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

I have request that the reporting company to remove the inaccurate information that is reporting on credit report. I was a victim of ID theft along with the Equifax XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. The inaccurate info is currently reporting on my file. Here are following inaccurate accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS YOU CAN SEE THESE ARE FRAUDULENT ACCOUNTS. I have request to have these items remove.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I am filing a complaint against Equifax fo falling to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy XXXX
Product: Debt collection

On XX/XX/XXXX I mailed a letter to AWA Collections asking for proof and validity of the debt that they claim I owe. On XX/XX/XXXX I received documents with a forged signature, stating that I owe {$3300.00}. I have never entered into an agreement with this company nor XXXX XXXX XXXX which is who they represent. This is a violation and an illegal practice. This debt must be removed from my credit report immediately.
Product: Debt collection

I have been called by number, XXXX, up to 3 times a day. They don't leave voicemail. When I called back is says " number not available ''. When I answer it says " no one is available to take your call '' Today, I picked up again and man identified his name as XXXX and said he was with the company Affirm. I told them to stop calling since they call me three times a day. He said it was a recorded line.
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 u.s.c 1681.. 
Account name... XXXX/XXXX... Account number # XXXX... Account Name... 
XXXX ... Account Number # XXXX  ... Account Name.. XXXX XXXX XXXX... Account # XXXX  ... Account Name ... XXXXXXXX XXXX XXXXXXXX ... XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions..

15 u.s.c 1681 c. ( A ) ( 5 ) section state : 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate..
Product: Credit reporting or other personal consumer reports

I have recently been working on my credit, when I got an alert from XXXX XXXX XXXX that I had an account with a company I had never heard of and a XXXX account that I have never had. 

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

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2400.00} XXXX contacted all three credit bureaus, XXXX, Equifax and XXXX and XXXX an identity theft report. 

XXXX  XXXX XXXX XX/XX/XXXX {$10000.00} XXXX contacted all three credit bureaus, XXXX, Equifax and XXXX and submitted an identity theft report. 

XXXX XXXX  XX/XX/XXXX {$5200.00} XXXX contacted all three credit bureaus, XXXX, Equifax and XXXX and submitted an identity theft report. 

XXXX XXXX XXXX XX/XX/XXXX. I contacted all three credit bureaus, XXXX, Equifax and XXXX and submitted an identity theft report. 

XXXX XXXX XXXXXX/XX/XXXX {$45000.00} XXXX contacted all three credit bureaus, XXXX, Equifax and XXXX and submitted an identity theft report. 

XXXX XXXX XXXXXX/XX/XXXX {$7200.00} XXXX contacted all three credit bureaus, XXXX, Equifax and XXXX and submitted an identity theft report. 


A HOST OF INQUIRIES ALSO I contacted all three credit bureaus, XXXX, Equifax and XXXX and submitted an identity theft report. ] XXXX XXXX XXXX XXXX auto finance XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO I ASKED THEM SEVERAL TIMES TO REMOVE ANYNNAME THAT IS NOT XXXX XXXX AND THE ONLY ADDRESS SHOULD BE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

There was a hard pull ( inquiry ) made by CBNA ( Citibank national association ). I do not have an account with this company nor did I give them permission to pull my credit report as well. This event has unfortunately caused a drop in my credit score and I would like this hard inquiry removed from credit report as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Identity Theft Report Fraudulent Inquiries Dear XXXX, I am writing to formally dispute several inquiries on my credit report that I believe are fraudulent and the result of identity theft. I have not authorized these inquiries and would like them removed from my credit report. 
List of Fraudulent Inquiries : XXXX. XXXX 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 XXXXXXXX I have enclosed copies of my identification and a FTC report that confirms the identity theft. I request that you investigate these inquiries and remove any that you confirm are fraudulent. 
Please confirm receipt of this letter and provide me with updates on the status of my dispute. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for awhile to get inaccurate information corrected on my Equifax credit report. I have made several attempts to get them to conduct a proper investigation, but they won't conduct XXXX. I wrote them on XX/XX/XXXX and they never responded and they have not made any changes to my credit report. I have also tried correcting this with the furnishers, but they also failed to conduct a proper investigation. They continuously violate the FCRA and continue to report inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit validation letters to XXXX  and Experian to validate accounts I was not aware of. I sent one letter in XXXX and received a response via mail stating the information was verified as accurate therefore ; I sent a follow up letter in XXXX in response to the first letter requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Once again I received another response dated XX/XX/XXXX stating this information was verified as accurate and not providing the information requested as asked. Under the FCRA 611 ( 15 U.S.C. 1681I ) this information must be documented and accurately verified or deleted within 30 days however, the 30 days as passed. 

