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

I am formally writing this complaint because my credit report is being damaged by the company XXXX XXXX XXXX. I have disputed with XXXX XXXX XXXX regarding inaccurate information that they have furnished with the consumer reporting agencies for the past 2 months to no avail. They did not correct the inaccuracies I provided them in my letters along with copies of supporting documents and they were given multiple chances to do so. As a result of their consistent failure, I requested to XXXX XXXX for the account to be removed for both EQUIFAX and XXXX and told them that they would be liable for reporting misinformation, but they ignored my request to do so and still will not let up regarding the fact that they were wrong and had failed to correct and update the info that they had furnished with the CRAs. I provided documentation showing that there are bonified inaccuracies and that the account information in my consumer disclosure reports did not match up. Specifically, regarding the late payment dates showing in the payment history. " XXXX, XXXX ''. I have attached 2 consumer disclosure reports and a credit report from a 3rd party company which are all showing inaccurate info reported from XXXX XXXX XXXX. The Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( b ) states ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX XXXX XXXX has not been complying by this law. It is not fair, and it is abusive and damaging to my reputation and credit worthiness. Furnishers must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e ). XXXX XXXX XXXX is still reporting inaccurate information to the consumer reporting agencies. I am filing in request for remedy regarding this matter. Please see the evidence provided once more.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX 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.
Product: Credit reporting

XXXX ( XXXX ) put myself in collections for failing to repay a {$510.00} advance paid to me in XXXX. I submitted the dispute to XXXX during the XX/XX/XXXX and upon their investigation, my supervisor crossed my information out of a customer 's application, so they said they would erase the paper trail. 
Fast forward 4 years and I still find their collection attorney firm, XXXX XXXX and XXXX on my credit report. I mail a letter to both parties demanding removal and ask for fair compensation as my credit score increased by approximately XXXX points once XXXX XXXX removed the adverse account and I was turned down for financing during the time XXXX XXXX was on my credit report between XXXX and this year XXXX. 
XXXX 's says they requested XXXX XXXX remove themselves from my credit report at the time and that XXXX XXXX failed to do so. I have seen no proof of this and XXXX 's believes they are not liable for any violation of my consumer credit rights since XXXX in which I fundamentally disagree. They now continue to ignore correspondence requesting for fair compensation.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX and Experian credit reporting agencies, block information appearing on my consumer credit reports that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX, and a auto loan account opened at XXXX XXXX XXXX. These accounts have resulted in several fraudulent reports and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

We financed a XXXX XXXX XXXX XXXX  with LendMark Financial. They hurried through the loan documents, claiming they were leaving early, or fixing to close.

They had us to review the documents by way of an XXXX which was hard to see.

And they rushed us through the signing process. They also put that XXXX income

is more than what she actually gets per month, I guess so they could get the loan to go through, They claimed we could refinance the loan with another company at a lower interest rate. Or that they could refinance at a lower rate. They knew that nobody would refinance this truck because it's
more than XXXX old. 
This is predatory lending at it's best, they send us a check for {$5000.00}, I had to pay {$1600.00} out of pocket because LendMark wouldn't loan more than {$5300.00} They also failed to tell us our first payment would be more for whatever reason. And they failed to tell us they would be charging a {$2.00} junk fee per month just to make a payment. Another issue the interest rate is 29.72 % but when I log into my account on the dashboard it states 29.29 %.? A while back they told us oh we can refinance your truck and get cash back, then they called and said
Corp said you must be a customer for at least XXXX before refinancing. 

Then they called back and said we can refinance without cash back, we said ok, then they called back and said no Corp said you must be a customer for at least XXXX. 

And the several months they didn't add any of my loan payment toward principle just to interest only
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 EXETER FINANCE LLC has violated my rights. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXX Balance : {$190.00} ; XXXX XXXX XXXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXX  XXXXX Balance : {$1700.00}.
Product: Credit reporting

Equifax is in violation of the FCRA by not giving my case a fair investigation. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all fradulent accounts. XXXX XXXX XXXX claims the account has an address in XXXX Virginia, that it was closed out with my wife 's maiden name on it 2 years after we were married, and has also claimed that they filled a XXXX with the IRS stating that it has been claimed as miscellaneous income and therefore the debt can not even be collected since it was declared as income. XXXX XXXX XXXX had a settlement agreement with me stating that the debt can never be collected upon as well as being fradulent and XXXX XXXX has never provided me with the results of their investigation. All XXXX of these accounts are fradulent and were opened by an identity thief. Neither of these banks has ever provided me with a contract and Virginia law states that with no contract produced, these companies have 3 years to collect and it has passed 3 years. I have provided proof of everything I have written to Equifax who refuses to investigate and says that my name, SSN, birthdate, and address are correct according to these companies, of course they are going to say that, they want money and do n't care who gives it to them. Equifax is in violation of the FCRA, judges have found in favor of plaintiffs against Equifax many of times stating that the only information Equifax requires for a report is not in compliance with the FCRA since that information was used to open the accounts. If Equifax wants to part with money then I will take it, but I will be able to show a judge that I tried in good faith to keep this out of court. Equifax has until XXXX XXXX to remove the fradulent information or my lawyer will file the paperwork with the court to begin a lawsuit. I will not settle, so this gets fixed now or infront of a judge. If you want a copy of the XXXX, ask your buddy XXXX XXXX XXXX to provide it as they claim to have written it up and I never received it. I also do n't care what these accounts are reported as, they are hurting my credit and are fradulent. If XXXX XXXX XXXX and XXXX XXXX XXXX are not active collection accounts then why are they actively trying to get me to pay these accounts back, that seems like a collection account to me. 6 days until my lawyer files a lawsuit, I am not playing. I also want to point out for the record that your last response did not state any address as being reported as mine, are you trying to hide something?
Product: Debt collection

I received a call from American Accounts and Adviosrs from phone number XXXX on XXXX/XXXX/2016. The man/woman i spoke to asked to speak to my first and last name, i acknowledged that was me, they preceded to state the bill I owed and asked if I had means ro pay it today. I said no, my husband was in a XXXX and we have many bills. They then made what I considered a very rude comment, so nobody is getting paid? That is not what I said, they got irritated when I questioned their demeanor. I then stayed I work in XXXX and they should verify more than my name and should state the mini Miranda. The person I spoke to was rude and accusing, I was not dealing with them and advised I would be reporting them and ended the call. I always pay my bills, it may not be timely for some but I always make good on my accounts and do n't appreciate someone teying to down grade me. Even if I had the money today, I would not have paid that person ( not even sure if the disclosed their name ). Unfortunately these are the people that give XXXX a bad name, working XXXX for the last 12 years of my career find it very rude.
Product: Credit reporting or other personal consumer reports

This is my other 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 items 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was thinking about buying truck from XXXX XXXX XXXX in XXXX, ohio. A few weeks ago. XXXX advertised they were offering 0 % Interest on new vehicle purchase so I decided to apply to XXXX XXXX only. They sent my approved application to XXXX XXXX XXXX. I called the sales rep to see what the status of the app was and he said I was approved at like 6 %. I said what happened with the 0 % that XXXX is offering and he said he would look into it. The following week I called him back to see what was the status of the XXXX XXXX application and he said he was still working on it. A few hours later a receive a call from XXXX XXXX trying to talk to me about the auto loan. I told them that I never authorized any one to run my credit with XXXX XXXXXXXX. I then called the sales guy from XXXX XXXX to ask why he ran my credit with XXXX XXXX and he said when I applied for the auto loan with XXXX XXXX I was also authorizing them ( XXXX   XXXX ) to run my credit with other banks. I told them that never authorized that and not to run my credit any more. He was able to the me a lower rate at 3.34 % but I was really looking for 0 % that XXXX was advertising. I still accepted the offer but now I'm receiving several letter from a bunch of different banks saying that I was denied for a auto loan that I never applied for.
Product: Checking or savings account

I recently opened a high yield savings account with XXXXXXXX XXXX. XXXX month later, they froze my account without ever contacting me or providing an explanation why after calling them several times. They have held my money hostage. 

On XX/XX/XXXX, I paid my mortgage, condo fees and made transfers to a vanguard account and another bank checking account from my XXXXXXXX XXXX high yield savings account. 

On XX/XX/XXXX, Bask bank froze my account without ever contacting me. I noticed since I happened to try and login into their account. I called customer rep and was told my account was frozen due to an investigation. Was never told why, how long it would take. I was lied that I would get an email from their dept that handles such investigations and never did. 

On XX/XX/2013, Bask bank requested money back from every account I paid a bill or made a transfer to on XX/XX/XXXX. 11-12 days later. I am now delinquent on those bills, have late fees and still need to pay those XX/XX/XXXX payments again. With funds that I don't have since XXXX has take all my savings and frozen them. 

This is the worst company I ever dealt with. Stay away at all costs, I don't know how they can take someones money hostage, request 12 days later money back from paid bills and still be in business.
Product: Debt collection

I started service with XXXX in XXXX of XXXX and by XXXX they were already overcharging and services were not working so I canceled the internet and resumed service with the home security. They continued to overcharge and services were still not working properly so I told them if they did not correct the bill and fix the service issues I would not be moving forward. They did not do either so I requested the services to be disconnected. They instead disconnected for non-payment and then billed me for equipment charges and service charges ( although the services were not working and there are daily chat transcripts showing this ). I noticed today that there was a collection account on my credit report asking for the service charges and for equipment charges and the company has had the equipment in their possession. I was told by a customer service representative that the {$500.00} in installation charges for the security equipment are considered early termination fees and that I still have to pay for the equipment although the equipment has been returned to them. He also stated I signed this in the contract when service was started on XX/XX/XXXX and when the service was changed on XX/XX/XXXX. I read the agreement and nothing in there states that I have an ETF of any sort if the service is disconnected nor does it state that I am liable for continued equipment charges. I asked to speak with a manager or their legal team to discuss the contract that I signed and I was placed on hold for over 30 mins and no one has yet to come back to the line. I am actually typing this complaint as I sit on hold for the representative. They have now disconnected the line. I dialed in at XXXX XXXX eastern today XX/XX/XXXX, and the total call was for 41 mins.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all XXXX XXXX  INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score
Product: Credit reporting, credit repair services, or other personal consumer reports

Experians dispute results : Report Number XXXX, on XXXX verified and validated that the day of first delinquency was XX/XX/XXXX for my XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Equifax XXXX FILE : XX/XX/XXXX Confirmation # XXXX, verified and validated that my XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX re-aging the account by reporting the incorrect date of first delinquency. 

Now XXXX years later they have move up the day of first delinquency to XX/XX/XXXX. This is incorrect information and both credit reporting agencies and XXXX XXXX Bank refused to investigate properly and correct the erroneous information.
Product: Debt collection

We have XXXX accounts with synchrony bank. XXXX for XXXX bed which was returned and payments have been made on time. The bed was in my Wife 's name yet the company called and discussed the debt with me in violation of my Wife 's request. They called 10 times in 4 days to collect on a supposed debt that was up to date. Even after requesting that the company ( synchrony ) stop calling us, they continued. I purchased a tool from XXXX last month, and even before I received the first bill, I received XXXX phone calls from synchrony in one day. The first call was at XXXX XXXX and the last was at XXXX XXXX. After the first call I asked them to stop calling my house, Yet I received four more calls after the request was made. I am a XXXX Veteran who is home bound and I get physically ill when I receive phone calls such as those from synchrony bank. ( tel # XXXX XXXX ) was the number that I was called from. Please help me stop the harassment by this company. The debt collectors are harassing me with no cause. Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

Requested Address Correction and XXXX XXXX removed. Sent Address Affidavit 2 times
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has an account on there that should have been removed. It has been over 7 years and they have not removed this account. Also, there is a credit account that is missing. I have an account with my wife ( XXXX XXXX ) and XXXX chooses not to list this account. The first account has two charge offs for one account and ( XXXX  ), this does not make any sense to have two charge offs on one account. This is affecting my financial life in this crisis. They have reduced my credit score by 100 points and when I try to resolve they did not.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : AVANTE USA Date reported : XX/XX/XXXX In Accordance with the Fair Credit Reporting Act XXXX  Account 'AVANTE USA ' has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX  XXXXDate Opened : XX/XX/2017 Balance : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Im a victim of of identity theft I noticed theres an fraudulent close auto accident from XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/XXXX for the sum of {$11000.00} thats in collections that I did not open, along with 9 inquiries listed on my credit report that I did not authorized. My personal information was leaked in the XXXX XXXX data breach. In accordance with the Fair Credit Reporting Act my rights have been violated. 
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 conse
Product: Credit reporting or other personal consumer reports

These late payments do not reflect my usual payment pattern.
Product: Debt collection

I don't know why I must spend so many countless hours trying to get GC Services to repsond to my authroized represenatives letter ( s ). GC Services will not stop calling me even after I asked them stop calling on my cellular telephone. 

PLEASE CONTACT XXXX XXXX XXXX XXXX ( XXXX ) XXXX