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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Money transfer, virtual currency, or money service

They misinterpreted everything i have said. I knew nothing about they policy on limit of days. They don't care that stuff is system error and wont fix the fees for an account that wouldn't swurltch back to personal. I have communication barriers and comprehension issues. And a 5th grade writing level. They where twisting everything i said. I have had accounts hacked i am an identity theft victim. I had to close accounts after getting them recovered that where hacked. I finally reopen an account and deal with all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Merchant settle for less then amount owed which was XXXX XXXX for XXXX $ and owedXXXX account was then closed. Account was openedXX/XX/XXXX and as of XX/XX/XXXX made this account 7years old .so I asked that it be removed completely because by law thats there policy, they have it on my report till XXXX of XX/XX/XXXX Experian sill want remove it XX/XX/XXXX and XX/XX/XXXX has removed it and it should haven been taken off or deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the XXXXredit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, Transunion and XXXX are reporting 1 inaccurate late payment for the XXXX XXXX XXXX XXXX with the account number xxxx - XXXX. This includes late payment ( s ) 60 days from March 2017. This is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in Transunion, XXXX and XXXX in violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that Transunion, Equifax and Experian have violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. US XXXX # XXXX, US XXXX # XXXX 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The lease in question ended at the end of XX/XX/year>. I was granted an extension to purchase the vehicle. The lease extension was through XX/XX/XXXX. I sent Toyota a bank check for the full purchase amount which was received by Toyota on XX/XX/XXXX ( XXXX XXXX XXXX XXXX ). Toyota is now reporting the lease as delinquent.

I called Toyota on XX/XX/XXXX after I became aware of the status of the lease. Toyota indicated that they are experiencing a delay in processing the end of the lease. Toyota stated it is taking them about 30 days to complete the lease end process. I emphasized to Toyota that the information on my credit report was incorrect. Toyota offered to e-mail a letter stating that the lease has been paid as agreed. Toyota stated the letter would be sent via e-mail within the next 48 hours. No letter has been received. The status of the lease is still being misreported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX XXXX is showing on my credit report. This debt is older than 7 years but XXXX, XXXX   and Experian continues to report it. Dates keep changing. When will it ever come off of my report??? Ive had an issue since day one when the salesman lied and told me that with my trade in I was going to receive a special of 90 days no payments due only to find out that wasnt true which made my first and second payment late. Can you imagine your very first and second payment being past due? I thought I had 90 days! So I was playing catch up from day one. Then they signed me up for every extra service and charge known to man.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is plenty of incorrect information on my credit report such as misspelling of my name and addresses i am not associated to. 
The name associated XXXX XXXX XXXX is incorrect. 
The name associated 'XXXX  ' is incorrect. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Debt collection

THEY XXXX XXXX XXXX  REPEATEDLY CALLED ME BACK TO BACK SEVERAL TIMES DAY AND THEY SEND OUT EMAILS AS WELL. NO MESSAGES ARE LEFT
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i previously contacted XXXX, EQUIFAX, and XXXX about my consumer report having incorrect information as a result I have not received any updates to my consumer report. 

closed account : XXXX XXXX XXXX : which is listed as 42 % paid on time and 7 late payments which is FRAUDULENT i never missed a payment and the debt was paid on time every month i even paid this debt in full 5 years before the loan was due to be fully paid. 

fraudulent inquiries : XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

Under the fcra section 611 i am allowed to request and receive documents that was received in determining that a debt is in fact valid. I contacted XXXX and was denied what was requested. I was told by a rep that they send somethi g to the agency reporting this debt and in return they say yes or no this is or isnt valid. I asked on several occasions to be sent MOV [ method of validation ] and i was denied. Their response is they have no idea if the debt is actually valid because everything is automated and they dont require them to send anything to validate the debts. There are collections and a closed account that i am unaware of. The closed account has my address being an address that is not even listed on my report. I have put a fraud alert on my report. Along with a statement that i have know knowledge of these accounts. I would like for the credit bureau to send me MOV within 15 days of this complaint or be in violation of my rights. Please delete unverified accounts on my report. I have been reinvestigating this matter for months. Without any information that i am requesting. I have been tild to contact the creditor which in fact i can get the info with a contract between me and the creditor or what was used to verify the debt from the bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX
Product: Debt collection

I would like to file a formal complaint against IQ. Data International Inc, for unfair practices in attempt to collect allege debt which was disputed as fraudulent not belonging to me. 

