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

I have almost 95 % of all information showing on all the reporting agencies and fico is incorrect or even someone else. From ss # to account I've never had to thief of identity. I was very well off up to 2010 approximately you can see I had an average score of XXXX then identity theft and lack of capability to correct these errors had completely changed and destroyed everything I ever works for and my patriotic trust in our great nation. I was forced to stop working, due to XXXX overcoming my abilities to work I am fully XXXX for life. Now understanding me personally, my XXXX makes it unachievable to pay attention to details XXXX drive, focus, remember or fix issues such as this. I struggle remembering my own name from day to day, my license was taking for life, I went from earning {$22000.00} per month to receiving full benefits at {$2100.00} per month not a la to work XXXX drive, socialize, or continue life normally. Fix my identity theft please. I paid my home off 3 times over {$500000.00} per time in Montana here, owning a XXXX XXXX XXXX XXXX XXXX XXXX and running a very successful marketing company from XXXX employees to over XXXX employees at time of sell by owner. Then as I am no longer employable and identity theft of all life services and financial has overcome my every means I now have a XXXX XXXX under XXXX, I can't reverse things due to stress and my XXXX XXXX, XXXX doesn't help in these areas in the united states, and I need your help, attention and commitment to restore my credit, life, and last few years of dignity. Thanks XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The credit reporting company refuses to report my credit report to companies since last year. The are not allowing my credit information to be accessed from the systems. 

I filed a request to fix this and send in all there acquired information. I've call and been told several times by several different people, there working on it now for XXXX weeks. 
I have been told that they're going to fix the information i 24-72 multiple times. and still have not happening. 

Now i can't access reports for work or to obtain. anything from my bank to pay rent. this has been almost XXXX months now. 

I believe it's a retribution for me filing pass complaints with these offices. None of the other reporting companies are having this issue.
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.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above accounts have violated my rights according to 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 an 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Debt collection

They keep calling my Mom and Grandparents. Even though they do not owe any debt, were not co-signers etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I alerted each of the bureaus that I am a victim of identity theft and that 15 US Code 1681 c 2 says that they have to remove and block the items within 4 business days. The items remain on my report. 2 XXXX XXXX XXXXXXXX XXXX and 2 XXXX accounts are listed on my identity theft report. XXXX XXXX and XXXX have charged off both of the fraud accounts and sold them to collection companies. Despite doing this, they remain on my report. They are violating 15 USC 1681 e b by not reporting accurate information. Each of the accounts listed on my identity theft report are also violating 15 USC section 604 a section 2. Nobody can furnish an account on my credit file without my written permission : I have not given anyone written permission. XXXX XXXX and XXXX are committing tax fraud by reporting these accounts. According to the IRS, these accounts are considered income.
Product: Credit card

On XXXX XXXX, XXXX, I purchase XXXX XXXX XXXX XXXX concert ticket on line from a company using the name of XXXX XXXX Tickets. Cost of tickets were charged to my PayPal account in the amount of {$320.00} by a company using the name of XXXX. No where on the XXXX XXXX Tickets web site did they state they they were third party providers. When I downloaded the e-tickets on XXXX XXXX, XXXX, what I received were tickets in the name of XXXX XXXX, an individual I never heard of and do not know. I immediately emailed Box Office Tickets advising them I was cancelling my order as I, under no circumstances, would deal with " Third Party Suppliers '' and would not accept tickets that were not issued in my name. I also notified PayPal immediately that I had cancelled the order. I received a reply from " XXXX '' apologizing for any " Inconvenience '' and stated I would be contact by phone within 48 hours. The response from " XXXX XXXX XXXX '' that they would not refund my money, but as a courtesy would give me a XXXX XXXX ( {$30.00} ) adjustment. This of course was totally unacceptable. 
I filed my claim with Paypal.com on XXXX XXXX, XXXX and received a response back from them stating that my dispute was escalated to a claim. I was further advised that they would contacted " XXXX XXXX XXXX '' and I should allow them until XXXX XXXX, XXXX to respond. On XXXX XXXX, XXXX, I received an email from PayPal stating my purchase was " not covered under PayPal Purchase Protection '' and referred the matter to PayPal Credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received an email from PayPal Credit requesting that I submit Proof of Cancellation and records of my attempt to resolve the issue with XXXX. All pertinent documentation was sent to PayPal Credit on XXXX XXXX, XXXX. I received a response from PayPal Customer Support on XXXX XXXX, XXXX stating that my issue did not affect the usability of the tickets and denied my appeal. On XXXX XXXX, XXXX, after being notified that my account was " Past Due '' I called PayPal Credit advising them that I had previously paid off my outstanding balance with PayPal, less the {$320.00} for the unused tickets and closed my account. From that point on I have received repeated phone calls from their Collection Department demanding payment and threathing legal action. 
I am a senior citizen living on a fixed income with an excellent credit rating. I do not and can not throw away money on fraudulent practices by a unscrupulous business.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX account number 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score : XXXX XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and fraudulent information that appears on my Experian credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o. Additionally, I would like to reference the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes. My dispute demands immediate investigation and deletion of all erroneous information outlined below. 
Also known as XXXX XXXX Addresses XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX, XXXX INQUIRY XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX have never authorized or opened the accounts listed above, nor did I approve the inquiries. Under 15 U.S.C. 1681o, I have the right to seek damages for negligent noncompliance with the FCRA. I demand that Experian conduct a thorough investigation, remove these fraudulent accounts and inquiries from my credit file, and provide me with an updated credit report reflecting these corrections.

Failure to comply with this request will result in further legal action, including filing complaints with the Federal Trade Commission ( FTC ) and the CFPB, and pursuing my rights under the FCRA, including seeking damages as provided under 15 U.S.C. 1681o. 
Please respond to this dispute in writing within 30 days of receipt, as required by law. I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the dates XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I sent disputes to Equifax to investigate the incorrect reporting of a XXXX XXXX XXXX account ( XXXX ) on my credit. I am a victim of identity theft. Someone opened an account with XXXX XXXX using my information in XXXX XXXX and left an unpaid debt of {$11000.00} on the account. This debt was eventually charged off and placed back on my report as a bad account. In XXXX, I contacted and filed an FTC Identity Theft Affidavit to open an investigation and get this matter resolved and removed from my credit report. I have recently re-filed a police report to get Equifax to understand the situation I 'm in and finally remove this bad account from my credit. I have contacted Equifax on multiple occasions with the attached police report but they are refusing to remove this account from my credit. This account was reporting on all three of my credit reports but once XXXX and XXXX initiated an investigation, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. I am including an attachment with XXXX XXXX exact response showing the results of their investigation. I am also including a page of a recent report showing how this account is only on Equifax. Equifax is automatically disregarding my dispute as frivolous despite having information that states and supports otherwise. The issue is that the account is not even supposed to be reporting on my credit at all. I do n't understand how this can be possible? How can Equifax 's investigations yield a different response from XXXX and XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transuion removed the account from my credit file for XXXX XXXX - XXXX XXXX. This account was removed without any explanation from XXXX or Transunion. 

I reached out to the credit vendor to let them know that the account had been removed from XXXX and Transunion and they advised that they were aware of this and that the same thing happened to thousands of their customers. 

It is my belief that XXXX  and Transunion are working to keep consumers with low credit scores in that category. The credit vendor works with consumers with low scores to help them improve their credit. XXXX  and Transunion obviously banned the credit vendor for this reason. 

By removing this account is has directly affected my credit score and file as the removed affected my credit utilization rate further impacting my credit score. 

As I mentioned this occurred with thousands of XXXX XXXX XXXX customers and XXXX and Transunion removed the account from all of XXXX XXXX XXXX customers. 

This type of behavior by XXXX  and Transunion must stop!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, being first duly sworn, deposes and says : * Identity : I am the individual whose name appears on the credit report issued by EXPERIAN, XXXX and, XXXX XX/XX/XXXX. 

* Dispute of Late Payments : I dispute the accuracy of the following late payments listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late payments were reported in violation of 15 U.S.C. 1666b and 1637a, as they were not the result of my failure to make timely payments or were reported in error.

* Request for Removal : I request that the credit reporting agency remove these disputed items from my credit report immediately.

I declare under penalty of perjury that the foregoing is true and correct.

Request for Removal : I request that the credit reporting agency remove these disputed items from my credit report immediately.

