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

After multiple attempts to dispute inaccurate, and more importantly, unverifiable accounts on my report with Experian. They continue to fail in providing me, proof, verifying the accounts I am disputing. I am once again, specifically asking for documentation, verifying the accounts listed below. It is completely clear that they are unverifiable because they continue to fail when it comes to providing me with proof of how they verified the account. Instead, I get correspondence just telling me that the accounts were updated. Im not asking for that Im asking for proof, something bearing my signature or something that discloses the verification process they took to verify each of the accounts listed below. 

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'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$5000.00} XXXX XXXXXXXX XXXX Balance Owed : {$11000.00}
Product: Debt collection

I have contacted XXXX XXXX XXXX multiple times thru certified mail in seeking a validation not verification of a debt supposedly owned by me on XX/XX/20, XX/XX/20, and XX/XX/20. I have received no validation that the debt they are trying to collect on belongs to me. They are still continually illegally reporting on my credit report since they have failed for 7 months to validate this date. I will be taking them to small claims court if their illegal reporting continues and for defamation as they are continually trying to ruin my credit. Attached are all the letters i have sent to this company and received no validation or response in return. I have the certified letter receipts that I will be bringing with me if i sue this company if we can not get this fixed by this complaint.
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/2019, our car was burglarized and multiple credit cards stolen ( in XXXX, CA ). Those cards were then used fraudulently ( between XXXX XXXX - XXXX  ). 

The most significant fraudulent charges came through a Square Reader - all using a different credit card by a company called " XXXX XXXX XXXX '' - for even amounts of {$500.00}, {$1000.00}, and another {$1000.00} through three separate transactions on different cards. 

Our credit card companies are making us whole ; however, it is apparent that using different credit cards by one Square Reader is a pattern that won't be detected by one credit card company.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXXXXXX XXXX  ( original creditor : XXXXXXXX XXXX  ) Account Number : XXXX Specific Issue : I noticed a discrepancy in the " Date Opened '' for this collection account across the credit reporting agencies. 
I
Product: Vehicle loan or lease

Hello, in XX/XX/XXXX I began working at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I was hired by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

When I began working there I had a XXXX XXXX XXXX ( loan with XXXX XXXX XXXX XXXX ) and a XXXX XXXX XXXX ( loan with XXXX XXXX XXXX XXXX ). On XX/XX/XXXX, the dealership soul my XXXX XXXX XXXX on a consignment. 

On XX/XX/XXXX I traded in the XXXX for a XXXX XXXX XXXX. 

Both of my loans with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were not paid by the dealership causing a charge off on both the accounts. 

The XXXX XXXX I currently have a loan with Lentegrity is double financed with XXXX XXXX under XXXX XXXX XXXX XXXX 's wife XXXX XXXX at XXXXXX/XX/XXXX. 

I have been making monthly installments on the XXXX to Lentegrity but they are not making any progress on getting the title from XXXX XX/XX/XXXX. I originally notified Lentegrity about this title issue on XX/XX/XXXX. 

Today is XX/XX/XXXX, Lentegrity does not have a title and has repeatedly threatened to repo/charge off. Knowing the position I'm in leaves me no options to finance another car to get to and from work. 

Attached is a copy of my declaration with the law-firm Lentegrity hired.
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX XXXX XXXX acct beginning in # XXXX I disputed that account with Transunion, XXXX, and XXXX to no avail. The account was reported on my credit report without contacting me in writing about the debt. Which is debt parking and is illegal. 

