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

XXXX XXXX and I went to XXXX XXXX to purchase a vehicle, they tried to sell us a car we didn't want so we went to another dealership and we did purchase a vehicle the same day. However XXXX XXXX continued to run our credit with inquiries not knowing that we had purchased a vehicle the same day.they ran our credit even though we were not there.even the days following they ran our credit. Without ( permissable purpose. )
Product: Debt collection

Received a call from the Revenue Recovery Corporation regarding a past due medical bill in which was in a different name than mine. I asked the company to investigate where the bill came from and how they got my information. After 30 days, I still received calls and no answer as to who this bill was actually for. They gave me XXXX different names on the account ... All the representatives I spoke with were not helpful in any way and XXXX was by far the rudest one there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax previously permanently delete the attached accounts in XX/XX/2022. Now Equifax has added those accounts back to my consumer report. This is willful and damaging and is affecting my mode of living. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and Equifax doesnt care if I survive or not. Every-time I call Equifax they are providing bad service.

I have attached supporting documents of the accounts being removed and add it back to my consumer report.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX  XXXX : Collection/Charge off XXXX To Whom It May Concern, Going over my credit report ( s ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance.Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ). If you provide such written notification I will agree not to pursue immediate regulatory action and drop any further legal actions. 
require a response, on point, in writing ( a statement under penalty of perjury included ), hand signed, and in a timely manner. If I get a pointless letter from you saying that account has already been " verified '', or your firm can not or chooses not to respond to this VALIDATION demand and its conditions, then there will be no more opportunity for negotiation, I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious and inaccurate activities.
Product: Debt collection

The debt occurred and they claim to have tried to collect while we were in bankruptcy. 
This organization never provided formal, required communications to me after the bankruptcy was discharged. They then claim they sent something, however that is not true ; further I have changed addressed and did not furnish them with a new one because they never formally or appropriately communicated. I never had the ability to know of the debt and whether they were legally entitled to collect on it, nor dispute it. They magically then put it on my credit as a collection item 4 years later.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

On XX/XX/2017 I called XXXX XXXX to pay a transfer balance of {$520.00} pay to XXXX XXXX  credit card number XXXX apparently XXXX XXXX stated that the amount has been paid and the transaction has been completed, but later I got a called from XXXX XXXX saying that i was late on my payment, so I contacted immediately to XXXX XXXX and asking what happened with the transaction, after I spoke with several managers I have been told that the money was paid to XXXX XXXX XXXX instead XXXX XXXX, I also found out that XXXX XXXX is owned by XXXX and not by XXXX XXXX XXXX . Mistake was done by XXXX XXXX, XXXX XXXX reported to the credit bureau and it looks horrible in my credit score that iam in collection for not paying the money, I could not refinance my house due to a bad credit and it was denied by refinancing bank. Please see attached files evidence that XXXX XXXX did not pay on my request to XXXX ' XXXX instead cause tremendous stress a damaged my credit and I have to pay late fees to XXXX 's NOTE : I have paid my balance with late fees to XXXX  which is XXXX dollars, my desputing is with XXXX XXXX wrong claim of {$730.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked XXXX to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX XXXX XXXX - TransUnion. I am complaining again because I was not satisfied with any of the responses. 

In the case here of Transunion, though they corrected the report I continue to be aggrieved because when you review this case why did they do this in the first place?
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a alert over the Holidays that I had new inquiries and account on my report. I have been in the middle of building my credit and letting it age so I knew I have no appd for or Got any new accounts. I have disputed these and I have shown proof of my complaints and ftc report and still nothing been done I have know my rights and know that this is agasint my rights to report false information and these inquiries and account need to be deleted now XXXX and XXXX and XXXX XXXX and XXXX inquiries and a XXXX account was added and these are not authorized by me and need deleted now before i go to the attorney general to file another complaint
Product: Mortgage

I had worked with Wells Fargo on a loan Modification, and they put me on a pre-foreclosure where I had to pay exorbitant fees to finish the process.
Product: Credit reporting or other personal consumer reports

I didn't initiate started a fraud alert on my credit report. Please remove these fraud alerts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
B XXXX  XXXX XXXX  XXXX  ACC # XXXX******XXXX  XX/XX/XXXX XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I paid a debt owed to XXXX in late 2015 for a phone that I used with a former employer. Convergent Outsourcing is claiming that I owe a debt to them for said tmobile debt. Which I do not. Convergent is already damaging my credit due to me refusing to pay for a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting of invalid information, fraudulent reporting of information or reporting of information I believe is due to identity theft.I have no knowledge of how the misinformation stemming from the above came about to be.I have not authorized misuse of my personal, financial, or any information.I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required metro 2 426-character P6 statement, 5 part personal identifiers and all alpha numeric and/or alphanumeric source codes and delete/block permanently the reporting of any. XXXX is reporting me late on my Student loan ( ACCT # XXXX ) stating they have checked with the Department of Education ( without proof ) and they have confirmed that I was supposed to be late on XX/XX/2018. This is inaccurate information being reported on my credit report because when I could not pay my student loan bill, I have always asked for time to pay and I was always granted that time by DEPT OF EDUCATION/XXXX. As for XXXX, They have not provided me with how they ran their investigation. They just sent me documentation stating it was verified and so was equifax. HOW? So i went on and file a complaint with the FTC for some of the items I was not familiar with for I believe someone might have obtained my personal Information and has been destroying my credit as if I did not already have issues with these credit bureaus being passive with my financial livelihood. My next step, is to file a complaint with the Attorney General 's office if they do not remove these ERRONEOUS information off my credit report. EQUIFAX has 2 inquiries they are stating to have been investigating with this as unsatisfactory result, and I'll quote : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY FOR ACCT # XXXX XXXX, AND XXXX XXXX XXXX XXXX. I have not authorized anyone to go search for a mortgage on my behalf for I am educated and understand that my credit score isn't where it needs to be in order for me to purchase a home. AGAIN, I have never authorized any loan officer or lender to pull my credit at least to my knowledge. I am not shopping for house at this very moment or earlier either.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting many accounts. I have asked them to freeze my account and correct the information. 

They are reporting XXXX Child Support Enforcement information incorrectly. 

I want all of the information pertain to this case removed from my credit report. First it was never late. It was paid off as agreed. They are not report the correct information and I do not give them permission to report any information pertain to XXXX Child Support Enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit reporting agencies and let them know the inquires and charge off accounts in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them. 
18 U.S. Code 1028A - Aggravated identity theft
Product: Credit reporting or other personal consumer reports

as a Federally protected consumer I am making a complaint regarding late payments and transaction history on my credit report. Upgrade XXXX XXXX XXXX XXXX were servicer for a loan and XXXX credit cards that was acquired. Throughout this relationship XXXXpgrade IXXXX XXXX XXXX XXXX did not provide any disclosures in regards to allowing me to opt In or opt out of credit reporting as this is my right. So Upgrade & XXXX has been reporting to my consumer report without proper authorization or consent. I have formally noticed Upgrade and XXXX that I have revoked any and all consent to report and the errors need to be fixed. 

additionally Upgrade XXXX XXXX XXXX XXXX is reporting transaction history and experiences which is to be EXCLUDED from ones consumer report. I have noticed and reached out to diamond multiple times to remedy this matter and even asked for proof of late payments as diamond has not been able to provide proof. 

Because of this negligence and non compliance it has been extremely injurious to me and my family, it has caused a great deal of mental XXXX  and XXXX because upgrade inc is willfully acting out of their scope of authority and it has been very harmful to me and my ability to use my credit and be approved for credit. this is interfering with XXXX  and I will seek remedy in court if this continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I obtained a copy of my credit report. from all three reporting agencies. 
I found multiple incorrect Accounts that did not belong to me and incorrect personal information. 
Including this Account : Portfolio Recovery Associates {$140.00} Opened XX/XX/XXXX On XX/XX/XXXX I Directly Disputed this account via certified mail. These disputes were sent to the Furnisher of the data and each CRA. 
On XX/XX/XXXX. XXXX addressed other issues but did not Validate the above account. 
XXXX failed to provide me with any of the information I requested. 