On or around XX/XX/2021, I received a notification from my credit monitoring services IQ Data International placed a major derogatory collection item in the amount of {$570.00}, on my Equifax credit report, which I immediately denied as fraudulent not belonging to me. ( see attachment ) Please note IQ Data International violated the FCRA & FDCPA refused to send written correspondence to consumers home address, denied consumers right to dispute said debt prior to reporting to credit bureaus.

I immediately reached out to IQ Data International requested validation of said debt, not a standard letter with amount which consumer have every legal right for detailed information regarding collection activities. ( see attached letter ) To date IQ Data International is refusing to validate said debt as outlined in my letter dated XX/XX/2021, and refused to remove the derogatory collection item from my credit reports in direct violation of FRCA & FDCPA. 

Therefore, I am requesting your office to investigate this unfair practice and if found in violation enact or enforce laws to protect consumers from this abusive practice.
Product: Debt collection

Agency : ERC is not a bonded agent in the state of Florida. 

Original lender : XXXX XXXX XXXX XXXX Amount : {$130.00} XXXX  acct : XXXX XXXX acct : XXXX Placed for collections XX/XX/2016 I  have attempted multiple calls to this company informing them that this debt does not belong to me. There response is to send me collection letters. Furthermore. I receive daily robo calls from this company, at least 7 per day. I have been at my current address for greater than 5 years and have and at no time in the past have I had an account with att and wireless.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile I noticed quite a few inquiries that are not mine.
Product: Debt collection

They called me probably XXXX weeks ago now. They told me they were calling from Shepard. I had no idea who they were and they explained they were attempting to collect a debt. I asked what is the debt and how much. They said they can not give me that information because they need to verify who I am and they need my social and DOB. I knew this wasnt normal I told them this was t going to happen. They then said ok well its for XXXX XXXX. I have never heard of them so I asked for more information. They still wanted my social and DOB. I told them to remove from there contact list and never contact again. I then blocked the number. They are now harassing me and texting and calling from all different kinds of phone numbers. The first contact was probably about XXXX weeks ago. And the text messages from different number started yesterday Friday XX/XX/year>. This is creepy and makes me uncomfortable
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a credit freeze with Experian. During the process, they provided a PIN to manage the state of the freeze. 

In order to lift the freeze, I provided the PIN. It claimed it was invalid, and that it would ask questions to verify my identity. No questions were ever asked. Instead, it dropped me into a form requesting physical copies of my # SSN card, drivers license, and a bill showing my address. I am uncomfortable with mailing what amounts to a perfect identity theft kit through physical mail. 

This is the only way Experian will allow my freeze to be managed. Their customer service lines only direct me to the website, which sends me to the mailing option. 

Experian therefore has offered me no way to allow me to identify myself to remove the credit freeze within one hour. This is required by the FCRA, and I consider this a violation of my rights under the FCRA.
Product: Debt collection

I originally started disputing with Accounts Recovery Services IIL on XX/XX/2020 requesting validation of a debt they have attempted to collect. I do not believe the debt is owed by me, so I asked them for further documentation on the debt. Their communication has been sparse to non existence. my last contact with them was via phone and my request still have been ignored. they told me to file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to handle this with Equifax on numerous occasions. Please be advised that this is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further action. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this debt is not valid.

Please verify, validate and document that I am LEGALLY obligated to pay this alleged debt. 
A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

On XX/XX/19 I sent a wire from XXXX to Bank of America and it seems that some of the information was incorrect. Bank of America returned the wire but deducted {$45.00} from the original wire. I was not informed of this fee or authorized this charge which I felt is unfair. Since this is not an informed or authorized charge I would like the money returned
Product: Debt collection

On XX/XX/year>, I requested from Nortstar location Services LLC.proof of the Debt by mail with a certified return receipt. My request was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is tied into complaint XXXX that was already filed. 

On XX/XX/XXXX I reported I received a credit card that I did not request. I reported the card to XXXX XXXX as fraud and identity theft. They stated the account was cancelled. 

Today XX/XX/XXXX I received XXXX different letters from XXXX XXXX that they closed XXXX other accounts that were opened in my name. I did call and the fraud department confirmed XXXX other accounts were flagged and closed. 

I have fraud/identity theft alerts with all agencies. I also have this with XXXX XXXX How were they able to open this many accounts and not be flagged? I received no contact from any of the agencies to authorize these account nor did I receive notice that these accounts were opened until I received the fraudulent card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report
Product: Debt collection

send XXXX on XX/XX/XXXX # XXXX received reply on XX/XX/XXXX Company 's Response on XX/XX/XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX has reviewed the information provided by XXXX XXXX, as well as the information associated with XXXX   reference # XXXX. The debt was assigned on XX/XX/XXXX by the original creditor, XXXX XXXX XXXX XXXX XXXX The debt was assigned with a principal balance of {$670.00}. Allowable statutory interest has accrued on the debt, in the amount of {$88.00}. The current balance as of the date of this response is {$760.00}. XXXX sent a debt notice to XXXX XXXX on or about XX/XX/XXXX at her last known address on XXXX XXXX. XXXX did not receive the notice returned as undeliverable. XXXX has attached the document provided by the original creditor to support this debt. If XXXX XXXX would like to discuss this account in detail she may contact XXXX 's manager XXXX directly, during normal business hours. 

send new reply on XX/XX/XXXX # XXXX after there reply : OUR COMPLAINT I send a report with cfpb on XX/XX/XXXX, and received a reply from the company on XX/XX/XXXX. In the reply said the amount owe and a copy of the bill. I don't remember if this is one of the companies I went to, because the dr 's was changing me to diffent places to get my medicine. I didn't see a contract or ect, just the bill. But XXXX claim that they sent a letter to me on or before XX/XX/XXXX to my XXXX address and they never received it back, so claim that I received it. Well I never received anything at no time and nothing after the month 's they claim they mail me one. which I think the company did not send me any letters in which they claim, and never came back to them. so it's my word against their, how can I proved it, that they give me notice to disputed the collection. I have a mail center that records every mail that come in on my account. I got a copy for XX/XX/XXXX to XX/XX/XXXX showing no mail from there company never showed up at my rainbow address. The mail center is Mail link plus in XXXX XXXX, Nv XXXX XXXX XXXX this company only send me a copy of a bill, no contract or ectXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My score has drastically dropped over 85 points Equifax is updating information late on XXXX my scored dropped because of old information and now a new collection has appeared that I dispute 6 months ago
Product: Consumer Loan

My vehicle was financed with Lincoln Financial Services. My payment was 31 days late and they repossessed the the vehicle. I made several attempts to get the vehicle back and the VP stated she did not have time to talk with me and that I would have to wait for her schedule to open up to speak with me. I strongly urged her to address the issue with me on the phone and she hung up on me while stating she did n't have time. When I called back and asked for her supervisor her staff advised me she was the owner of the company and I was not able to speak with anyone else regarding the situation. So at this point, not only am I not able to get my car back, but her staff has also lied and stated she holds a title that is completely false.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX contacted XXXX in regards to the removal of late payments from XXXX through XX/XX/XXXX. 
I requested documentation of forberance history. 
XX/XX/XXXX I received that information in the mail, and it shows during those periods, I was in fact in forberance. 
XX/XX/XXXX I contacted XXXX for removal they denied it stating they would not remove it XX/XX/XXXX I filed an online dispute with the credit bureaus Transunion, XXXX, and XXXX. 
XX/XX/XXXX no update claimed accuracy XX/XX/XXXX I mailed a certified letter to the 3 agencies with documentation that I got from XXXX and other forms. 
XX/XX/XXXX XXXX undated information as accurate from XXXX and didn't remove them XX/XX/XXXX called XXXX to reinvestigate information under FRCA and seeking violation of not removing items This late payments of being 180 past due are affects my life tremendously. I have papers from XXXX then XXXX showing that I was in Forebarnce and therefore the reporting is inaccurate. I assume going against the DOE with their own forms is difficult. I have the proof from the Department but what they are sending the agencies I figure is totally different. I'm not even sure what XXXX, is giving them saying the late payments are accurate I've fought yearly in disputing this and now that I have the papers of proof and it does not change. Makes me belive it's a greater problem