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

So, over the last 6-12 months, I have been active in disputing XXXX XXXX Account # XXXX XXXX  Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. 

XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for transUnion it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX  says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 

Also, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed. 

XXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover, the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.
Product: Credit reporting or other personal consumer reports

Transunion was told XXXX  months ago to investigate XXXX for fraud Please provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
XXXX finalized the investigation and deleted the file while Transunion never investigated the issue
Product: Debt collection

Start back in XXXX of 2019. I written Four letters to send out to sprint to verify the debt. The 30th day from the last letter that was sent another letters gets sent out. XXXX sent letters stating the debt was intact mines but never sent proof far as the original documentation. This debt was in the amount of XXXX dollars.this debt remains in my credit report and XXXX still has not removed it.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : 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 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, credit repair services, or other personal consumer reports

I have asked for validation of these inquiries and audit trail for them and they have failed to do so. 

please remove these errenous credit inquiries from my credit report immediately!
Product: Debt collection

I signed up for XXXX XXXX XXXX and upon receiving XXXX contacted the company to let them know their XXXX did not fit and was told they would cancel payments and they continued to charge me.
Product: Credit card or prepaid card

I changed my name in XX/XX/2020 because I got married ( the fraud is happening with my maiden name ). The XXXX XXXX successfully changed my name but they lost my original documents and I never received them back in the mail. After this I started getting notices in the mail from credit cards saying I applied. Of course I did not. So then I got XXXX and froze my credit scores back in XXXX due to the repeated credit card fraud. I also filed a police report. Since I did all this, the credit card applications haven't been approved ( as far as I know ). Except this Visa card from a company called Current was approved and they issued me a card that can be activated with their app. I called their customer service and left a message, they never called me back and they NEVER answer their phone. I emailed them and they said they won't help me because I don't have the email used to sign up. I told them that I don't have the email used to set up the account because it was set up fraudulently and that I need them to close this account ASAP. I asked to speak to a manager. They said no. It is worrying me very much that they won't close this account even though I told them it was fraud. I really think they are okay with fraud based on this experience it seems they don't care at all. I have the emails for proof of how they dismissed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working for my company for the past 9 years and none of it shows on my credit cards report. How do I fix this?
Product: Student loan

There was class action lawsuit that was filed against the university I attended thereafter in court declaring the dismissal of student loans if those qualified students that attended within the timeframe in which I was eligible. In my efforts contacting student loan servicer about this matter I was unable to get an answer nor was I able have the student loan dismissed from my credit report so I am in hopes of contacting you to find resolution regarding this matter and have student loans debt removed from my credit report. 
I am coping and pasting the case information for more clarification and details for your review. The U.S. Department of Education recently announced that it will approve federal student loan forgiveness for XXXX borrowers who were deceived by XXXX job placement claims and submitted a valid borrower defense application. The Department of Education is continuing to process new and existing applications and expects to approve additional claims. All borrowers with approved claims will receive full loan forgiveness.
Product: Debt collection

I had a ER visit on XX/XX/2020, at the time i had insurance on Nevada XXXX XXXX, I was later billed for services that normally and should have been fully covered. Per XXXX  ( XXXX XXXX XXXX nevada ) I submitted the correct documentation and Medical ID cards at time of visit. Per XXXX XXXX XXXX submitted the wrong insurance for claim proccessing to XXXX. So since XXXX submitted the wrong insurance XXXX did not pay for the claim. XXXX also informed me they have proof that i submitted the right insuranc card because all of the other claims were subkitted correctky and paid out. XXXX XXXX made a mistake and they are trying to make me cover and pay for their mistake. I have made numrous attempts for them to fix them and they just tell me they will submitt this dispute to someone higher up and no one ever follows up with me. The debt collecgtor on behalf of XXXX XXXX continues to update the credit breuars with increase in amounbt that i owe and Im assuming they are adding intrest to the debt that they claim I owe, I do not owe this debt please resolve it on your end and remove it from my credit report.it is destroying my life and preventing me from purchasing my dream home.
Product: Money transfer, virtual currency, or money service

XXXX payment for a service was taking from from me {$1500.00} {$370.00} {$600.00} was send from a trust user and then was taken from me because my account got hacked and all they did was close it and restrict my CITIbank account access XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have been dealing with identity theft for YEARS. The following information is not mine and should be removed off of my credit file immediately. I am also including my photo Identification, police report and fraud report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still 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 investigations, 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.

1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is a FCRA violation?

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number.

Agencies fail to follow guidelines for handling disputes.

3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.

Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNITED STATES CONGRESS states EXPERIAN is an elaborate mechanism who ASSUMED its role to furnish a report on my behalf under 15 USC 1681. ( The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and " unfair '' credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EXPERIAN is supposed to have my written consent to to obtain my private information to make a report. THEY DO NOT HAVE MY WRITTEN CONSENT. The UNITED STATES CONGRESS states under 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The UNITED STATES CONGRESS has DEMANDED EXCLUSION OF ACCOUNTS relating to transactions or experiences between the consumer and the person making the report. Why re you EXPERIAN violating the UNITED STATES CONGRESS as well as the FCRA and destroying my confidence in the banking system?? I did request verification on any account I DEMANDED you exercise your grave duties with RESPECT to the consumer and CONGRESS LAW, instead you conducted a FRAUD re-investigation took over 45 days and have NOT provided names, address and phone numbers of those you are required to personally interview as REQUIRED BY CONGRESS under " investigative report ''. EXPERIAN is in DISHONOR and is not PERFORMING their GRAVE DUTIES accordingly.to the UNITED STATES CONGRESS which they are liable for under 15 USC 1681n and 15 USC 1681o
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$570.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$340.00}, XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XX/XX/XXXX Bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Diversified Adjustment Services is attempting to extort money that is not owed by me. I received a collections notice from them in XXXX and sent a letter back demanding debt validation. They failed to provide any validation and reported the collection account to all three credit reporting agencies. I need help getting these false accounts removed from my reports.
Product: Checking or savings account

On XX/XX/XXXX I filled out paperwork with investment banker @ Key bank to open an annuity in the amount of {$5000.00}. I 'm attaching paperwork to substantiate. I have been receiving what I believed were annuity statements for years. In XX/XX/XXXX I decided to open another annuity @ Keybank. When I mentioned to investment banker that I already had one she told me I did not. She told me that for all these years I had a money market. I was in shock! I could not believe what she was telling me. She informed me first of all that you need a minimum of {$10000.00} to open an annuity. I was not told that. My issue is this. If {$5000.00} wasnt enough to open an annuity why was I not told up front. How can a banker open up a money market account in my name without my authorization.I have contacted headquarters in Ohio and requested paperwork to substantiate that I authorized anyone to open money market. They told me they had no paperwork showing that I ever authorized a money market account. I had money to open an annuity in another account if banker had just told me I would need {$5000.00} more to open account. Instead he took it upon his self to open an money market account without contacting me. Sounds a bit like what going on with XXXX XXXX. Needless to say I 'm very frustrated with Key Bank. I intend on closing my accounts at Key. I now have trust issues with banks.
Product: Mortgage

My husband lost 2 jobs this year one from XXXX  his XXXX XXXX at his employment, found a new job and was diagnosed with XXXX  XXXX XXXX and then fired from that job, before we were 60 days behind on our mortgage we called Caliber home loans about our situation the informed us there was nothing that could be done until we were 90 days past due at which time then filled the foreclosure, we have filled out many loss mitigations and have been denied everytime. We never received another phone conference after our second was canceled due to calibers attorneys rescheduling. We also havent received a judgment on the foreclosure date from the courts only from Calibers attorneys and a card from XXXX county sheriff sales. We are about to be homeless with our children. We were working with XXXX XXXX from hud XXXX she never returned any of our emails and she was the one handling our case, supposedly working with the judge and the attorneys from Caliber. Assuming she has gotten our information from the courts and not allowing us the chance to fight for our home. Due to these neglected actions my family is now being effected and going to be homeless. We cant afford an attorney and nobody seems to wan na help, legal aid refuses to help even know they cant find a judgement on the sale date in our case look up they claim that the case has already made a judgement even though it was ever properly given to us.
Product: Credit card or prepaid card

Problem with Credit Card Charge. Vendor use was XXXX XXXX XXXX, who then dispatch XXXX XXXX XXXX  ( XXXX ), who in term charge my credit card {$85.00}. I dispute the Charge because the initiate was to XXXX XXXX XXXX, that who I pay a monthly fee to protect my home. Shortly afterward, it was XXXX XXXX XXXX XXXX has a class-action lawsuit pending for fraudulent repairs- no repairs are NEVER DONE- Instead the repair is denied, and the Vendor charge credit card. ALL part the class action Attorney General lawsuit. See Attach. My Bluebird card end was close as I INCORRECTLY ACCUSED OF FILING A FRAUD DISPUTE. When actually Firms that facilitate fraudespecially against the elderlyneed to pay a price. XXXX firm may operate in the background, but theyre very much in FTC sights. I m filing a complaint as it is reason to believe that the named ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Phone : ( XXXX ) XXXX XXXX are violating the law and it should be noted to the Commission that these proceeding ARE NOT in the public interest, as they process KNOWN fraudulent charges given Attorney General fraudulent lawsuit, as part of a larger fraud scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report shows that I have two late payments, when I have none. I called Experian to ask them to correct the information and the agent told me that it wasn't possible. So, I asked her to identify the late payments and she was unable to. She told me that potential creditors would not care about the late payment listing.
Product: Credit reporting or other personal consumer reports

TransUnion reports that I am 30-60 days late on the XXXX XXXX XXXX XXXX XXXX . I have submitted documents on the last complaint. They keep changing it back that I am late. The documents show that I was never late. And they won't talk to me on the phone about it, or they just hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter via XXXX on XX/XX/XXXX and on XX/XX/XXXX Certified requesting the following accounts be verified and I be provided with method of verification. I have NOT received method of verification and received correspondence that information was verified and valid. I have attached copies of all 3 bureaus showing different information therefore information could not have been verified as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX