolved : 1- Refund of 7 misapplied trail payments XXXX deposited by PHH on XX/XX/XXXX XXXX and XXXX deposited by PHH on XX/XX/XXXX XXXX and XXXX deposited by PHH on XX/XX/XXXX XXXX and XXXX deposited by PHH on XX/XX/XXXX XXXX Endorsement of Insurance check in the amount of XXXX payable to Ocwen and XXXX XXXX . 
3- Financial relocation aid - {$10000.00}