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

I discovered an unauthorized and inaccurate collection account on my credit report from Equifax associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Equifax has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was denied credit for a car loan, due to negative items on my credit report. I discovered that XXXX XXXX XXXX was the reason for my denial. The most recent dispute I have with XXXX XXXX XXXX was submitted and sent via USPS certified mail to all 3 major credit bureau 's XXXX Transunion and XXXX  on XX/XX/XXXX see attached ( Ref. A ). My request was to update/delete the " Date Last Active, '' because it was reporting incorrectly across all credit agencies. Transunion - XX/XX/XXXX ; XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX. It obviously has been re-aged to continue to extend the statue of limitation. I asked for a careful analyst and to investigate the inaccurate information that is reporting in my credit report. I provided snapshot of my credit report side by side from my credit monitoring tool from XXXX  I would hope this would help them investigate. Within 30 days I did receive new reports and response letters from all 3 credit bureaus ( Ref. D, E, F ). However I did not receive the results I was looking for. They did not even investigate my request of " Date Last Active. '' They did not do their due diligence and investigate. I reviewed the reports ( Ref. D, E, F ) that they have sent me and the updates. After several analyst, I noticed obvious accounting mistakes that possibly should of not resulted in a repossession. I discovered new inaccuracies that I missed and could of never seen without having a full report. 1 ) XXXX/Transunion : is reporting REPO on XX/XX/XXXX - ( Ref. E, F ) XXXX : is reporting REPO on XX/XX/XXXX - ( Ref.D ) 2 ) Late payments reported XXXX & Transunion : XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX - ( Ref. E, F ) My leasing contract states that my payments are due every XX/XX/XXXX of each month ( Ref. C ) XX/XX/XXXX - Debited my account on XX/XX/XXXX - I was not 30 days late ( Ref. G ) XX/XX/XXXX - Debited my account on XX/XX/XXXX - I was not 30 days late also have XXXX XXXX receipt that reflects paid on XX/XX/XXXX and paid 2x of monthly requirement. ( Ref. H, L ) XX/XX/XXXX - How can I be 90 days late if I paid XX/XX/XXXX through XX/XX/XXXX? XX/XX/XXXXXX/XX/XXXX - I was not 60 days late ( Ref. I ) XXXX - Debited my account on XX/XX/XXXX & XX/XX/XXXX for 2x payments ( Ref. J, K ) 3 ) As of today my XXXX  XXXX Credit Report on XX/XX/XXXX : My report is showing more inaccuracies than when I disputed in XX/XX/XXXX ( Ref. B ) >High Credit : Transunion/ XXXX  XXXX {$12000.00} XXXX XXXX {$3900.00} >Past Due : There is a PAST DUE balance, when account has been CHARGED OFF >Date Last Active : T- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX The inability for XXXX  XXXX XXXX  to accurately do their due diligence to accurately report correct verifiable has resulted in a lot of headaches and emotional stress. I can not get approved for a car loan because of this account.
Product: Money transfer, virtual currency, or money service

My Aunt 's pension was held by XXXX XXXX. I sent the requested original Death certificate and Revocable Trust Documents of XXXX XXXX XXXX on XX/XX/XXXX to : XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX It was received XX/XX/XXXX. By XX/XX/XXXX, Bank of America/Merrill Lynch was to facilitate. I was instructed ML  Benefits would call. That didn't happen. I called them XX/XX/XXXX. My last ( tenth ) call was XX/XX/XXXX. I have never gotten past the call center. I did talk to a supervisor and he followed up with nothing new. The only insight I received was ML Benefits says they never got what they needed from XXXX. We all agree on the XXXX  XXXX  day as the transition day. 
To this day the only way to get through the phone menu is to use my Aunt 's SSN and her birthday. The call center people aren't given the tools to move things along. I'm constantly asking to talk to a Case Manager. My last service request files was XXXX filed with XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I see inquiries on my credit reports that I did not authorize from XXXX XXXX XXXX from XXXX.
Product: Checking or savings account

I have $ 10k in a savings account at Affirm. 
On XX/XX/2021 I saw a " confirm this is you '' email that was generated at XXXX. Since I didn't ask to be confirmed, I told Affirm about it the morning of XX/XX/XXXX. 
They responded at XXXX, " Hello XXXX XXXX Thank you for taking the time to speak with me regarding your claim. I apologize there may have been an unauthorized activity made in your name with Affirm. We take this very seriously and rest assured, I have already sent your information to the appropriate department to review your claim. I appreciate your patience and ask that you please allow 3-5 business days for the team to follow up on the email address you provided regarding the outcome of their investigation. If you need anything in the meantime, please do not hesitate to reach out. 

If you have any questions or concerns, contact us through the Affirm Help Center at affirm.com/help or call us at XXXX between the hours of XXXX XXXX XXXX XXXX XXXX CST seven days a week. 