I declare under penalty of perjury that the foregoing is true and correct. 
Executed on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I attempted to make a monthly car payment on the companies website. I received an error message that the payment could not be processed and to try again. I did, and received a confirmation number. Two days later I reviewed my bank account and discovered TWO payments had been processed for the monthly payment of {$460.00}. I immediately contacted the company ( United Auto Credit ). I was advised that the rep would open a request to have the funds returned, and that it would take 10-15 days. She stated the error may have been caused because the payment was made as the date shifted from the XXXX to the XXXX during the transaction because it was late at night. I waited a week and called again. The rep then tells me I have to submit documentation showing the double payment and then wait and additional 10 to 15 days. She also advised me to speed up the process I could contact my bank and list the payment as unauthorized. I did this the next day and the funds were returned to my account. The next morning, however, my bank contacted me and advised me that the XXXX was again withdrawn o n XXXX and listed a an " untimely return ''. I again contacted UAC and was told that I still had to submit forms for the return and that it would be mailed out in check form once cash management signed of on it, but I had to hurry because they only send checks out on the XXXX and the XXXX of each month. I called again today on XXXX and there is no update, each time I call, I am told the person I need to speak with is unavailable. These funds were crucial to paying my bills and it has caused me great financial hardship trying to replace these funds. I have also included a copy of the email sent to the supervisor I was told was in charge of resolving this matter, I still have yet to receive any response.
Product: Debt collection

In XX/XX/2021 I sent over a certified letter to PORTFOLIO RECOV ASSOC requesting debt validation after I noticed this unfamiliar debt on my report. Tracking information shows the letter was received and signed for. Per FCRA collection agencies have 30 days to respond to the debt request with valid information to prove the account is authorized to be listed on my report. Well PORTFOLIO RECOV ASSOC has disregarded all FCRA rules and regulations. They have failed to provide any legal documents to prove this debt is mines or even notify me of the debt. This unverified inaccurate account needs to be removed from my credit report IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ Ive noticed this card from milestone on my credit report never seen a card from them a day in life my identity has been stolen for almost 16 years now I have freezes on all my credit reports .their reporting an XXXX usage of a card never seen the card never got the card its soo bad that Ive never heard of the card or the stores the cards was used at but I digress. I just want this off my credit report
Product: Credit card or prepaid card

in XX/XX/2019 my XXXX XXXX card was compromised by BLUEBIRD.COM with unotherize MONEY TRANSFERS of the following amounts XX/XX/XXXX {$20.00} & XXXX XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} & XXXX TOTALING {$800.00} in talking to XXXX XXXX offices for more the 12 hours of being on hold and transfer to different departments they told me XXXX will not give back my money. but yet the could not prove who made any of these deductions. 
I live on a XXXX monthly SS check and now I am afraid to let my money go on this card. 
Please help me I need my XXXX back to pay my house bills.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XX/XX/year> Experian Information Solutions , Inc . 
Dispute Apartment RE ; Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 168i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians Failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in the sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : Conduct a thorough reinvestigation of the following disputed accounts or items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide me with all documentation used to verify the accuracy of the disputed information Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate the matter to the CFBP and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated time frame. I expect written confirmation of any changed made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in XXXX  I see the following accounts 1 - bank of america status closed charge-off {$3100.00} In XXXX  1- XXXX XXXXXXXX XXXX XXXX .status closed charge-off {$1400.00} 2XXXX XXXX XXXX status closed charge-off {$3100.00}
Product: Credit card or prepaid card

A damaged couch was delivered and returned to company. Chase will not take the charge off of my account although documentation was provided showing the couch was damaged and returned. Chase is charging me for a product I never received as advertised. In addition Chase gave a deadline of XX/XX/XXXX for documents to be sent. However closed the dispute prior to the XXXX stating it takes 3 days or more after documents are sent in to be reviewed. Chase is non- complaint with their own process. Holding the customer accountable for their delays in reviewing documentation sent. When I complained. Chase gave me a email to send proof ( XXXX and after 5 days ( sent in XX/XX/XXXX ) Chase still has not acknowledged receipt of files. Chase received no proof from the furniture company of their claim but sided with the furniture company for XXXX even though I have NO Product. Chase is allowing a XXXX company to scam me and make me pay for couch I dont even have. I cant sue the company i. the XXXX because they dont have a business here.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Dear credit bureau, I just received my investigation results. Report # XXXX and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number:XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation