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

To whom this may concern, my name is XXXX XXXX, and this statement is being generated by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in violation under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave this consumer my written instruction or written consent to report anything on my consumer report which violates my rights as a federally protected consumer. No consent IS IDENTITY THEF! For this reason, I am demanding removal of these accounts IMMEDIATELY.
Product: Credit reporting

I have hard inquiries on my report that I did not contact these companies about.
Product: Credit reporting or other personal consumer reports

A NEGATIVE ENTRY WAS MADE TO MY CREDIT REPORT BY XXXX, I SINCE DISPUTED THIS CLAIM AS I DO NOT KNOW NOR HAVE A CLUE OF THE COMPANY OR ITS EXISTENCE OR WHAT I HAVE MIGHT HAVE DONE TO OWE THEM MONIES. XXXX COMES BACK TELLING ME THE REPORT WILL REMAIN OR I MIGHT PROVIODE MORE DOCUMENTS WHICH I BELIEVE IT IS THEM OR THE COMPANY IN QUESTION TO PROVIDE NOT ME. I HAVE A PRETTY GOOD CREDIT REPORT AND HAVE NO CLUE WHAT THIS MONIES REPRESENT
Product: Credit reporting, credit repair services, 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 : {$2000.00}, XXXX XXXX Balance : {$2700.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$8200.00}, XXXX XXXX Balance : {$220.00}, XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$9400.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> around XXXX XXXX  EST i attempted to create an account with Transunion to dispute numerous incorrect information on my credit report. After completing the verification of identity, the site tried to make me purchase a subscription to be able too get an account with them to dispute it. This is in direct violation of the Fair Credit Reporting Act.
Product: Debt collection

DYCK ONEAL INC a debt collector has opened a fake account in my name and. posted late payment to my credit report I have not agreed to any payment plane with this company nor have I had any contact with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Debt collection

Received letter saying that I owed for a debt from a credit card that was over 8+ years old. This debt is no longer able to be reported to credit bureaus, it is out of statute and industry standards. It is also out of Colorado legal statute, therefore can not legally be collected. This debt is too old, and a closed matter. Trying to collect on it is an illegal attempt to bully, and negatively affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and Transunion should not be reporting that I am XXXX 120 XXXX days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX owns the CitiBank charge off currently being reported on my credit report in error. This charge off does not belong to me and is causing harm
Product: Credit reporting, credit repair services, or other personal consumer reports

CoreLogic Credco, LLC has been doing a hard inquiry on my credit report twice a month for the last six months. I did not authorize or request credit. I have requested that they stop pulling my credit but it continues to happen. My credit score dropped 50 points yesterday after two hard inquiries from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
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 XXXXXXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this 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.

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

In accordance with the fair credit reporting act the following accounts have violated my rights by posting my personal matters in public for everyone to observe XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 section 602 States I have the right to privacy * 15 USC 1681 section 604 A section 2 it states that a consumer reporting agency can not furnish a account without my written consent instructions which I have not done so *15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose These companies along with Credit Bureau have knowingly violated my rights and I will be force to take legal action if this continues
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 5 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/XXXX- XX/XX/XXXX ). Out of desperation I joined a debt consolidation company. I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.

I have been a customer with Chase Bank for both my personal banking and business banking ( XXXX XXXX XXXX ) since XXXX. Over the past few years, I have enjoyed the customer service and financial products you provide and would love to stay a loyal customer. 
Personal Account # : XXXX Business Account # : XXXX
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX  XXXX XXXX Balance : {$XXXX}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING XXXX ACCOUNT # XXXX MY RIGHTS 15 USC 1681 SECTION 602 15 USC 1681 SECTION 604A SECTION 2 15 USC 1666B
Product: Money transfer, virtual currency, or money service

{$600.00} was taken out of my account the receiver claimed she didnt receive funds and they took an extra {$600.00} out my account and closed my account after being with them for over 10 years with good standings
Product: Debt collection

On XX/XX/2021 was contacted by Wakefield and associates about a debt that was supposedly ours. I then sent a debt validation letter on XX/XX/2021 to them which they received XX/XX/2021 to which they never responded. They never stopped collection attempts. They just garnished my husband 's check on said debt they never validated. They also never informed us of any garnishment orders before they just did this. The fact this company thinks they're above a federal law is scary to say the least!
Product: Vehicle loan or lease

The car was wreaked while I was at the stop sign. I was hit by a car the police was chasing and by another car that was at another stop sign. 

The car was totaled out and sent to the impound center. 
I informed the car company " XXXX  '' what happen. 

I never heard anything back, and now Jefferson Capitol LLC has it. Purchased it for pennies on a dollar. I asked for verification and proof of a wet signature and a approval letter to them from myself, stating that I gave permission to purchase this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was searching my offers for refinancing my auto loan through Lendigntree, and many offers came out, but I wasn't interested in any of them, 5 minutes later I received a email from credit karma telling me that a new hard inquiry was just added to my TransUnion credit report, and after that I received an email from XXXX saying " We have completed processing your loan application. Come back to our website '', I don't know who is this company and why they are doing a loan process without my permission, I wrote them but I still don't have an answer from them, so I don't want a hard inquiry if didn't do my consent, that will affect my credit score, the name who is shown in credit karma is XXXX  XXXX, I already call them and they told me that they work with XXXX XXXX, so I called lendingtree to resolve this and they told me that they can give permission to do a load application because is in the disclosure that I accepted when I signed up, but when I Search the disclosure I found this : '' Credit. Any loan request you submit is NOT an application for credit. Rather, it is a request to be matched with Lenders to receive conditional loan offers from Lenders. You may have to complete a full application with a Lender before they will extend an unconditional loan offer. '' so they lied to me when I called
Product: Debt collection

