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

Over the last 7 months, I have been disputing the inaccurate information on my credit report with the CRA 's ( XXXX, XXXX and Equifax ). They are in violation of these consumer laws : Under 15 USC 1681e ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher that the information has been modified or deleted from the consumers file. 


ACCOUNT NAME : XXXX XXXX
Product: Debt collection

I received multiple letters : XX/XX/XXXX Regarding sale of XXXX XXXX Account ending in XXXX. Letter stated XXXX XXXX XXXX, XXXX sold account to Resurgent Acquisitions LLC on XX/XX/XXXX. 
Original Creditor : XXXX XXXX  Open date : XX/XX/XXXX Reselling Creditor : XXXX XXXX  Transfer date : XX/XX/XXXX Reselling Creditor : XXXX XXXX XXXX, XXXX Transfer date : XX/XX/XXXX Debt Buyer : Resurgent Acquisitions LLC Transfer Date : XX/XX/XXXX Another letter dated XX/XX/XXXX states, effective XX/XX/XXXX, LXXXX XXXX XXXX  has placed the account with Resurgent Capital Services L.P. for servicing. Amount owed is {$1000.00}. I have had a XXXX account years ago, but was unaware of any default in the debt.
Product: Credit card or prepaid card

On XX/XX/2018 I notified Citi XXXX XXXX card that I dispute all charges related to credit card number xxx XXXX. The charges at the time were in the amount of {$6200.00}. I explained that the account was not opened by me and I had no possession of the card issued under this account. I never authorized anyone to open or use this account. 
The card was opened by XXXX XXXX ( ex ) husband who is responsible for all charges. XXXX XXXX was making the payments from his accounts until our divorce proceedings at which time he stopped paying the card and handed it to me for payment. 

Citi XXXX XXXX gave no consideration to my statements and facts described in multiple letters dated XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18 and rejected my claim. 

I continue to dispute all charges of the Citi XXXX XXXX card account and there would be no further payments made for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts violate my rights : XXXXXXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXXXXXX XXXX acct # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft, this is wrong when Creditors do not verify new and open accounts. I did not give Consent on theses account, someone used my personal information without my Authorization.
Product: Debt collection

On XX/XX/2020, I received notification from my XXXX  account that a collection agency by the name of AFNI, INC. added a collection account on my credit report in the amount of {$290.00}. I then called the number provided XXXX and spoke with XXXX. XXXX advised me that he is attempting to collect a debt from XXXX XXXX. I advised XXXX that he is the third collection agency representing XXXX   XXXX  for an account I never had with them. I explained that I have always used XXXX XXXX  XXXX and then XXXX. I also advised that I never lived at XXXX XXXX  XXXX XXXX and proceeded to list all my previous addresses. I informed XXXX that I had identity theft in the past and I need him to remove this from my credit report immediately. XXXX advised me to email XXXX. On the same day, I email the email address and attached my police report and my driver 's licensee. I have received no response from them. The account is still reporting the account. I want this to be removed and stop all collections on this account because it doesn't belong to me. This is the third time this has happened with this company. They NEVER NOTIFIED ME IN WRITING OF THIS DEBT. I ONLY SEEN WHEN IT REPORTED TO MY CREDIT REPORT. This has damaged my credit score. I dropped XXXX points because of this. Attached is my driver 's license and both of my police reports.
Product: Mortgage

I had XXXX loans with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX. I made XXXX payments via bill pay thru XXXX Bank. I had XXXX accounts XXXX XXXX. It was sent to the wrong account. According to XXXX XXXX XXXX XXXX from XXXX Research Dept, XXXX XX/XX/XXXX XXXX cashed my check for {$1100.00} and sent it on XX/XX/XXXX to Nationwide Credit Inc XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX EST XXXX. Again XXXX payment was cashed on XX/XX/XXXX and sent again to Nationwide Credit Inc . In XX/XX/XXXX, I made a settlement with Nationwide Credit Inc . I sent them the money. XXXX never corrected their record. Instead of sending the money back, XXXX sent the money someplace else and record my account as delinquent.
Product: Credit reporting or other personal consumer reports

Experian and Transunion have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account, as Experian and Transunion 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX should not be reflected on my credit report. See attached documentation where I sent Experian a certified letter and to date, they have not responded. Again, blatantly violating my consumer rights. Additionally, please see my most recent current monthly statements from XXXX, which prove I am an existing customer and have been for almost a decade. It is not possible for me to owe XXXX for a cell phone debt, yet I am a current customer and my most recent statement shows I do not have a past due balance. As a matter of fact, I pay my bill in full each month via auto draft. See attached statements. 

Transunion was sent a certified letter dispute as well in XX/XX/year>, regarding the inaccurate, unverifiable, negligent reporting of information. To date, Transunion has not provided me a response, yet they continue to report this inaccurate information which is harming my credit worthiness and integrity.
Product: Debt collection

RentDebt Automative Collections is not Licensed in the state of Illinois to collect any debt. I have asked the company to provide their License to collect in Illinois, and they have not yet to respond.
Product: Mortgage

My county property taxes were raised to about twice their normal rate because the county assessed my property to not be primary residence. Greetree - DiTech paid the taxes for two years without notifying me of the raise. After about a year, they hit me with the bill, raising my monthly payment by {$200.00}. I continued to try and make payments at the new rate and got the money refunded from the county of around {$2800.00} in two payments and sent it in. It took me 5 months to get them to revert the excrow back to the lower rate and even then they still said I owed {$640.00} in back escrow. How can I still owe more if I paid it back and the rate went back down and I kept up on payments. My payments wo n't revert to the new rate until XX/XX/XXXX and I 'm still paying {$200.00} over my original rate. Where is all of this excess cash going? I thougt I should have {$1000.00} or so coming back to me, but they tell me I owe {$640.00} and I 'm still paying at the higher payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX, and transunion by letter over 30 days ago and I still have not received a response, according to the FCRA credit reporting agencies have 30 days to respond. 

XXXX, XXXX and transunion is governed by 15 U.S.C1681.And they have violated my rights numerous of times. I demand the accounts attached to be removed from my account immediately According to 15 U.S.C 1681 I have the right to privacy and I did not give anyone permission to furnish these accounts. 

Please XXXX XXXX XXXX and handle according. If accounts can not be removed. I will filing a complaint with the attorney general and filing for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit bureau is not reporting 5 credit card accounts on my credit report. 

They are : XXXX XXXX XXXX XXXX XXXX Credit Card. 
XXXX XXXX XXXX XXXX XXXX XXXX Mastercard. 
XXXX XXXX  XXXX XXXX VISA credit card. 
XXXX XXXX XXXX XXXX credit card mastercard last 4 digits : XXXX. 
XXXX XXXX credit card. 

All of these credit card accounts are open and in good standing.
Product: Credit reporting or other personal consumer reports

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

THERE IS AN ALIAS NAME AND 2 PREVIOUS ADRESSES THAT NEED TO BE CORRECTED
Product: Credit reporting or other personal consumer reports

In my recent review of my credit reports, I noticed several accounts that I do not recognize and appear to be fraudulent. Below, I describe each of these accounts : XXXX  XXXX XXXX : Account Number : XXXX Date : XXXX Type of Account : Credit Card Description : This credit card account was neither opened nor authorized by me. I am unaware of any transactions or activities related to this account. 

XXXX XXXX XXXX : Account Number : XXXX Date : XXXX Description : I have not applied for or opened any account with XXXX XXXX. This account appears on my credit report without my knowledge or authorization. 

XXXX XXXX XXXX : Account Number : XXXX Description : I do not recognize this collection account and have had no debt or interaction with XXXX XXXX XXXX that would justify this entry on my credit report. 

XXXX XXXX XXXX  : Account Number : XXXX Date : XXXX Description : This is another collection account that was neither opened nor authorized by me. I have no outstanding debt that could be related to XXXX XXXX XXXX. 
These fraudulent accounts are negatively impacting my credit score and my ability to obtain new credit. I request a thorough investigation and the removal of these fraudulent accounts from my credit reports. Thank you for your prompt attention to this matter. 

If you need any adjustments or additional information, please let me know.
Product: Credit card

On XXXX XXXX, 2016 I received an e-mail from XXXX XXXX with a promotion : Earn a {$100.00} Cash Back Bonus with the Upromise XXXX. 
I clicked on the link to that offer and I applied for this offer with Barclaycard on line. For some unknown reason I did not received an immediate approval. Instead I received a letter via XXXX Mail asking me to contact their customer service via telephone in order to verify my information. 
On XXXX XXXX, 2016 I did placed a call to the number listed on the letter : XXXX, and I spoke with XXXX, her operator no. is XXXX. I am a naturalized XXXX citizen of XXXX descent. I do speak with a clear accent. After I answered a number of questions about my identity correctly, XXXX told me that I will have to mail to XXXX a copy front and back of my Social security Card and my Driver License. 
I told XXXX that this is the first time that any back has requested for such information from me and asked her if this is customary for Barclaycard to request from all individuals who apply for a credit card. She told me that this information is requested of me, otherwise I will receive no credit card from Barclaycard. I asked XXXX once again if she requested this exact information to be provided via XXXX Mail from all the individuals who apply for any of their credit cards. She refused to answer that question. I then asked her if my foreigner accent had anything to do with her request to provide Barclaycard with copies of my social security card and driver license. She refused to answer. I then informed her that I feel discriminated against because of my national origin, and that I want to speak with her supervisor. She told me that her supervisor will tell me the same exact thing and I could just chose not to send the information to them and no credit card will be issued to me. I once again insisted that she transfers me over to her supervisor which she finally did. 
The supervisor came on the line after many minutes of waiting. His name was XXXX XXXX and his operator number is XXXX. I told XXXX that I want to lodge a discrimination complaint against his company and the operator I just spoke to due to the fact that I have been singled out to provide additional proof of identity because I speak with a foreigner accent. XXXX denied of that taking place. I asked him also if it is customary for all the individuals who apply on line with Barclaycard to later on send by XXXX Mail copies of the social security card and driver license. he told me " no ''. 
This proves that I have been discriminated against based upon my national origin by the creditcard company. I have excellent credit history, my last credit score was XXXX and I have never been treated so badly by any other bank or credit card company before.
Product: Debt collection

In accordance with the Fair credit reporting act the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

On XXXX XXXX XXXX Professional Debt Mediation opened a collection on my credit report. 