Sincerely, XXXX XXXX. 
Affirm Help Center helpcenter.affirm.com ref : XXXX : ref '' Then I received an email on XX/XX/XXXX at XXXX, " Hello XXXX, Thank you for reaching out to Affirm. 

I see you were in contact with us regarding an unauthorized activity. I understand how concerning it would be to discover an unauthorized account may have been created with Affirm. I am more than happy to provide you with further assistance. 

Thank you for your patience as we investigated this matter on your behalf. We have placed restrictions on the Affirm account from obtaining any future loans. Rest assured, there were no existing loans on the account and there will be no impact to your credit. 

We apologize for any inconvenience this may have caused you. If you have any additional questions or concerns, please contact us through the Affirm Help Center at https : //affirm.com/help or call us at XXXX between the hours oXXXX XXXX XXXX XXXX XXXX XXXX CT, seven days a week. Thank you and have a wonderful day! 

Sincerely, XXXX XXXX. 
Affirm Help Center helpcenter.affirm.com ref : XXXX : ref '' I didn't hear from them again. On XX/XX/XXXX at XXXX I tried to sign in to my account and retrieve some of MY cash. 
I was denied entry and asked to call to confirm it is me. It said the account is frozen. 
I did call immediately. I verified with them that this is really me. I was told that they would get back to me in 3-5 business days. 
Meanwhile, I can not access my money. And I don't believe that I will hear from them.
Product: Debt collection

According to court records the company sued me for a judgement in XXXX. In XXXX I was diagnosed with XXXX and subsequently moved with a relative for supportive care. They sent summons to an old address that was returned to the court undeliverable. 

I filed for XXXX XXXX  bankruptcy in XXXX. During court preceedings to garnish my wages, they were notified I filed for bankruptcy. The garnishment order was stopped in XXXX. 

I bought my first home in XXXX. While trying to refinance my home in XXXX XXXX I was informed a lien was on my title. I then began to reach out to the company because this debt was discharged in the bankruptcy. I have received no response from the company.
Product: Debt collection

THIS IS WRITTEN NOTICE TO AFNI THAT YOUR CLAIM HAS BEEN DISPUTED UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ). I HAVE THE RIGHT TO DISPUTE ANY INACCURATE INFORMATION THAT IS BEING REPORTED IN MY CREDIT FILE. I HAVE REQUESTED SEVERAL TIMES FOR PROOF THAT I HAVE A LEGAL OBLIGATION TO PAY YOU AFNI. THIS ALLEGED ACCOUNT HAS BEEN ILLEGALLY DISPLAYED ON MY CREDIT REPORTS ( XXXX, XXXX, AND TRANSUNION ), AND IF VERIFICATION CAN NOT BE MADE WITHIN THE 30 DAY TIME FRAME ALLOWED TO AFNI BY LAW. THE DISPUTED ITEM LISTED IN MY DISPUTE MUST NOW BE COMPLETELY REMOVED FROM MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). 
AS AFNI IS NO DOUBT AWARE THAT THEY HAVE EXCEEDED THE 30 DAY TIME FRAME ALLOWED TO THEM BY LAW. 

THE LAW REQUIRES COMPLIANCE WITH THE TERMS AND CONDITIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WITHIN 30 DAYS OR COMPLETE WITHDRAWAL IN WRITING OF ANY CLAIM. AFNI HAS FAILED TO REMOVE THIS INACCURATE ACCOUNT INFORMATION, AND THIS UNVERIFIED INVALIDATED INFORMATION SHOULD NO LONGER BE ASSOCIATED WITH MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). 

