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

I was looking at my credit report with Experian and after scrolling through there web access I finally got to the personal information section and saw over twenty addresses and some of the address belonged to actual company 's. On XX/XX/21 I notified Experian by certified postal mail that the address were not mine I enclosed a copy of my identification a current utility bill with my address where I live and I have lived here for some years I also included my ss #. I have not heard from them so on XX/XX/21 I repeated the process now im filing a complaint becuase i now know this reporting of wrong information on my credit file is deliberate in each letter i asked them to remove all the address and phone numbers except the phone number and address I provided. They have not and refuse to comply and went as far as to tell me to contact the cfpb and file a complaint as it is my lawful right to do so, so i am.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine and was established fraudulently. This information was provided to the original creditor. A police report was filed, and this matter was previously disputed. The account was previously removed, however for some reason, they keep reporting this inaccurately to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Experian is the only agency that is reporting an inaccuracy on the following account number # XXXX. Pursuant to the fair credit reporting act, to be more specific, 15 U.S. Code 1681e, it states that consumer reporting agencies must maintain maximum possible accuracy, however Experian is in violation as they are the only agency reporting inaccurately. Attached is the exhibit.
Product: Debt collection

see attacked letter of issues and problems sent to threes different collection agency. 
each collection agency and XXXX don '' t address the problem when recieving the letter. 
they pass to another collection agency and nothing get resolved. I 'm a XXXX year old Senior XXXX XXXX who took my time out of my busy schedule to write this letter explaining in details and problems I had w the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 

FOR EXPERIAN XXXX XXXX XXXX, XXXX {$220.00} XXXX XXXX XXXXXXXX XXXX, XXXX {$4100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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 has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had a XXXX account in XXXX XXXX XXXX. I paid my account in full and did one extra payment just in case I was in between billing cycles. I had an overpayment of {$22.00} which sat in synchrony banking system, who is a part of XXXX for approximately four months and a zero balance with XXXX after I paid my account off in XX/XX/year>. XXXX months I paid off my account with XXXX, synchrony cut me a check for the overpayment of {$22.00}. 
Two weeks ago I received an email from Resurgent a debt collector stating that I owed {$56.00} to XXXX. I called XXXX spoke with Customer Service, went through their billing department. Talk to a supervisor and was told that my balance did not reflect the same as my installments, and there was XXXX more installment due. I dont see how that makes sense when your balance is broken down into installments, I have all the documents necessary to prove that this was paid in full, which I sent to QVCs billing department. XXXX have redirected me to XXXX saying that an installment ( {$56.00} ) was missed and I need to pay it. I do not owe them, and I am concerned that the company Resurgent has incorrect information from XXXX. Neither XXXX or XXXX are willing to accept my documentations of the check stub from the check that was paid in full from a title company on my behalf, copies of my account with XXXX dated after XX/XX/year> with a XXXX balance and a copy of my overpayment with synchrony in the amount of the {$22.00} as proof that there records are not correct. I also have a XXXX balance with synchrony on my XXXX account. I would appreciate any help you can give on this matter. Best regards, XXXX XXXX
Product: Vehicle loan or lease

14 months ago I took out a auto loan with a company called first investors financial services this was considered a refinance loan and the payments were just under {$250.00} a month for 72 months and now after 14 months of successful payments I get a letter in the mail from the first investors financial services telling me that my current deductibles on my progressive car insurance needed to be brought down from {$2000.00} deductible to {$1000.00} and of course when I changed my policy in order to be in compliance with the finance company this drove my previous car insurance payment of XXXX change to now {$180.00} to start followed by payments of {$150.00} a month now as a consumer I am a senior citizen I am XXXX and I am drawing social security and therefore I live month to month on a fixed income if first investors can not provide me with some type of amendment that is legal in court stating that they have the right to demand that I change my deductible on my car insurance then this will be considered fraud on their part as well as breach of contract
Product: Credit card or prepaid card

I tired making a jewelry purchase in XXXX. The merchant told me my card was denied and I left the store with nothing. When I came home, there were two charges from this store. I filed a dispute. XXXX XXXX XXXX is denying my dispute for the following reasons : - We're unable to issue credit to your account without a credit slip for the disputed amount ( s ). 
Please contact the merchant to obtain a valid credit slip. It must include the dollar amount to be credited, the date of the credit, your account number, and the merchant 's name. If you're able to obtain a valid credit slip, the merchant has 15 days from the date it was issued, to apply credit to your account. If the credit isn't received within 15 days, please send a copy of the credit slip to us so we may determine if we can assist you further. 
- We didn't receive documentation showing that the merchandise was to be shipped. 