On XX/XX/XXXX I sent a Second Direct Dispute to the Furnisher. Informing them that the account had not been validated and again requesting information On XX/XX/XXXX I finally received a response from the furnisher including a computer generated form with no proof of ownership, account balance, or any information validating ownership of the account. 

On XX/XX/XXXX I reported the account as fraud to the Federal Trade Commission and mailed a fraud report to XXXX I also Faxed the complaint and spoke with XXXX on the phone. 

On XX/XX/XXXX XXXX acknowledged receipt of my complaint and without my authorization provided a personal fraud statement on my behalf, claiming it was mine, and opted me out of promotional offers, and provided my work cell phone number for all without my consent. they then sent letters to the other Credit Reporting Agancies instructing them to do likwise. 

On XX/XX/XXXX XXXX validated the account as accurate, again without providing me ANY Validated, or Verifiable information. 

On XX/XX/XXXX I sent one Final letter demanding compliance with the FCRA it has been nearly 6 Months and Neither XXXX  of Portfolio Recovary has made any attempt to provide validating information, and after receiving evidence that the account is fraud they continue to report it as mine. This has caused me financial damage and my next step will be a suit for violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX charged off a credit account of mine XX/XX/2019. It is not being properly reported by Equifax as charged off per the mortgage lender. I called XXXX and they confirmed it was charged off in XX/XX/2019, however that is not what they are reporting on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to request you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate items. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX XXXX XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. 

These accounts are fraud. 
XXXX XXXX  {$120000.00} XX/XX/2023 XXXX XXXX {$110000.00} XX/XX/2023 XXXX XXXX {$49000.00} XX/XX/2023 XXXX XXXX {$52000.00} XX/XX/2023 XXXX XXXX XXXX {$22000.00} XX/XX/2023 These inquiries are fraud. 

XXXX XX/XX/2023 XXXXXXXX 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

I XXXX XXXX, am submitting this complaint without any influence from a third party or agency. This notice is to inform you that you unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected consumer rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15USC 1681b permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offense amount to Aggravated Identify Theft pursuant to Title 18 USC 1028a. You have knowingly transferred, possessed or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years imprisonment, in addition to civil liability. You are also in violation of 15 USC 1692g. My written instructions are for you to delete this account immediately
Product: Checking or savings account

On XX/XX/2020, I sent a bill payment via SOFI Money 's bill  payment service through the app on my XXXX in the amount of {$66.00}. I have used the service repeatedly to send checks to my water billing company ( XXXX ). I received an invoice from XXXX on XX/XX/XXXX showing that the payment for {$66.00} had not been applied to my account. I attempted to review the details of the transaction in my account, but I was unable to view a canceled check or otherwise verify that the check sent on my behalf was deposited. I reached out to SOFI on the same date - via the email that was associated with the transaction : XXXX. After numerous emails back and forth with support on XX/XX/XXXX, I was unable to get any information about whether the check had been cashed, even though the money had been deducted from my account on XX/XX/XXXX. I followed up on XX/XX/XXXX and XX/XX/XXXX and still was unable to receive a response about whether the check was cashed. Since there is no phone number available for customer service, I chatted with support on XX/XX/XXXX. I again inquired as to whether the check for {$66.00} was cashed. The support person told me he could not find out and the issue would have to be " researched. '' I explained that I had already been told it was being researched as of 6 days prior, and I still hadn't received a response. I asked to escalate the issue and file a complaint, and was told that a complaint had already been filed even though I did not file a complaint previously. I then asked to speak to a supervisor and requested a call back, but I have yet to receive any call back. So SOFI has taken the money from my account and held it for 2 months but after a week is unable to provide me with any information showing whether the check has been cashed, meanwhile I am being charged late fees for the payment being late because I am unable to produce any record showing that it was received by XXXX. SOFI offers this banking service but is unable to provide the basic details associated with the transactions.