Account XXXX XXXX  The amount is {$4100.00} I have never signed any written document saying that I owe this debt collection. 

They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have no written consent from my end. 

Also, they have not verified that I owe this debt to the alleged company.

15 USC 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. 

Please have this removed from all three bureaus. 

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following account : XXXX Account number : XXXX Balance : {$140.00} XXXXXXXX Account number : XXXX Balance : {$530.00} XXXX XXXX Account number : XXXX Balance : {$3000.00} XXXX XXXX Account number : XXXX Balance : {$920.00} XXXX Account number : XXXX Balance : {$1300.00} XXXX XXXX Account number : XXXX Balance : {$1300.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests and speaking with Transunion customer service, the unverified items listed below still remain on my credit report in violation of Federal Law. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.Transunion have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Transunion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to ... promptly DELETE all information which can not be verified. 

5 Inquiries XXXX  XX/XX/2019 XXXX FINXXXX XXXXXX/XX/2019 XXXX- XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

I leased a car through us auto sales and was overcharged for the vehicle the vehicle was a XXXX XXXX  XXXX  worth XXXX dollars they charged me XXXX for the car on XX/XX/XXXX. My payments was XXXX a month which was too high for me and I wasnt happy because the car value wasnt worth paying that much for a used car. I let USA auto sales know that I couldnt afford it so they told me once Ive had the car for a year I could turn it in for something thats cheaper. They ended up getting shut down when my year came last year so I couldnt do the trade. The car broke down out of nowhere it wouldnt crank anymore it was going to cost over XXXX dollars to get fixed I couldnt afford that plus keep up with high payments. I asked for them to come get the car it was too much stress and I was token advantage of from the start with the sell. The company has now shut down everywhere and its still sitting on my credit thats affecting me from getting any car and I have giving the car back. They have so many illegal charges against them for the wrongful things they have did to customers. USASF Wrongfully Repossessed my Vehicle turned it off so I couldnt use it when I was late making payments. USASF Misapplied my Payments which had my payments so high because they was getting so much profit off of used cars.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding an identity theft dispute. I submitted a formal dispute to Experian, providing all required documents, including an Identity Theft Report ( FTC or police report ), my government-issued ID, and proof of my address. Despite this, Experian has refused to delete fraudulent accounts and incorrect personal information from my credit report. 

What Experian Did Wrong?

Under FCRA Section 611 ( e ), Experian is required to delete fraudulent accounts within 4 business days of receiving a valid identity theft report. Additionally, under FCRA Section 694, they must ensure that fraudulent information is not reinserted into my credit file. Experian has failed to comply with these legal requirements. Instead, they continue to demand unnecessary additional documentation, delaying my dispute in violation of the law.

How This Has Affected Me?

Because of Experians failure to remove these fraudulent accounts, I have suffered financial and emotional distress. I am at risk of credit denials, increased interest rates, and damage to my credit reputation due to accounts that I did not open. Despite my repeated attempts to resolve this with Experian, they continue to ignore my legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under XXXX XXXX XXXX for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2017 I took a personal loan for XXXX from Heights Financial. I closed the loan and questioned why they were making me sign for credit insurance and an auto reward membership. I asked twice why I had to get these and it was explained that this was part of the loan. I signed the papers brought them home and in further review see I was charged {$530.00} for insurance premuims and {$240.00} for some XXXX XXXX XXXX. I called and asked why this was on my loan on XX/XX/XXXX and was told well you signed it so nothing you can do. If you dont want us pay us off. This is shaddy unacceptable business.
Product: Debt collection

I returned a call to a company called ADR. XXXX. After much badgering by the receptionist, i was transferred to another number : XXXX and spoke with a lady named XXXX. She indicated that I had been sent papers by a conpany named? and XXXX in XXXX. I did not receive any such papers. She also indicated that I owed for an account of XXXX XXXX. Account was opened in XXXX and ceased payment in XXXX. I advised that whatever she is talking about is almost XXXX XXXX XXXX. I may or may not have had a card but by no means did I have an account in the amount she was asking for. I can not find any case from the XXXX XXXX XXXX regarding these people. I can not find out if someone tried to serve me. They both indicated I had previously been tried to be serve. I have docuserve pages and they have been bugging me to sign them twice in about 3-4 hours. I don't know if they are real. I am afraid to open their documents. The phone number shows to contact the FTC. I am uncertain what to do.
Product: Debt collection

Caine and Weiner claimed to have obtained my personal information, including my Social Security number and date of birth, from a creditor in order to place a fraudulent collection notice on my credit report. However, when I contacted the creditor, they confirmed they had no record of an account under my name and did not share any of my information with this company. 

Despite my formal requests for proof of the debt, account details, communication records, and an explanation of the verification process, the company has failed to provide any of this documentation. I believe this company unlawfully accessed my personal information to place a false collection notice on my credit report.