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

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Vericredsol for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit card

I had several fraudulent transactions on XX/XX/2017 and XX/XX/2017. I called American Express several times to have these transactions removed, however each time I was given a different excuse. I want these transactions removed immediately
Product: Debt collection

My credit card was gotten by someone on internet, found out card was cancelled and now the company is going after me for charges someone else did. Told them card numbers were stolen even signed affidative to the fact, and they got my email and phone number now are harassing me for payment, This needs to stop,
Product: Credit reporting, credit repair services, or other personal consumer reports

My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, Transunion and XXXX. I have a excellent payment history. I am XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A NOTICE FROM XXXX  XXXX  REGARDING MY CREDIT SCORE DECREASING BECAUSE XXXX XXXX XXXX INCREASE A PAYMENT ON MY EQUIFAX CREDIT REPORT BY {$30.00} AND MADE MY SCORE GO DOWN BY 88 POINTS. AT THE PRESENT TIME I AM DISPUTING XXXX XXXX SERVICES ENTIRE CREDIT HISTORY REPORTING. I WOULD LIKE TO KNOW WHAT AUTHORITY DOES XXXX   XXXX  HAS TO DECREASE MY CREDIT SCORE, BECAUSE THEY ARE NOT A CREDIT BUREAU ANYWAY. XXXX HAS ON MY REPORT AT THIS TIME AS ACCOUNT IS CLOSED. XXXX XXXX XXXX  ALREADY KNOWS THIS ACCOUNT IS IN THE PROCESS OF LEGAL ACTIONS BEING BROUGHT AGAINST THEM.
Product: Checking or savings account

Bank of America had fraudulent accounts opened in my name several years ago without my knowledge. I go into a branch to open an account for myself and I had my social, my drivers license, my birth certificate and the bank manager contacted the fraud department to resolve the issues with the old accounts that had been opened without my knowledge or consent. We faxed police reports and we explained all details. The branch manager explained they had me there is person. Do you know the fraud department at Bank of American still refused to open the accounts.
Product: Credit reporting or other personal consumer reports

Subject : Request for Compliance FCRA 15 U.S.C. 1681i & Inaccurate Information on Credit Report Dear Transunion I am writing to formally request your immediate attention to inaccuracies on my credit report and to ensure compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I previously submitted a dispute regarding certain items on my credit report ; however, upon review, it appears that the dispute process was not handled in full accordance with federal law.

As a consumer reporting agency, you are required under the FCRA to conduct a reasonable reinvestigation of any disputed information and provide a written notice of the results within five business days after completing the investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ). It appears that this process was not properly executed in my case.

Additionally, I have identified the following violations of your legal obligations under the FCRA : Failure to forward disputes to furnishers in a timely manner ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ) Failure to conduct a reasonable reinvestigation and provide all relevant information to furnishers ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to properly investigate disputes regarding hard inquiries ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to implement reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) Based on these concerns, I respectfully request a thorough review and, if applicable, the removal of the following items that do not meet the FCRXXXX accuracy and completeness requirements : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PLEASE DELETE IMMEDIATELY Under the FCRA, if these disputes are not resolved within the legally mandated timeframe, I am entitled to request the removal of these items from my credit report. I urge you to take immediate corrective action in accordance with federal law. If this matter is not resolved promptly, I will be left with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX  ), and the Federal Trade Commission ( FTC ).

I appreciate your immediate attention to this matter and look forward to your prompt response. Please provide written confirmation of your findings and any corrective actions taken.
Product: Student loan

I mailed in onXX/XX/XXXX TWO payments money orders as they will not take a payment online, will not mail a statement, will not take a payment online. I do not get balances or receipts of payments or invoices. I have fought them for 2 years now to get it even listed on the website but yet cant pay on there and it says no payment due and no statements even on there.
I mail in the payments on the two subloans.
{$250.00} to one student loan - call XXXX XXXX can see status of payment loan XXXX XXXX {$250.00} to the other student loan - loan XXXX XXXX XX/XX/XXXX they process the one and today XX/XX/XXXX they claim they NEVER got the other one its a money order the only way I can pay them and its now lost they claim. So I am OUT of {$250.00} plus costs to get it mailed to them, late on payment and paid taxes on that income.
This is not the first time this has happened. I cant pay online I cant pay any other way.
How can they get one and not get the other to the exact same location at the exact same time!!!? I call I get transferred around and around and told pay the full balance now.
Agreement is {$75.00} a month and I am paying {$250.00}. I cant pay this off if I had cash sitting in my hand to save my life! Yet its damaging my credit I cant buy a house with these two scars on my credit yet nothing is late for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, I ask Equifax to INVESTIGATE my consumer report for the inquiries that I did not give written permission for any company to obtain. I have the results for two investigations that were done. One dated XX/XX/2022, with the confirmation # XXXX.The inquiries that I ask them to investigate were removed. XX/XX/XXXX & XX/XX/XXXX, XXXX consumer file # XXXX & # XXXX, I got a copy of my consumer reports with the inquires still being listed. I ask them to reinvestigate. I sent documentation, including an FTC report, and ID through CFPB, along with my rights as a consumer, and some of the laws to were being violated. XXXX, I received a copy of my consumer report with no changes- consumer file # XXXX, and the results from CFPB stating that Equifax did not remove the inquiries I ask them to reinvestigate. 
My rights as a consumer has been violated. I have the right to privacy. I did not give the company ANY written permission to obtain my credit report. As I stated in my last complaint, 15 USC 1681 section 602A, 15 USC 1681 section 604A section 2, 15 USCs-2 ( A ) ( 1 ), 15 USC 1681a ( e ) states that the term " investigative consumer report '' means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews neighbors, friends, or associates of the consumer being reported on or with other with whom he is acquainted or who may have knowledge concerning any such item or information, however such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting or other personal consumer reports

My Information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

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

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

Ameriloan XXXX made me pay XXXX on a XXXX loan an overpayment
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 2. I did not authorize these inquiries please remove this from my credit report XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 3. I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 4. I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 5. I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 6. I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 11. I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a freeze on all of my credit reports. A company XXXX XXXX XXXX pulled my credit report by saying it is was Fraud activity on my account. Per I do have an account with this company and this is not the first time they tried to pulled my report. So in order to excess my report they state FRAUD and when I call the company to see what was the FRAUD they refuse to take my call. I have been hung up on 3 TIMES. I need to inquired deleted. Per I have not done anything but try to keep these companies from pulling my report without my knowledge. 

Thank you XXXX XXXX
Product: Debt collection

I have called Grant & Weber I was attacked by some one, send to the hospital, and I file a police report and I was not responsible for this debt. I have try several times to contact and have this accounts removed from my credit. 

Company fail to provide prove Validation of the account. 
Company fail to provide information and they keep reporting to credit agencies. 

I apply for a mortgage and I was denied. 
Not able to obtain credit. 

I have send letters to credit bureaus to request Validation of the account not a dispute, this is not a dispute. The accounts are not mi accounts. 

know credit reports I am getting as a resolution sad that company was able to provide up date information. 
What up date? I do n't get any up dates? 
No answer with in the 30 days in 3 times 3 times I have requested Validation.
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 trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$16000.00} XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$910.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$710.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The inhabitants who reside here have no contracts with TROTT LAW from MN who sent mail here in a GLOSSED TEXT ( LANGUAGES OTHER THAN ENGLISH ) referring to us as DEAD ENTITIES/LEGAL FICTIONS. They are being sent our FEE SCHEDULES, CEASE AND DESIST LETTER and NOTICE OF LIBILITY. If they do not immediately remove our names out of their database... TORT CLAIMS of {$300000.00} per month will be filed. We are not LEGAL FICTIONS/DEAD ENTITIES/CORPORATIONS and will not act as one unless compensated .... only man and woman inhabit this address. TROTT LAW mail will be sent back with an invoice if they ATTEMPT to collect a DEBT again in anyway, shape, form or presentment. Who is the man or woman claiming one of the LEGAL FICTIONS owes them a verified debt? There MUST be a man or woman or there is no case. DEAD ENTITIES/LEGAL FICTIONS/CORPORATIONS factually can not speak ... ... hmmmmmmmmmmm .... so if there's no man or woman that's going to put thier bond up, swear under Oath and Affirmation to be true that XXXX XXXX XXXX or XXXX XXXX XXXX ( both are DEAD PERSON/LEGAL FICTION ) XXXX them debts note because they lended us their debt notes ... Get The Heck Out Of Our Lives, Pay Our Fees or Pay Our TORTS that will come thier way.
Product: Credit card or prepaid card

I was charged twice for the amount of XXXX which in total amounts to XXXX dollars on XXXX XXXX 2022. Because I am travelling and dont have a U.S. phone number I cant get a response from the bank. The time frame to report a fraud claim is 60 days. I did not make these transactions. What can I do?
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/2023 and notice there were hard inquiries that dont have permissible pourpse to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 
XXXX XXXX I Last reported XX/XX/2023 XXXX XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX ( tel : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX ) XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ) XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the hospital in the XXXX  from XX/XX/XXXX to XXXX XXXX a XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX due to XXXX. I was not alert or oriented except for the last two days of my hospital stay, I was XXXX  and in a XXXX. My husband who has never paid the mortgage never thought about XX/XX/XXXX mortgage because at the time they were not sure if I was going to live or die and he has never paid the mortgage. 

However, on XX/XX/XXXX he called in to make the XXXX payment at the advisement of our children and found out that he needed to make XXXX 's payment as well. He made both payments that day. 

Freedom Mortgage hit both of our credit reports with a 30 day late mortgage. Once I found that out I contacted Freedom Mortgage in XXXX of XXXX and got up to the supervisor of the call center, She pulled the tape recording of my husband calling in on the XXXX, and said since he did not tell her I was in the hospital with XXXX  at that time they can not change our credit report. They did not ask my husband why the payment was late either. My husband didn ; t know he needed to tell the bank I was in a XXXX XXXX XXXX due to XXXX. If he had known that they needed that information he would have given them that information. I was so upset because she said that had he told the call center at the time it wouldn't have gone on our report but because he did not they will not remove it. 

I was vaccinated and boosted and still ended up with XXXX, XXXX XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have XXXX children and 5 dogs that my husband was trying to balance with the real possibility that I was going to die. 

We had a significant reduction in our credit scores because of this reporting. We are trying to refinance our home to use some of the equity because I could not work for several months, and just now I am back to work and working up to full-time. My husband served our country in the XXXX for 30 years and this is how we are treated? If he told them when he called in XX/XX/XXXX they would not have put it on our credit report but since he did not they will not change it. I have a full medical report to go with statement of XXXX and XXXX and XXXX XXXX. I also had XXXX..
Product: Credit reporting or other personal consumer reports

XXXX  XXXX I am writing to formally address the issue regarding the fraudulent activity associated with my account. As previously communicated, I was a victim of identity theft, and I promptly notified your company about the fraudulent transactions. Under Texas law, specifically Section 392.202 of the Texas Finance Code, after seven years, negative information related to such fraud can no longer be reported on my credit history. 

I request that you remove any and all records of this fraudulent activity from my credit file as it has surpassed the statutory period for reporting. Failure to comply with this request will leave me no choice but to seek legal remedies for any ongoing violations.
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. 


I told Equifax to look at these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate.According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I was affected by the 2017 cyber attack on Equifax. See : https : //www.equifaxsecurity2017.com/
Product: Mortgage

every time I apply for home loan in XXXX credit bureau my bankruptcy saw up this is the reason I cant get home loan I want to move to XXXX ca
Product: Bank account or service

XXXX : The following is the over view of my issue with AMEX debit cards. This issue has occurred nearly a dozen times. The issue is AMEX making an error in processing a payment/ return. The amount of time to have wrongly removed monies from the account runs nearly 8 business days which is nearly 2 weeks of a consumer not having access to their own money. Although VP 's contacted me, the error was not corrected. 

I am contacting you concerning the recent scandal involving the XXXX XXXX. Due to a similar issue with AMEX, I will be addressing the issue in the same manner as I and my partners addressed the issue below concerning XXXX. The case is now part of the XXXX case to break up XXXX and fine the corporation {$6.00} XXXX http : XXXX. 

We are taking the XXXX approach to addressing the massive and industry wide scam of stealing from consumers and inconveniencing them in a very harmful way. For example AMEX and most of these cards encourage the working class and poor to have Social Security, XXXX, their paychecks, etc. directly deposited to debit cards. As in the XXXX XXXX situation those funds are made unavailable through errors, and other unethical practices to increase revenue for the card companies. We will be calling on the federal and state governments to take action that bars swipe fees, any wait time for consumers to have access to their monies due to error or profit gouging by card companies. The movement will involve reaching the public and legislators through press releases, press conferences, taking legal action, and boycotting companies that are in the consumer exploitation business. 

If your organization would like to participate please let me know how we can help. 

XXXX XXXX XXXX XXXX : XXXX https : //www.google.com/ # 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

XX/XX/XXXX Payment and XX/XX/XXXX payment were never late. Company through customer service investigated and found that those payment were made on time. They agreed to fix already but have not. 

This relates to my Kohls Card.
Product: Debt collection

XXXX Customer service person was rude and asking for my personal information.