1 ) I was told it was declined. I randomly choose a gold shop on a street of many gold shops in XXXX. I do not speak XXXX, I had a translator with me. The shops have no websites. How can I provide something like this? Again, I left with no merchandise. 

2 ) I don't understand this. Nothing would have been shipped even if I would have successfully left with something. 

3 ) I can't provide receipts for something that I was told was declined.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account with XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX on my credit reports from XXXX, XXXX, and Equifax. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that this account is not mine. 

Details of the Dispute : Account Type : Installment ( Secured loan ) Date Opened : XX/XX/year> Balance : {$0.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete ( 15 U.S.C. 1681i ). The FCRA requires credit reporting agencies to conduct a reasonable investigation into disputed information ( 15 U.S.C. 1681s-2 ).

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of false information related to a debt ( 15 U.S.C. 1692e ). Since this account does not belong to me, it is a violation of the FDCPA to report it on my credit file. 

Furthermore, according to the Identity Theft and XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have the right to report instances of identity theft. If this account was opened fraudulently, it is essential that it is removed from my credit report. 

Requested Actions I kindly request that you investigate this matter thoroughly and provide documentation proving that this account belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FCRA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a " package '' from XXXX, meal service delivery company, 60 days of meals ( 3 meals/2 snacks/day ) to be ordered at my convenience. A charge of {$1500.00} was made to my Amex card, I never ordered and did not receive any meals. In XXXX of XXXX, 21 unauthorized {$1500.00} charges totaling {$31000.00}. 00 were fraudulently charged to my account. 
XXXXXXXX XXXX owner, XXXX XXXX, through phone calls/text messages/emails, assured me full refund. However, he lied about refunding the money, stating he was sending certified check, a driver delivering check, XXXX refunding and more. Delaying, blatantly lying and scamming. 
I contacted AmEx. AmEx mismanaged claim, no resolution over a year ( total of {$6700.00} interest has accrued to date ). 
XXXX has history of engaging in similar fraudulent activities with others, including patients. 

I implored the XXXX XXXX XXXX to both demand American Express conduct a thorough investigation and facilitate a prompt resolution of my claims. Attachments : transaction receipts, communication records with XXXX XXXX 1. that these charges were unauthorized 2. that I did not use this service, and 3XXXX his admittance that the money should be refunded. 
4. Detailed communication with Amex substantiating that XXXX was a bad actor, committing fraud and they did not act in a timely manner. 
I am making a claim both against XXXX XXXX XXXX, owner of XXXX and American Express for the mismanagement, not abiding by the contract to cover fraudulent payments and not removing charges and interest promptly. 
While I have a platinum card and a longstanding Amex cardholder, who pays in full monthly for over 20 plus years. Amex has not been helpful, and, in fact, I believe they have been negligent allowing so much time that the company folded in spite of the numerous efforts and documentation we provided them and despite the fact that there are several other substantial claims against this company and owner.
Product: Credit card

I have a scam letter its not a real capital one letter. I do not have the credit card mentioned and its not the capital one phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months back I tried applying for a home through a FHA program and was denied. I pulled my consumer report and noticed I had inquires that were not authorized by me or from me. The inquires are as follows ... Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ). I tried disputing with Equifax and was told to contact the creditor. I got no results from the creditor and tried having Equifax reinvestigate my dispute and they told me to file a CFPB report and or police report and a FTC report and send it in. It is XX/XX/XXXX and ive yet to receive the satisfaction of my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, When I checked my report I found inquiries that I did not recognize absolutely. I did not give any companies any permission. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please remove them. 

Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXXXXXX XXXX ) Balance : {$10000.00} XXXX XXXX XX/XX/2023.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX  # XXXX, Account name : DPT EDXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

I reviewed my credit report and found the Collection Bureau of America reported a collection to my XXXX credit report on behalf of the University Of The XXXXXXXX without properly notifying me at first. I requested validation and received a letter and a statement. They did not give me all of the information as required by federal law. I explained to the University of the XXXX many times that this debt should have been filed as an insurance claim through XXXX XXXX. I had insurance. I contacted XXXX XXXX and they informed me they never received a claim from this organization. I never received any letters as an attempt to collect a debt from the The Collection Bureau of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX  Balance : {$2100.00} XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX PRIMO ) XXXX  Balance : {$400.00} XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA 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

This is a follow up to a previous complaint ( # XXXX ) that was opened, which the company made false and inaccurate statements in their response that now need to be resolved. Please see the previous complaint if additional context is needed. 

