23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Last year and I got into an accident at the end of XXXX I got my car from XXXX in XXXX at the day after XXXX the accident happened XXXX until XXXX in the morning time lady ran a stop sign and she ran into me she was in a rental car and I was on my way to work my car was still running so they wanted me to take it to the body shop to get fixed. 

So they set me up appointment to take it to the body shop took it to the body shop it been in there for 45 days 43 days it supposed to be in there only for 40 days but the parts took a long time to get back so when they did get back they start taking off the parts and they seen that the shaft the arm shaft the XXXX holes up the engine frame the hood frame was bent so they deemed as a total loss I lost my car that day when he said that but I haven't been in compensated from actually getting a new car they just paid my car off {$12.00}, XXXX. 

Ever since then I've been calling XXXX I've been calling the department to ask them why they is that showing on my credit like that that's a lot of money y'all paid the car off y'all paid it off early for me I'm supposed to pay it off at 6 years with that happening I ain't got paid off in less than a year so every time I try to actually don't call around and look for a car it's still showing that it's still my credit on the site because it is still marks me as me having the car they want me to trade the car in for something else but I don't have the car no more so I'm asking you can y'all please help me resolve this and get this off my credit cuz this is the biggest loan that's hindering my credit and I got others I'm trying to get off as well
Product: Credit reporting, credit repair services, 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 accounts Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  NA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX NA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXXE XXXX : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX  BA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX accounts Account Name XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX ACCOUNT S Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion accounts Account Name : XXXX Date : XX/XX/XXXX Account Name : CXXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date XXXX XX/XX/XXXX Account Name : XXXX Date XXXX XX/XX/XXXX Account Name : XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/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 XXXX 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: Checking or savings account

I opened a CD account for over a year with my company name called sound of the XXXX XXXX I close the account few weeks ago and I was told I will get my money in the next 7 to 10 business working days it been almost a month and I still havent recieve my money. Also I have called plenty of time for my money but no one seems to know what to do or give a concrete explanation of why I cant recieve my money. They say your money has been released. I wanted to use the money to take care of important business and Bank of America have deprived me from making this move and made me loose potential investments. I also went inside the bank and spoke to a manager, he tried his best to resolve it but he was also lost because he couldnt understand why I still can not recieve my money. I also dont have a balance so there is no reason why I havent recieve my funds till now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in Violation of my HIPPA Rights. The HIPAA Privacy Rule is a federal law that gives me rights over my health information and sets rules and limits on who can look at and receive your health information. The Privacy Rule applies to all forms of individuals ' protected health information, whether electronic, written, or oral. The HIPAA Security Rule is a federal law that requires security for health information in electronic form. In addition, the Patient Safety Act and Rule establishes a voluntary reporting system to enhance the data available to assess and resolve patient safety and health care quality issues, and provides confidentiality protections for patient safety concerns.

EQUIFAX continues to report inaccurate information on my consumer report. a medical collection on my consumer report. This is not my account which I told them back in 2018. ( FCRA 15. U.S.C 1681 section 62.3 ) not only have they violated my HIPPA rights they AGAIN have violated the FCRA which protects consumers from inaccurate credit reporting. I also OPTED out of any reporting with this company. Under 15 usc 1681 section 602 states I have the right to privacy! I no longer have a contract with EQUIFAX.
Product: Credit reporting or other personal consumer reports

Equifax has 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. I have disputed this matter several times through every department possible. Inquiries included on my credit report which began XX/XX/XXXX, XXXX XX/XX/year> were from a result of identity theft. I have filed an identity theft complaint and proved this to Equifax has communicated to me that these inquiries are not going to be removed for two years. Due to being a victim of identity theft and systemic issues these inquiries are in fact inaccurate. Equifax has failed to correct this issue causing ongoing harm to my credit standing.
Product: Credit reporting or other personal consumer reports

These are the accounts I marked as inaccurate. 

XXXX {$830.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX  {$1900.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX {$350.00} XXXX XXXX XXXX XXXX {$1400.00}
Product: Debt collection

I have been requesting, since XX/XX/2021 verification of these alleged debts that you keep reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Product: Debt collection

On Friday, XX/XX/XXXX at XXXX I received a phone call from Kateena with Eagle Recovery Associates on my work cell phone ( XXXX ) XXXX. I explained to XXXX she had reached me on my work cell phone and asked that she not contact me at that number again. She then asked for another phone number. I advised her that I do not have a land line and did not wish to be contacted on my personal cell phone number either. I verified my address and asked her to send me information regarding this debt in the mail. XXXX then threatened to contact my employer and told me she would mark me file as refusal to pay. I have not received anything in writing regarding this debt. I called Eagle Recovery back on Friday, XX/XX/XXXX at XXXX and asked for the name of the representative I spoke to this morning because I wanted to file a complaint. The representative put me on hold to get a manager, " XXXX ''. I explained to XXXX what had transpired earlier that day and he told me a letter was sent on XX/XX/XXXX. I advised him I have yet to receive the letter and told him the representative had threatened me. He told me my account was not to the point of being referred and then proceeded to try to get me to give him another number they could call. When I told him I didn't have a number, he said I was asking for a Cease and Desist. I told XXXX I was not asking for a Cease and Desist, I just want some information in writing. When XXXX started to advise me on how best to open my mail, I ended the call.
Product: Checking or savings account

Truist has been putting administration holds on everyones deposited checks when done through mobile deposit. I have been depositing checks on mobile ( BB & T ) for 3.5 years and never once had s bad check or a bad standing with the bank. Yet, they have decided to hold 5 checks for over {$6600.00} dollars in one week. That is for payroll for my company and for my family to survive. THIS IS CRIMINAL! It is happening everywhere with Truist. There are hundreds of complaints online about this exact behavior in the last few months. 

3 of these checks are bill pay checks where the other bank verifies the funds before sending the check!!! I have been depositing those same checks for over 3 years and never had a hold or a bad check!!
Product: Credit reporting or other personal consumer reports

XXXX is reporting about 12 collection accounts on my credit report that do not belong to me and that may have been open with my stolen information. XXXX has been aware of this for years but continues to allow incorrect information on my report. There is one account that does belong to me that is showing is past due which is inaccurate as well. Because of XXXX neglect I can not get approved for credit and pay high Interest rates. They refuse to correct this matter. The companies refuse to provide a signed contract that has my signature on it because I never contracted with them.
Product: Debt collection

I do not owe for this account this was an account maybe owed by someone else other than my self. I have not authorized this account and services were never rendered to me. Its a medical bill sent to collections that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.I will seek monetary compensation if this isnt handled
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 i sent in my Dispute to Experian using USPS certified mail XXXX. I requested that Experian provide proof of investigation and proof of negative payment status for the following accounts showing on my credit report : XXXX XXXX  Flexible spending credit card with account # XXXX XXXXXXXX XXXX XXXX XXXX  with account XXXX XXXX XXXX Charge account with account # XXXX Experian responded that accounts were updated but all information remains the same on my credit report. Experian also DID NOT provide proof of investigation and proof of negative payment status for the following accounts listed above. I request that these accounts be removed from my account immediately The FCRA requires credit reporting agencies to report accurate and complete information. Under the FCRA, these agencies and the entities that provide them with credit information ( like lenders ) are responsible for correcting inaccurate or incomplete information in your report ( XXXX5 U.S.C. 1681e ( b ) ).

If a consumer disputes the accuracy of information in their credit report, the credit reporting agency must conduct a reasonable investigation to determine whether the disputed information is inaccurate ( 15 U.S.C. 1681i ( a ) ). If the information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted.

Entities that provide information to credit reporting agencies ( furnishers ) must also ensure the accuracy of the information they supply. If a consumer disputes the accuracy of this information, furnishers are required to investigate the dispute and correct any inaccuracies ( 15 U.S.C. 1681s-2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violated my rights under the FCRA by changing and/or illegally updating the DATE OF STAUS and DATE OF FIRST REPORTED on XXXX XXXX XXXX XXXX  / XXXX account. Also placing an unsolicited freeze on my credit report with this dispute I am attaching My state ID, copy of my social security and a Gas Bill to prove my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed public filings on my credit report from XX/XX/2021 up until now, XX/XX/2021 with XXXX, Transunion and XXXX. I have been given the run around as to who verified or added this information to my profile with XXXX. Transunion and XXXX  have not even responded to any of my dispute letters. XXXX  has not shared any of that information even after reaching out to courts myself and finding out they did not report such information to my credit.
Product: Debt collection

XX/XX/2023 added negative report to my credit claiming an inflated amount owed.
Product: Credit reporting or other personal consumer reports

Please take away these inquiries. I have no information about this, and the company acted without my permission.
Product: Credit reporting

In XXXX XXXX the Georgia Department of Revenue issues a state tax lien for taxes owed for two specific years. The lien was issued in error due to my checking account information being entered into the system incorrectly by the Georgia Department of Revenue Customer Service Representative. In XXXX XXXX a monthly payment was established and required me to submit a voided check and a signed agreement for a monthly withdrawal regarding my tax payments. The requested documents were received and payments were to automatically withdrawn on the XXXX day of each moth beginning on XXXX XXXX, but instead a tx lien was filled in error for non-payment. The Georgia Department of Revenue was contacted several times in regards to this lien and refused to remove it after seeing the error. I was informed that once the tax debt was paid in full the a lien release would forwarded to me and the XXXX County Superior Court to have the lien removed from my credit report and from the court records. A copy of that lien release was provided to Equifax XXXX/XXXX/XXXX and a copy was forwarded to the XXXX County Superior Court Clerk. to remove the lien and to inform the XXXX major credit bureaus that the lien was paid in full. Equifax did not do its due diligence in investigating this matter and instead of reviewing the status of the lien as I requested they instead verified the lien with the XXXX County Superior Court. The lien was not filed by them but instead filed by the Georgia Department of Revenue and should be the entity contacted regarding this matter. Instead Equifax contacts the XXXX County Superior Court and even when presented with documents that show the lien is paid and released nothing changes on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To be clear this is a process issue with Equifax. I note it here because I wish others and this bureau to take note. When people move and update their address, Equifax will show addresses that are Not current as such. For instance, I moved ( had a difficult time correcting data - bureau website is not user friendly ) but when Equifax reviews old addresses they will place a date Reported of XX/XX/2020 ; Yes it does say previous address too however, just by reflecting that the Reported date of XX/XX/2020 is there shows that it is current. Specifically, I left the previous location XX/XX/2020 thus this is Incorrect - making it Appear that I have both. This type of reporting caused issues a few years ago too ( of which I kept the documentation )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. I'm looking forward that these will be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX - XXXX WFDS XXXX XXXX XXXX - XXXX ( Orig Cred : XXXX XXXX ) - XXXX
Product: Mortgage

My family had to put my dad into XXXX. He vacated his house on XXXX XXXX, XXXX. It 's XXXX XXXX and we 're still trying to work with Financial Freedom, the provider of the reverse mortgage on the property, to sign over the house. Financial Freedom has been impossible to work with : 1 ) Even though they throw around terms like " Single Point of Contact, '' we have never had a dedicated representative to work with. 2 ) It took five months to get them to recognize that the property was vacated. 3 ) It has taken three months to get the right forms to start the Deed in Lieu process. 4 ) Every time we call to get an update, we 're told conflicting information. Meanwhile, my dad is paying for utilities and insurance for a house he has n't lived in for ten months.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XXXX of 2021 I received notice that my mortgage is increasing from {$1100.00} per month to {$1700.00} per month. They said because taxes have gone up. Property taxes on my house is {$4300.00} per year. They told me that they have increased to {$7800.00} per year. I contacted the town of XXXX, RI and asked them if this is true. They told me NO it is not. Then Amerihome Mortgage Company said it is a UTILITY tax placed on by my town. Again I went back to the town hall and they said there is no such thing in this town or in the Stated of Rhode Island. I again went back to Amerihome and I sent them a copy of my Property Taxes and they said they would so some research on it. When I called they would not give me a copy of this Suppose Property Utility Tax. Nor would they tell me where it came from. I contacted several other mortgage companies here in Rhode Island and they said they never heard of it before. Amerihome refuses to give any evidence showing this so call Utility Tax. Can anyone help them from trying to steal from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Acct # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated My rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. Also these accounts dont match all 3 credit bureaus have different information on each accounts, Different dates and amounts. I have sent several letters trying to get this taken off my credit with no help.