I WOULD NOW LIKE TO KNOW WHAT ENTITY CAN INFORCE FINES AND FEES AGAINST AFNI FOR A DIRECT VIOLATION OF THE LAWS?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX are reporting a collection with an incorrect balance of {$9000.00}. The high credit, balance and past due amount are all incorrect. I bought a car from XXXX and voluntarily turned this car in and it was sold at auction. I was told that I would be responsible for the remaining amount AFTER the auction price was deducted. XXXX XXXX XXXX now owns this debt and they will not give me an itemized statement showing what the balance should be. In addition, the date of last activity is far older than the 2014 date. This {$9000.00} collection is harming my score and keeping me from improving my credit. Please remove this from my report or update the correct balance. In Texas the laws are : Deficiencies In the event a car owner voluntarily returns the car to the lender, the lender is still entitled to file a lawsuit to collect any deficiencies that may result from the repossession. A deficiency is the difference between the amount the car owner owes on the car and the total amount the car actually sells for at auction. Lenders who sue car owner 's for a deficient balance after a voluntary repossession may also collect other fees associated with the repossession of the vehicle such as sale preparation costs and legal fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX  : # XXXX 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 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 customer to any customer 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 Discover XXXX XXXX account on XX/XX/year>. I was told to fund the account to ensure it stays open. 
I funded the account on on the same day as opening the account with my XXXX XXXX. 
I was told that the deposit was posted to XX/XX/year>. I finally got my debit card in the mail on XX/XX/year>. I tried to activate my card but I was told due to fraudulent activity on my account ; it set to close it 15 days. All I was trying to due was fund my account. 
No fraud was committed. It was a brand new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I called transition and XXXX to take off hard inquiry 's off my report from XXXX XXXX 2016 I went for XXXX car loan now I have XXXX inquiries on my credit report I gave no authorization for this and I want them off of my credit report
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureau is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the account that needs to be removed from my file : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX I XXXX Balance Owed : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XX/XX/XXXX XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XXXX/XXXX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE, DAMAGING TO MY CHARACTER, and also fraudulent. To date, I have not received results of the requested re-investigation. In my previous request, I listed my reasons for disputing the information. Those reasons included making sure that the information being furnished was accurate. Neither credit reporting agency has been able to prove accuracy and completeness of their reporting on my personal credit reports. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Please see my reasons for dispute below : Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : CXXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX All the listed accounts are in violation of my consumer rights with regards to my consumers right to privacy. This harmful public information is placing my life and the lives of my family in danger. Please remove these negative, harmful and fraudulent accounts from my report. I just want to live free as God intended. Violations so far- 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I also understand that you are required to notify me of your results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. FDCPA section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 4. 15 U.S. Code 1692g Validation of debt XXXX XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 5. FDCPA section 807 Violation Misleading False Reporting XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 6. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX XXXX Is our website address URL
Product: Mortgage

I made XXXX mortgage payment electronically from my XXXX XXXX account to Homebridge financial on XX/XX/XXXX and XX/XX/XXXX. The mortgage company only credited my account for 1 payment. I have been followed up on this matter a few days but the company kept giving me a runaround and neither credit my account nor refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is additional information to the below complaint against XXXX. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Even though XXXX is at fault, why do the credit bureaus ( transunion / XXXX  ) get away with such absolute and concrete thinking. These credit bureaus need to be had accountable for lowering credit scores without any thought behind it. I have never missed any payment for anything. They know this and still lower my credit score without investigating. Hold them accountable as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items on my XXXX, Equifax, and XXXX  credit reports that were reporting inaccurately on XX/XX/2020. I didn't hear back from the 3 bureaus, so on XX/XX/2020. I sent them another later asking them to comply, notify me of my their investigation, and reminded them of the items that I was referring to. I have yet to hear back from them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report. This situation has caused me a great deal of stress, especially as I am already facing personal challenges. The following items are incorrect and are negatively impacting my credit score, making it even harder for me to move forward : Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly reporting negative payment history on my credit report. As an authorized user, I am not responsible for the balance incurred by the primary cardholder or for any missed payments on this account. This situation has been especially stressful for me during a challenging time, and I kindly ask that this error be corrected as soon as possible. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Reason : I am deeply concerned about this account, as I have never had a contract with this debt collector for any debt. This situation has been overwhelming during an already difficult time in my life. I kindly ask that you provide proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect it. If you can not provide this proof, I respectfully request that you delete this account from my record. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am going through a difficult time, and I am disputing the missed and late payments reported on this account. Please provide detailed statements and records of all payments made and missed since I opened this account, as I need to understand what went wrong. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am deeply concerned about this account, as I have never had a contract with this debt collector for any debt. This situation has been overwhelming during an already difficult time in my life. I kindly ask that you provide proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect it. If you can not provide this proof, I respectfully request that you delete this account from my record. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : I am going through a difficult time, and I am disputing the missed and late payments reported on this account. Please provide detailed statements and records of all payments made and missed since I opened this account, as I need to understand what went wrong. 

INQUIRIES : TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. Despite my efforts in contacting the credit reporting agency and the data furnisher, the issue remains unresolved. I have attached supporting documentation, including screenshots of my credit report, highlighting the inaccurate information and supporting my claim. Please investigate this matter promptly and update my credit report to reflect accurate and truthful information.
Product: Debt collection

On XX/XX/2021, I had an appointment at an apartment complex here in XXXX, to view an apartment for my Mother. I was greeted by the receptionist and she asked me to spell my last name. Unbelievable, she then showed me a piece of mail that had MY NAME with a valid address at their complex! I had never lived there before and they had planned to " return to sender '' this piece of mail. So, since it was in my name, I decided to open it. It was a " Settlement Offer '' from a company called EOS CCA out of XXXX, MA. Their Client Name listed is XXXX XXXX. I called XXXX XXXX  since I was a former customer of theirs and verified I owed them no money! This is 100 % fraud!
Product: Debt collection

calling and hanging up calling no less than 3 times a day up to 6 times calling after they have been informed of a date i plan to pay the debt. 
i paid a debt off on XXXX XXXX the last payment being XXXX they insist i missed the XXXX paymemt in XXXX of 2014. 
also calling.multiple times back to back