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

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. kindly update these immediately. Thank you. 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The company keeps calling me because my account is past due. I have already started a settlement process with a third-party company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX company called to harass me about this student loan that was already been discharged by the federal Government ( XXXX ) 2 years ago. due to my permanent XXXX they have discharged my XXXX XXXX XXXX completely.. XXXX XXXX XXXX claims their client was College Assist Corporation. I explained to them that the loans were discharged and sent them proof of it, and they still insist that the debt exists. This happens every 2 years and It is all phoney. This is the second time this company has come around with the same debt that does not exist.!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting nonsense accounts that are NOT late and PAID they are reporting as LATE WHEN NOT. I WANT THEM REMOVED ASAP ACCOUNT NUMBERS BELOW XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I obtained a 10 day payoff quote amount from Bridgecrest in the amount of {$16000.00} for a XXXX XXXX XXXX, account number XXXX. I applied for a refinance loan through XXXX XXXX XXXX XXXX for this amount and was approved. I picked the check up on XX/XX/XXXX and called Bridgecrest and was told that the actual payoff amount was {$16000.00} and when asked for the info to pay the car off, I was given a XXXX XXXX XXXX send the check to. I sent the check via certified mail on XX/XX/XXXX with tracking number XXXX XXXX XXXX XXXX XXXX. The company says they didnt receive the payment until XX/XX/XXXX & posted it XX/XX/XXXX leaving a balance of XXXX on the account. When calling to ask why I had a balance when the woman that I spoke with on XX/XX/XXXX said that the payoff amount was actually cheaper than what I sent, I was given attitude and the run around, told that I cant speak with a supervisor and kept being placed on hold and passed around to escalations. So, finally I just requested the check to be sent back and was first told that it couldnt be done, then, after a long hold, was told that its a XXXX party check and theyll send it to them instead, even though the check was made out to me. I was told this after I told them Id rather take the check and purchase a new vehicle from someone else who values me as a customer and let them have their car back. I was also told by XXXX ( ID # XXXX that I cant give the car back. When looking into the matter I found that they arent supposed to send any refunds to a third party and theyre supposed to go off the post mark on the check and envelope. Once I found this, I asked them to pause on the refund until I filed my complaint with you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent Disputes to deleted all unknown and inaccurate accounts on my credit report but today is over 30 Days but there's still no response. I am a victim of XXXX Data Breach. I demand to deleted all the accounts or I will file a litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently logged on to Equifax for my annual free credit bureau report due to the recent security breach. 

First of all, I previously placed a customer statement on my file. I stated that I am an identity theft victim and to contact me directly prior to issuing credit. In addition, I requested that my social security number and driver 's license be required in order to extend credit in my name. This statement is no longer on my credit bureau. I never removed it. 

Second of all, they are still reflecting an unpaid tax lien on my credit bureau report. I have repeatedly provided them with the documentation to show it was paid. Moreover, it is not reporting on my XXXX report and XXXX reflects it is paid. I am providing a copy of my XXXX  report for your records. If these two credit bureau reporting agencies can manage to get it right, Equifax should be able to get it right. Good grief. 

This is probably the 3rd or 4th time I 've needed to report Equifax in the last several years for these types of problems. It is getting old. Please intervene and require them to update my report to show it is paid and to place my consumer statement back on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered on my credit report accounts that I did not recognize, so I contacted Southern Management Systems and requested evidence that the debt was mine. I requested this information so that I could be sure of what debt came from where before I started paying off anything. I then contacted XXXX and XXXX to let them know that I have asked Southern Management Systems to validate the debt as mine. Southern Management Systems received my validation request on XX/XX/2020, and XXXX and XX/XX/XXXX received my notice that a request to Southern Systems Management was sent on XX/XX/XXXX. I see that both my XX/XX/XXXX and XX/XX/XXXX reports were updated and now show that the accounts are in dispute ; I requested to XXXX XXXX that they temporarily cease the reporting of these accounts during my investigation, and I requested that XXXX and XXXX enforce the FCRA and stopped any reporting of invalidated debts if Southern Management Systems failed to do so. None of the 3 parties involved have temporarily removed the accounts and are currently violating my rights as a consumer.
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. 

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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Dispute for Account Opened Fraudulently Dear Experian Dispute Department, I am writing to dispute an item on my credit report that reflects negatively on my credit history. The account in question was fraudulently opened, and I believe this information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently obtained a copy of my credit report from Experian and noticed an account that I did not open or authorize. This account is negatively affecting my credit score, and I have reason to believe that it was opened fraudulently without my consent. 

I am formally requesting an investigation into this matter to correct the inaccuracies on my credit report. I kindly request that you : XXXX. Conduct a thorough investigation to determine the validity of this account.

2. Provide me with any information related to the account, including the date of account opening, the name and contact details of the account holder, and any supporting documentation.

3. Remove this account from my credit report immediately as it is a result of fraudulent activity.

I have attached copies of supporting documents that may assist in your investigation. 

Please inform me of the results of your investigation once it is completed. You can reach me at XXXX XXXX XXXX XXXX or via email at XXXX to provide updates or request further information. 

I appreciate your prompt attention to this matter and your assistance in resolving this issue. I am committed to ensuring the accuracy and integrity of my credit report. 

Sincerely, XXXX XXXX XXXX ---
Product: Credit reporting or other personal consumer reports

i OPEN AN EXPERIAN CREDIT ACCOUNT AND I SEEN AN UNKNOWN NAME ON MY CREDIT REPORT. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX AND XXXX XXXX XXXX, XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

Method of verification FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY I request an immediate response of the verification source of information used in order to return " verified '' response to the last CFPB complaints filed with each credit bureau. Under the FCRA 611 ( 15 U.S.C. 1681I ). I demand to receive from XXXX, XXXX, and Equifax the source of verification used by these companies, or delete all those contested items from the credit report. Otherwise, these companies will have to compensate for all the denials attributable to the contested items in question for willful noncompliance and negligent noncompliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX, XXXX, and Equifax  multiple times about fraudulent information that is being reported on my credit profile. I've have told them that these accounts and records do not belong to me and provided them with an FTC report as well as a deletion letter from XXXX XXXX. These companies have ignored my complaints and have continue to report these items. FCRA section 605 B states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

These companies have violated section 605 B and this is my last attempt to rectify the situation. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completely disagree with your response to my complaint about a XXXX day late reporting XX/XX/XXXX on my student loan. You wrote, " According to our records, you filed your most recent bankruptcy action, Chapter XXXX, on XX/XX/XXXX. Your Loan XXXX was requested, applied for, and disbursed after your bankruptcy petition was filed. As a result, this loan was not eligible for the bankruptcy forbearance status. '' I absolutely NEVER requested a student loan after a bankruptcy petition was filed. There would be absolutely NO WAY I requested a student loan during or after bankruptcy petition AND I will absolutely involve my bankruptcy attorney to certify. XXXX absorbed my students loans from XXXX graduate program and I applied for and received a private student loan in XXXX for my second XXXX XXXX. All students loans ever recorded in my name were recorded in XXXX or prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have claimed that I owe them an alleged debt but did NOT receive my WRITTEN CONSENT to allow for these accounts to be placed onto my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 15 USC 1681 as a consumer I have the right to prohibit information from being used in connection to any credit or consumer transaction. 

I have attached the proof of these alleged being placed onto my accounts.
Product: Debt collection

XXXX XXXX  issue a garnish for my paycheck for a debt older than 5 years through XXXX XXXX XXXX
Product: Debt collection

The action of the debt collector is on a expired statute of limitation greater than 6 years old. The debt collector acts as fourth party to collect debt, originally XXXX, then Capital One ( acquired XXXX 2011 ), then indicates current creditor is XXXX XXXX XXXX , XXXX ( debt collector under Federal law is not : A creditor ), and fourth party debt collector XXXX XXXX XXXX XXXX seeks to collect on the " Re-Aged '' debt. The debt is not owed and the debt collector can not act as " Creditor '', violating Fair Debt Collection Act
Product: Debt collection

On XX/XX/2020 Toyota Motor Credit sent me a letter to collect the debt with amount is {$3600.00}. I respond to them that I don't have any account with them and my name is not the same as the person they want to collect the debt but they didn't respond to me. 

Today XX/XX/2020 I received a letter from XXXX XXXX XXXX XXXX attempts to collect the debt for Toyota Motor Credit, that debt not belong to me.
Product: Consumer Loan