I am disappointed that XXXX  and Experian has failed to maintain reasonable procedures to assure complete accuracy in the information they publish, and insist this company comply with the law by removing these unverified accounts from my credit report within the 15 days. Thanks! 

Unverified Accounts on XXXX  XX/XX/XXXX Acct # XXXX XXXX  XX/XX/XXXX Acct # XXXX XXXX XXXX XX/XX/XXXX Acct # XXXX XXXX   Unverified Accounts on Experian XX/XX/XXXX Acct # XXXX XXXX XX/XX/XXXX Acct # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX is currently submitting a complaint regarding Lexis Nexis a consumer reporting agency. According to the FCRA 15 USC 1681 ( a ) ( 4 ) as a consumer with respect to my right to privacy so there is no such thing as a public record which Lexis Nexis has failed to comply to my right to privacy in which is a violation of the FCRA and is currently reporting a Bankruptcy ( Case Number XXXX ) on my consumer report. I have reached out to the bankruptcy court to check to see if they report to the consumer reporting agencies and they have responded and stated that they do not report to the consumer reporting agencies. In the attachment of this compliant you'll find the letter from the court stating such fact. Lexis Nexis has fished this information out and was not given permission to have information and pursuant to 15 USC 1681b ( 2 ) they did not have permissible purpose to furnish this information. I demand that this is removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported balance has been incorrect for several months. Equifax is reporting a {$19000.00} balance, when it is actually approx. {$13000.00}
Product: Credit card or prepaid card

The beginning of XXXX, I got a call from another card questiong a charge to my account of {$400.00} from XXXX XXXX, MN. I advised them I did not make the charge and to not accept any further charges from XXXX XXXX. 

At that time I called my 4 charge cards and told them NOT to honor any XXXX XXXX XXXX for {$400.00}. They all took my request seriously and did not allow any more charges specifically XXXX XXXX, MN for {$400.00} I called Discover also. XXXX XXXX continued from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all for {$40000.00}, XX/XX/XXXX & XXXX, XXXX XXXX ), XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX charges for {$400.00} - XX/XX/XXXX XXXX XXXX again {$420.00}. LOOK AT ALL THE CONSEQUTIVE CHARGES MADE ON MY ACCOUNT with 4 on XX/XX/XXXX alone. 

NO ONE PICKED UP ON THIS ABNORMAL BEHAVIOR. I NEVER GOT A CALL QUESTIONING THE VALIDITY OF THE CHARGES!
Product: Credit reporting or other personal consumer reports

my equifax score is almost XXXX points less than transuion. I contacted them to remove addresses that were not mine as well. They said they did, and did not. My address is and has been XXXX XXXXXXXX XXXX XXXX ohio XXXX. Anything other than that needs to be removed from the report those are relatives addresses.
Product: Credit card or prepaid card

I purchased a cell phone through XXXX XXXX XXXX through Synchrony Bank. The intent was of course to pay the phone off in incremental payments each month as described when I applied for the financing. I set up auto-pay to be directed to the " monthly statement. '' Synchrony Bank then decided that my monthly statement should be my total account balance and charged me for the full value of the phone in one bill, not the incremental payment that was agreed upon when financing was established. It is now requesting that I provide a paper form through the mail for a billing disupte and it will return my funds in a month ( far too long ). It misrepresented its payment system and was quite frankly fraudulent in doing so.
Product: Vehicle loan or lease

I have been receiving constant aggressive collection calls from Credit Acceptance since XXXX XXXX XXXX threatening to disable and repossess my vehicle. My vehicle was repossessed XXXX/XXXX/XXXX and redeemed on XXXX {$43.00} represent partial payment for repossession fee altogether total of {$520.00}. They after I redeemed my vehicle did set a payment arrangement of {$300.00} of which {$19.00} was being applied to the remaining repossession fee. I had a family emergency in the month of XXXX and I mailed my monthly payment to them in the amount of XXXX which still satisfied my regular monthly payment of {$280.00} plus {$10.00} extra applied to the repossession fee. The payment agreement monthly schedule was to be paid on the XXXX of every month in the amount of {$300.00} until the repossession fee was satisfied. I mailed the payment out on XXXX XXXX they said that the payment was received late past XXXX the check cleared my bank on XXXX XXXX so that defaulted my payment agreement and they demanded that the remaining balance of the repossession fee be paid in full. I tried to explain to them the reason why I mailed my payment out on XXXX XXXX but they would not accept my explanation. I asked them could my payment agreement be reinstated and I would use the online payment method to make my monthly payments and that way the payments would always be on time. They refused to reinstate the payment agreement and said that my vehicle was in jeopardy of being XXXX because I have an outstanding balance. Since then I have been paying the {$300.00} and then I paid for XXXX an additional {$15.00} and for XXXX I paid an additional {$25.00} along with the {$300.00}. I am still continuing to receive collections calls from Credit Acceptance 3-4 time s a day the last time was today XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX  XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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 permission.
Product: Checking or savings account

There were 4 chargers on my account that were not authorized. 

XXXX. XXXX XXXX XX/XX/year> for {$550.00} XXXX. XXXX XXXX XX/XX/year> for {$830.00} XXXX. XXXX XXXX XX/XX/year> for {$530.00} XXXX. XXXX XXXX XXXX XX/XX/year> for {$710.00} Total {$2600.00} I reported the fraud and unauthorized charges to Chime and provided hard evidence of not authorizing these charges from text message alerts to evidence showing that the company that took my money has been closed for years. My claim was then denied four times. I was told that these claims were denied because the merchant provided evidence that ruled in favor of them. I asked for these supporting documents. Chime could not provide any evidence or supporting documents for the merchant. In fact the only support documents and evidence that were provided to me was the documents I provided. I called every time after receiving these documents and told many agents and supervisors that I did not receive documentation of the merchants evidence such as a receipt or even a tracking number for whatever service or good was provided. I was told by supervisors that this was a mistake and they would request the documents again for me. Once again the documents were the exact same ( the evidence I provided and no evidence or documents from the merchant ). I then filed a report on the CFPB and my claim number was XXXX. After filling the response that was given back to me was that a XXXX charge back has been initiated on XX/XX/year>. The merchant has a deadline of 30 days to respond with compelling evidence. Today, XX/XX/year> marks the XXXX day since the XXXX charge back was initiated. I called the Chime Dispute Team and was told by agents that the merchants did not respond and that they were still waiting to hear back from the merchants. I told them that I was under the impression that the 30 days was a hard deadline. I then asked if I would be issued a temporary credit. I was told yes since they did not respond back to the XXXX XXXX Back and that I would acquire a temporary credit today in a few hours along with an email. I have since waited and have not received either. I called again and asked what the hold up was. I was told again that the merchant has not responded and was told the same thing that a temporary credit would be issued today, I then proceeded to ask why a temporary credit was not issued before. The response I received was that the agent did not know why I haven't. My main concern is that the hard deadline of 30 days is not being honored and I am not being given the temporary credit. This is leading me feel that I am being mislead and not told the truth ever since my disputes were denied four times and was lied to about evidence from the merchant in the past about this fraud claim.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX XXXX XXXX, AND XXXXNever Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, PA, XXXX and XXXX XXXX XXXX XXXX XXXX, MD, XXXX
Product: Vehicle loan or lease

I have 10 pages that will be uploaded, and I like to explain each page. 
Pg

. 1 ) This is a letter to credit Bureaus explaining my claim. Pg. 2 ) Is a copy of receipt of the cashier 's check sent to Bridgecrest. Pg. 3
) A copy of letter from Bridgecrest stating a payoff amount with ending date XXXX. I will enclose a credit report that shows this payoff was paid on XXXX but it was actually paid before that on the XXXX. 
Pg. 4 ) Is a copy of my title sent to from Bridgecrest with a released date of XX/XX/2021 and you can see the account number written on the top. 
Pg. 5 ) This letter was sent to me 2 month 's later after my account was paid in full and closed. As you can see they used the same old account to present it as active. 
Pg.6 ) This is a XXXX credit report dated XX/XX/2021 when reported me with {$0.00} balance paid in full. 
Pg. 7 ) This is another report XXXX XX/XX/2021 {$0.00} XXXX Pg,8 ) Shows XXXX Credit report XX/XX/2021 report closed paid {$0.00} Pg.9 ) Is a continue of Pg. 8. 
Pg. 10 ) And this is what they are reporting now.
Product: Credit reporting

I am filing this complaint against All XXXX bureaus : transunion, XXXX, and XXXX. I pulled my free annual credit reports and they were all high. However, when I went to get a car loan the reports they claimed they saw from transunion was not as high, and I did not qualify for the 0 % interest loan that I should have. The lender says the free reports we get from the credit bureaus are not the same reports they have access to. This means all XXXX credit bureaus are in violation of providing accurate free credit reports to consumers yearly. They are providing different reports, they are not providing accurate information. This cost me money and the government needs to hold them accountable.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charged Off XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1600.00} Collection
Product: Money transfer, virtual currency, or money service

Attempt collect for subscription I do not have. Return email is suspicious. Not related to vendor. XXXX with an extensive list if email addresses. I ignored and forwarded it to you.