Ive filed multiple disputes with this company yet theyve still havent resolved the issue with my consumer report. I dont have a contract with any of these companies to collect any money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX REPORTED A 30 DAY LATE ON ALL MY CREDIT REPORTS. XXXX STATED THAT THEY HAVE CORRECTED THIS WITH ALL THREE BUREAUS BUT NOT ONE IS REMOVING IT ( XXXX, EQUIFAX AND XXXX  )
Product: Student loan

This complaint is about First Associates : XXXX which company is responsible for receiving the payments for my loan for school, University XXXX . The complaints are as follows:1. The company does not offer me visibility to the daily debits and credits to my loan account. All transactions are lumped into a few lines in each of my monthly statements. 
2. The company has severally made errors in computations on my account, the latest of which is that a payment of {$1200.00} which I made to the account was not recorded in the relevant statement ( see attachments ). I can provide additional example of errors made in the past on my account on request.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 reporting or other personal consumer reports

On numerous occasions, I have expressed to TransUnion of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice of Each Violation.
Product: Credit reporting or other personal consumer reports

Ally Financial stemming back to XXXX This is account of as charged off back in 2018 and I had ( 2 ) accounts. One for a personal and business vehicles : Ive been in communication with them and their 3rd party collection company that I believe the sold the account to because Ally will not speak to me on the phone because the account is with XXXX yet Ally Financial is the one that is reporting negative information on my credit reports. 

Ally Financial was sued and a few years ago for the same reasons they show I owe $ XXXX on a repo. I asked for them to provide proof, never received anything. 

Ive disputed some several times over the years and provided my emails and conversations that I had with their team member that advised that this account should have be cleared like my personal account It never was and in speaking to their 3rd party collection company they say they can not do anything about it. 

However how can Ally Financiak report this as negative when they are not servicing the account and 3rd party is. 

I recently disputed it again and they changed comments and updated balance due date which dropped my credit my XXXX points. How can this be charged off already from XXXX, affected my credit back then, how can the same negative account affect my credit score for a second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX credit Bureaus allowing XXXX XXXX to continue to report on my credit file..consumer protection and federal trade Commission added a reporting block to my file as of XXXX XXXX I reported to all 3 credit bureaus and sent the documents to each .. Filed over 7 disputes not to Allow XXXX  XXXX to report and inaccuracies because we're still in legislation and it's truly damaging my chance to be able to purchase my first home ... XXXX vs XXXX XXXX as of XX/XX/2020 Block isnt in effect at All! Still reporting doing so much damage..and it's not helping to keep filling disputes after dispute I been fighting and complaining to no end..I been turned down for approval because of XXXX XXXX still reporting after Block was added as of XXXX 2020 Thank u
Product: Vehicle loan or lease

I offered a settlement of {$1000.00} I turned in the police report, the estimates, all paperwork needed to have a settlement, off a settlement of {$2300.00}. I was told that because I did not have the accident., but the police report showed that I did not or was not at fault. I would like the calls ran because I was told by XXXX XXXX that everything would be fine once all documents were submitted. I find this constructive/ set up, and need actions handled. The car I own was in the accident and we were not at fault. That should not be a reason of denial. I have paid well over the 60 month agreement. These are late fees attached and 2 payments behind. I gave a fair solution were we all would come out on top.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I submitted letters to the credit bureaus informing them about inaccuracies that appeared on my credit profile. I haven't heard anything back from them and it's been over 45 days. I feel like I am being taken advantage of and I will take this matter to court if I have to. These inaccuracies are holding me back and is causing me a tremendous amount of stress. I found out recently that I was impacted by multiple data breaches, and I know for a fact that somebody had access to my information. Section 611 ( a ) states failure to respond within 30 days should result in automatic deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

When attempting to get an Experian credit report from XXXX, which is required to work by law, I get the following message : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX  Request form. 

XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX
Product: Credit reporting

I disputed a bankruptcy dismissed on my credit reports ( Equifax, XXXX, XXXX ) starting on XXXX XXXX 2016 and they all have reported it as verified. I provided them with documentation showing that the bankruptcy court does not report to the credit bureaus and requests under the FCRA sec 609 for there validation procedures and FCRA sec 15 as my disputing the validity of the account. Equifax and XXXX are reporting them as valid and XXXX is refusing to reinvestigate stating that unless I provide them with more evidence they are not going to reinvestigate. I have not been provided with any documentation stating that this debt is mine or with my signature I need this removed immediately so that I can refinance my home loan. they have no way of providing proof of this account and just looking up a case ( docket ) number is not validation that this belongs to me, I have signed certified mail receipts from all XXXX credit bureaus and reports stating that they verified this but no proof that this debt is mine. Please help me to get these removed. they also did not mark my account as disputed within the 30 day time frame which is a violation of the law if it is not marked as disputed then they have to remove it. I have talked to all XXXX agencies on the phone and have been hung up on by the out of country reps ( XXXX, XXXX ) and also the American reps in Nevada especially when I ask for an American Supervisor which I feel is very unprofessional. This account is not associated with any of my personal accounts and has no money attached to it, please help me get these removed off of my credit reports. Thanking you in advance for your support. 

XXXX MD XXXX SS # XXXX PH. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent XXXX a certified mail letter requesting information in which I have yet to receive a response! XXXX is in violation of my rights as a Federally protected Consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

WFDS  -  XXXX  Tried to get late payment off of  XXXX  credit reports record because this account has been closed as a charged off for years and I am not liable.