XXXX XXXX XXXX XXXX XXXX acct beginning in XXXX was reported on my credit report without contacting me in writing about any bill that I owe or if they intend to report it. I disputed it with XXXX, XXXX, and Transunion with no avail. It is considered Debt Parking and is illegal. 
XXXX XXXX XXXX XXXX XXXX account beginning in XXXX was reported on my report without contacting me in writing prior to reporting it on my credit report. I have disputed this account with XXXX, XXXX, and Transunion with no Avail. This is considered Debt Parking and is Illegal. 
XXXX XXXX XXXX XXXX XXXX account beginning in XXXX was reported on my credit report without contacting me prior to reporting to my credit report. I have disputed it to XXXX, XXXX, and Transunion to no avail. 
XXXX XXXX XXXX XXXX XXXX account beginning in XXXX was reported on my report without contacting me in writing prior to reporting it on my report. I have disputed it with XXXX, XXXX, and Transunion to no avail. It is considered Debt Parking and is illegal.
Product: Credit reporting or other personal consumer reports

There is an inaccurate property record in the property deed records section of my LexisNexis consumer report. It shows a property belonging to me after the date I had sold it. On XX/XX/year> I filed a dispute with LexisNexis describing the issue. On XX/XX/year> I submitted records from the county in which the property is located ( XXXX XXXX, CO ) supporting my dispute. On XX/XX/year> LexisNexis wrote a response letter to my dispute claiming the data in my report was accurate. As proof of this they wrote that they conducted research with " OHIO DEPARTMENT OF PUBLIC SAFETY XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX '', which not only is an organization that has nothing to do with my property records, but is not in the same county, or even the same state as the property in the dispute. 

There was an insurance claim someone made for this property that occurred after I had sold it, which is also on my LexisNexis report. I am not sure if this is fraudulent or just incorrect information. I originally opened a dispute for this on XX/XX/year>. LexisNexis closed the dispute. I reopened the dispute and sent documents proving that I had no insurable interest in the property at the time of the insurance claim on XX/XX/year>. LexisNexis wrote a letter on XX/XX/year> claiming the data in my consumer report was accurate, citing their research with XXXX XXXX XXXX XXXX, TX, presumably the company that paid the insurance claim- which is a company I don't have an account with, and have never received any money from.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX 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 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), all credit reporting agencies are required by federal law to verify the physical verification of the original signed  consumer contract for any and all accounts posted on my credit report. I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) via mail on XX/XX/XXXX. No Verifiable Proof was provided. XXXX sent a letter saying they can not change the account, and it is now XX/XX/XXXX. Their failure to positively verify these accounts has hurt my credit tremendously.
Product: Checking or savings account

Chime bank has delayed my federal tax return and I haven't had Any funds to live on.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 2 accounts reporting on my credit with Equifax that show a balance. I have provided letters to equifax showing the accounts were paid and ARE to be DELETED from thier reporting. Per Equifax Supervisor XXXX employee ID # XXXX, she stated even though they have received the letters they will NOT CORRECT THE REPORTING. I have contacted the Creditor 's Directly and they have told me that the Reporting was already completed and Equifax was told to Delete the Accounts. XXXX and XXXX  Deleted the accounts on the Same day XX/XX/26, Equifax REFUSES to DELETE or even show its paid off!!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I applied for a credit card with Bank of America. They pulled my XXXX credit file the same day ( XX/XX/2024 ). 

The Bank of America application number is # XXXX Bank of America mailed a document request for Identity & Income verfication. I have attached this letter. I mailed the documents & forms back to BOA immediately, same day I received the letter. 

After many weeks of calling about the status of my application they finally sent a denial letter, XX/XX/2024 XXXX months later ( document attached ). I understand sometimes applications result in denial, that is fine. 

The problem is that Bank of America processed a SECOND Hard Inquiry on my XXXX credit file without my authorization on XX/XX/2024. I only applied for the XXXX credit card XXXX time on XX/XX/2024. I never submitted a second application. They took over 2 months to process my application even though I had sent the documents the same day I received a Document request letter from BOA. I never agreed to them hard pulling my credit well over a month after my application was submitted. 

Bank of America XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX just sold my personal information, they had from a deleted account. They sold my information to XXXX XXXX XXXX. This is the beginning of more harassment and intimidation via constant phone calls from XXXX XXXX XXXX who wants me to tell them my name and info or they will continue intimidation tactics like unlawfully reporting old deleted accounts. XXXX XXXX has not provided me with a 1099C has requested, nor have them shown a contract between the name XXXX XXXX XXXX XXXX XXXX They are essentially selling my name, address, and social security number, and keeping my personal information as a asset for life, continuously selling old accounts to debt buyers, without providing anyone with a 1099c showing the debt was discharged almost 2 yrs prior. I am seeking damages for violations of the Fair Credit Reporting Act, Fair Debt Practices Act, and The Fair Credit Billing Act.
Product: Mortgage

Contacted XXXX LoanCare by phone on XX/XX/XXXX and requested written payoff of mortgage that was required for sale. Close date should have been XX/XX/XXXX. The breach they experienced was never communicated to me until XX/XX/XXXX, saying their systems were back online. A payoff has still not been provided, despite 3 additional requests sent by myself and the closing title company ( XXXX XXXX ). Im now being forced to close on the sale without any knowledge when Ill get the money from the sale ( over $ XXXX is due to me ). Attempts to call the company say our agents are unable to help you at this time. Press 1 to return to the main menu or hang up. The attached communication is the only information Loancare has sent regarding any of this- received XX/XX/XXXX at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has opened up a card at XXXX XXXX on XX/XX/2021. When I noticed the card on my credit report on XX/XX/2021 I reported it as fraud on both TransUnion and XXXX. I even opened up a fraud alert on identitytheft.org. When I filed the claim on identitytheft.org XXXX took it off immediately. I have filed approx 6 different disputes through TransUnion they keep stating that XXXXXX/XX/XXXX verified information and said it was me. When it wasnt. I have been trying to get in contact with XXXX XX/XX/XXXX since XXXX but the numbers I called would not transfer me to anyone unless I had the card number. I do not have the card number as to I NEVER opened up the account with them. I have finally was able to contact XXXX IXX/XX/XXXX on XX/XX/2021. I spoke with a XXXX from XXXX XX/XX/XXXXwho couldnt help me and transferred me to XXXX. XXXX advised he had opened up a fraud alert for me and that I should get an affidavit sent to me in the mail within 7-10 days. I called XXXXXX/XX/XXXXback on XX/XX/2021 I spoke to XXXX. I told XXXX what was going on an how I have not received the affidavit, he stated that the account was closed and alerted as Fraud and it was an error on their end and stated AGAIN I should be getting the affidavit in the mail. I STILL have NOT received the affidavit. I called XXXXXX/XX/XXXX again today on XX/XX/2021 spoke to XXXX she could not help me and told me to call back within 1-2 minutes. I call XXXXXX/XX/XXXXAGAIN still XX/XX/2021 spoke to XXXX she stated there never was an alert on the account as fraud and she opened up another fraud alert and stated that there will be an affidavit sent to me in the mail within 7-30 days. I call TransUnion to see if there is something they can do on XX/XX/2021 he advised that there was nothing they can do at this point because XXXX XXXX is still stating that I was the one to open the account when I didnt open the account. He said there was nothing he can do and he will open another dispute but it will most likely get closed again since I had already opened up 5.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Fraudulent Account Date : XX/XX/XXXX Comenity Bank/Express XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, On XX/XX/XXXX, There was an account opened in my name that is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau. 

To resolve the problem, I would like to demand that this fraudulent account to be removed from my credit report as it does not belong to me and is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent account. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sloan/Nelnet Education Financial services is reporting late payments from XXXX XXXX XXXX and XX/XX/year> on my XXXX, XXXX and XXXX credit reports, in which is adversely affecting my credit score and homebuying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax on numerous ocassions regarding hard inquiries that were unauthorized. Both times, I was told i had to file a police report in order to get inquiries removed. Spoke to Officer XXXXXXXX XXXX XXXX XXXX can not file a police report for inquiries unless a fraudulent account was opened. 

It is unfair to the consumer to be given fraudulent information by a credit reporting agency. It seems deceptive and puts the consumer at a disadvantage. Credit reporting agencies should not make it so hard to dispute inquiries. 

I have also asked for proof to validate the inquiry and Equifax refuses to provide. I'm sure this is happening to hundreds if not thousands of Americans but because nothing is done, they stop reporting this grievance. This information has damaged my credit report and ability to received other credit products.
Product: Checking or savings account

An account limitation has been placed on my Paypal Account as of XX/XX/20 requesting that I provide an government Id and proof of fulfillment of a sale. That information was provided on the same day. On XX/XX/20 my Id verification was approved. I did not get any response on the fulfillment review. I reached out to Paypal via chat because they have closed there call centers and was told that the item had to be delivered before the limitation could be removed. My item was delivered and again I went back to chat and was told my account would reviewed in 24-72 hours this time elapsed and still no review was done on my account. I engaged chat again and was now told 10 days. I asked for a supervisor to contact me and was told by rep XXXX that her supervisor XXXX would call by end of day. Today is the XXXX day I have not received any phone calls and I am now receiving generic messages from chat that my account is being reviewed. I have no access to my funds which is being held by a company that it closed in a pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company ( XXXX XXXX ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1300.00} with Equifax credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
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Please see the letter provided by XXXX XXXX in XXXX 2017 for the removal of this account.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding fraudulent items on my credit report. Despite my persistent efforts, I have been unsuccessful in having these fraudulent entries removed. 

I have diligently followed the proper dispute procedures on multiple occasions, providing all necessary documentation to substantiate my claims. Unfortunately, these fraudulent items persist on my credit report, adversely affecting my creditworthiness and causing significant distress. 

I understand the importance of maintaining accurate and reliable credit information, and I am relying on your expertise to address this matter urgently. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies. 

I kindly request that you conduct a thorough and expedited investigation into the fraudulent items on my credit report and take immediate action to remove them. I have attached supporting documentation to facilitate your investigation. 

I expect a written response within 15 days, as stipulated by the FCRA, detailing the results of your investigation and the actions taken to correct the inaccuracies. Additionally, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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: Debt collection

When I returned a missed call to agency the representative refused to give name or information. Would not connect me with supervisor. Hung up on me when I again asked for the When I returned a missed call to agency the representative refused to give name or information. Would not connect me with supervisor. Hung up on me when I again asked for the supervisor. Bullying me, rude and loud tone. Called supervisor XXXX XXXX and left a message about the matter. Supervisor XXXX returned my call 2 hours later. She briefly went over account and asked how I was going to take care of the account. I told her that medicaid was contacted so I could dispute the unpaid bills. She told me they would n't do anything about them! I told her I could n't make any payments at this time, she asked me " Well do you still work for XXXX XXXX? " I said yes and then asked who my husband worked for, I told her that it was none of her business and she said, " Refused '' as if it was to offend me. Not at all professional. I feel overwhelmed with my phone calls with the Representative and with the Representative Coordinator /Supervisior. I have sent out a cease of communication letter and a disputing debt letter as well to the debt collector agency. Bullying me, rude and loud tone. Called supervisor XXXX XXXX and left a message about the matter. Supervisor XXXX returned my call 2 hours later. She briefly went over account and asked how I was going to take care of the account. I told her that medicaid was contacted so I could dispute the unpaid bills. She told me they would n't do anything about them! I told her I could n't make any payments at this time, she asked me " Well do you still work at XXXX? " I said yes and then asked who my husband worked for, I told her that it was none of her business and she said, " Refused '' as if it was to offend me. Not at all professional. I feel overwhelmed with my phone calls with the Representative and with the Representative Coordinator /Supervisior. I have sent out a cease of communication letter and a disputing debt letter as well to the debt collector agency.