On XX/XX/XXXX, XXXX responded to complaint # XXXX, with several untruthful comments regarding previous communication from XXXX representatives. In their response, they wrote such things as " The email noted that this could take a minimum of 30 days to be reflected on XXXX XXXX 's credit report '' when in reality the email they are speaking of states " Please allow 3-5 days for this to update on your Experian Credit Report. '' They did however the next day in a new message make a different statement claiming to need 30 days to resolve the false reporting to the credit bureau. It has now been 30 days and they still have not removed the false information they knowingly reported to the CRA. 

Also in their response dated XX/XX/XXXX, the representative stated " At this time, XXXX would also like to confirm with XXXX XXXX the tradeline is in the process of being removed from his Experian report. '' This statement is a blatant lie, since the very next day ( XX/XX/XXXX ) they responded to the disputed I initiated with Experian validating the account including its status and balance as accurate. I have since made several attempts to contact XXXX which went unanswered, so today I attempted to reach someone over the phone. When I got through I asked to be transferred to a supervisor and spoke with XXXX and later with XXXX. Both bluntly acknowledge the company had lied in their response, as well as each and every time they committed to removing the trader line from my CR. They then told me that there was nothing else anyone was planning to do and that I just needed to live with the negative information on my CR. I was left astounded by XXXX 's arrogant, " we're above the law '' attitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : exercised right to rescind the contract due to XXXX XXXX fraud. as evidenced on the records, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories XXXX XXXX aided and abetted, in disregard to the laws, XXXX XXXX has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, XXXX, and EXPERIAN, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.
Product: Mortgage

I am refinancing my loan with Newrez, they said the loan process should take about XXXX  days, but they are almost at the XXXX day mark. I have been conditionally approved for XXXX  months now, I have signed paper work that said the loan would be done on XX/XX/21. I have tried to contact multiple people from the company including their team leader, which I assume is management. No one is calling or emailing me back and on my loan page they keep changing the estimated closing date, without out notifying me for a reason or that they are doing it. They have changed the estimated closing date XXXX times already.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and these accounts were reported showing I owe a debt. After requesting a debt validation and proof the the HIPPA Release form with my signature and a breakdown of the charges from the orginal credit and XXXX XXXX. They were not able to provide me with those documents. 

I am allowed under the HIPPA Law ( Health Portability and Accountability Act of 1996 ) to protect my privacy and medical records. I do not recall permitting them to release my medical information to a third party. 

I believe that this company violates the FDCPA for withholding the documentation requested of service in connection with the alleged debt. Please help me resolve this matter since they refuse to cooperate with my request. 

Account in disputed listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The collection agency properly can not verify this debt from XXXX XXXX XXXX after several validation requests yet it is still being placed on my credit report. I have written to the agency and the credit bureaus asking for removal. It has been more than 30 days since my request and they can not locate the information as requested and required by law. They never sent me a certified letter either as they claim and can not furnish proof by sending me the certified letter proof number. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. PORTFOLIO RECOVERY XXXX XXXX. XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Product: Debt collection

This company calls me daily everyday, several times a day. They have called and harassed my employer as well as family and friends. I've asked them to stop with the phone calls and send communications through mail only. They have refused to do so and continue to harass me. I would like it to stop immediately. No more phone calls!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised, stolen, and even could be found on the dark web. A research of my credit files that's being improperly reported by the XXXX major reporting agencies has disclosed these unauthorized fraudulent accounts, these accounts do not belong to me. I never once was in business with any of these creditors. Therefore, it is my responsibility to bring this to your attention and for you to remove such fraudulent accounts. The accounts are as following. 

1 ) XXXX XXXX  2 ) XXXX XXXX {$370.00} 3 ) XXXX XXXX XXXX {$320.00} 4 ) XXXX XXXX XXXX {$170.00} 5 ) XXXX XXXX XXXX {$340.00} 6 ) XXXX XXXX XXXX {$1200.00} 7 ) XXXX XXXX XXXX {$50.00} 8 ) XXXX XXXX XXXX {$150.00} 9 ) XXXX XXXX XXXX {$55.00} 10 ) XXXX XXXX XXXX {$200.00} 11 ) XXXX XXXX XXXX {$100.00} 12 ) XXXX {$20.00}