HelloMy name is XXXX XXXX and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, XXXX this past XXXX. When I purchased the car I put {$600.00} down and I was financed by Credit Acceptance which is located in XXXX, XXXX. I agreed to pay {$250.00} every month and I gave them XXXX references with all there contact information. I recently had a family emergency and I had to fly to XXXX, I was only there for XXXX days and when I came back I received a call from XXXX XXXX telling me to come to his office because my license plates arrived. This was about XXXX weeks ago and he put my plates on himself but a XXXX later my car was repoed without warning! I never received a phone call or an email neither have any of my references that I left for them. When I called them they told me that the automatic payment system they put me on was blocked by my prepaid card? I normally call to make my payments anyways but with all that I had going on I really wish I would have received a phone call or warning before it was repoed. Now when I called Credit Acceptance they told me my car was moved to XXXX, XXXX which is about XXXX miles away from where I live. After trying to make sense of everything with them over the phone it was obvious that I am dealing with greedy morally incorrect XXXX who did n't care about my issue. However they did tell me if I paid the repo fee and my week behind payment I could pick my car up today in XXXX. After paying them a total of {$540.00} the lady then told me my car was not in XXXX, XXXX but it was moved to XXXX, XXXX! I have been pushed around enough and lied to I am an XXXX Veteran and to be treated like this is very disrespectful and hurtful! My neighbors all saw the man repo my car and saw me try to reason with him because I thought it was a mistake! I am very embarrassed about the whole situation and I just want my car back so I can get to work. According to them I can pick up my car Monday in XXXX, XXXX, I will be taking a train and walking the rest of the way hopefully they will be honest about XXXX thing through this whole ordeal. I am not sure if there are any laws against what they have done if not I would just like the world to know how heartless they are and how they treated this Veteran! My phone number is XXXX, my email address is XXXXXXXXXXXX, Credit Acceptance 's number is XXXX. 
Thank you for you time!
Product: Credit reporting or other personal consumer reports

I checked my credit report on XXXX  and I noticed a Public Record from a XXXX XXXX  Bankruptcy on XX/XX/XXXX still reporting on TransUnion and XXXX. On XX/XX/XXXX the bankruptcy court advised me that the court does not report, verify, or furnish information to credit bureaus or any third party. I disputed the bankruptcy to all XXXX bureaus with the attached statement from the court and it was deleted from my XXXX report effective XX/XX/XXXX but Transunion and XXXX failed to perform an investigation and delete the disputed information. If the CRAs can not validate the information with the original creditor, they must remove said information from the consumer credit file. The Bankruptcy Court has provided me a letter that emphatically stated that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. Therefore, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C. 1681i ) and the information MUST BE DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes to help clear my credit report with Equifax. alot of information is invalid an needs to be reviewed an deleted. please help check over my file an remove the mislead information that is hindering my file asap.
Product: Credit card

On XXXX/XXXX/16 I made a single {$200.00} online payment to my Bank of America Visa card. 

On XXXX/XXXX/16 a {$200.00} payment was withdrawn from my XXXX XXXX Savings Bank checking account and credited to my Bank of America Visa account. This first payment did show up on my Bank of America Visa account. 

Then on XXXX/XXXX/16 a second {$200.00} was withdrawn from my XXXX XXXX XXXX Bank checking account and credited to Bank of America Visa. This second payment ( which was unauthorized ) did not show up on my Bank of America Visa statement, and they claim to have no clue about it. 

I went to my bank on Thursday XXXX/XXXX/16 and they verified that the money was indeed sent to Bank of America to be credited to my XXXX account, and that they can not do anything about it because Bank of America already received that payment. However, I was told by Bank of America ( on XXXX/XXXX/16 ) that they never received the money and told me repeatedly that the problem had to be with my bank and that they should deal with it ( even after I told them that XXXX XXXX XXXX Bank confirmed that Bank of America received the {$200.00} ). They did, however, say they would look into the matter when I phoned them and that they would call me back within 24 hours. I still have n't heard from them. 

I may live on XXXX 's XXXX but I only make {$300.00} a week and this missing money has resulted in my not being able to pay some of my bills. It seems as though it has disappeared into no where and it was essentially inadvertently " stolen '' by Bank of America due to a problem with their e-payment system. I am upset by the fact that there seems to be no actual paper trail and Bank of America is not willing to take any sort of responsibility for what happened. 

The only thing I would like to add is that after all this I was contacted by XXXX XXXX by mail regarding a security breach at their company. I received the letter late on Thursday XXXX/XXXX/16 and called them that day. They said that my credit card information my have gotten out and that I should have my credit card number changed. I phoned Bank of America ( their XXXX is my only active CC ) and requested to have my number changed. I told the customer service person at that call as well ( the second call to them that day ) about what happened regarding my missing {$200.00} and he said he would also make a written complaint for me. I 'm not sure that the incidents are connected, however I think you should be aware of this and also know that the CC # I have provided as a reference is the cancelled card # ( I wo n't receive a new card and number until later this week ). 

Thank you.
Product: Vehicle loan or lease

I traded in my vehicle XXXX. Upon doing so, XXXX XXXX was supposed to send the payoff letter to Wells Fargo. They failed to do so in a timely manner, causing a late payment to be added to my credit report. Ive tried to dispute it and Ive contacted XXXX  numerous times about typing a certified letter to turn in to the credit bureaus, but they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX