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

Subject : Dispute of Inaccurate Reporting on XXXX XXXX XXXX Accounts I am filing this complaint to dispute inaccurate credit reporting related to my accounts with XXXX XXXX XXXX . The details of the accounts are as follows : - Experian Account Number : XXXX ( Reported by XXXX XXXX XXXX ) - XXXX Account Number : XXXX ( Reported by XXXX XXXX ) I have taken the following actions to resolve this matter directly with the credit reporting agencies and the creditor : - I have submitted requests for validation of the debt and verification of the accuracy of the information being reported on these accounts. 
- Both Experian and XXXX continue to report inaccurate information regarding these accounts despite my efforts to dispute the data. 
- The information being reported by XXXX XXXX XXXX to both Experian and XXXX is inconsistent and appears to be incorrect. 

This inaccurate reporting has caused significant negative impacts on my credit score and overall creditworthiness. I am requesting the CFPBs assistance to ensure that XXXX XXXX XXXX and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and either provide proper validation of the accounts or remove them from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Transunion failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : 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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX   & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX  ACCT : XXXX XXXX : {$630.00} XXXX XXXX  XXXX ACCT : XXXX XXXX : {$4900.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$670.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$7700.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX You also have an address listed for me as : XXXX XXXX XXXX XXXX XXXX, SC XXXX This will be removed as this is NOT ACCURATE! You Have my information belonging to another state! 









I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX  and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

My wife and I signed a 2nd mortgage loan with CitiMorgage on XX/XX/XXXX for {$130000.00}. The loan was sold to XXXX XXXX as a first mortgage. 
Due to the US economical crisis I lost my employment in XX/XX/XXXX, stopped making payments and filed for bankruptcy in XX/XX/XXXX. The total amount of the 2nd mortgage debt was {$130000.00}, including late fees. 
In accordance with the bankruptcy documents there was only {$27000.00} available as a colateral for CitiMorgage. 
CitiMortgage charged off this debt on XX/XX/XXXX because the colateral was not enough for a 2nd mortgage foreclosure. The loan balance after that was XXXX and the loan was deleted. 
XXXX XXXX does not have any register of this loan. In accordance with the XXXX XXXX web site for loan look up, this loan does not exist. So I think it was discharged. 
My credit reports do not not mention any debt with CitiMorgage or XXXX XXXX. 

CitiMortgage has sent me a letter recently saying that my loan is in default and I have to pay {$49000.00} to stop a home foreclosure. 

I have called CitiMortgage to find out why they are collecting a loan that was discharged, but they do not give me any information. They say the loan investor was XXXX XXXX and I say XXXX XXXX   discharged that debt, so you are not able to collect a discharged debt. 

Please let me know if a home foreclosure is legal considering a no existing XXXX XXXX loan. 

I would appreciate if you could help me to solve this matter.
Product: Credit reporting or other personal consumer reports

The credit bureaus continue to report information that is incorrect on my credit report. I contacted each bureau to make them aware of the incorrect information and none of them have made any moves to correct the information. This is the ONLY derogatory account on my credit report, and it appears as if they would like to keep it on my account to keep my credit score from improving. 

I have detailed the incorrect information on the letter that I will be including in this report. I am aware that XXXX has been in litigation with you for this specific reason. I believe that their reporting of this account falls into the parameters of that suit. 

The phone number listed as the contact number for the account is the Credit Bureau Reporting Department not the lender who purchased it nor the actual company. I only included snippets from XXXX, but all three have incorrect information.
Product: Vehicle loan or lease

Company : America 's Car-Mart of XXXX MO XXXX Used car dealership ) Between XX/XX/XXXX to the end of XX/XX/XXXX. 
Vehicle ; XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Price : just under {$11000.00} My credit was impacted wrong by unlawful report by both Dealership and lender due to dealership falsifying documents once vehicle was returned. The report was filed as repossession when in fact it was returned by me. The XXXX was a XXXX XXXX and when i took it for inspection the mechanic was checking the back brakes and realized the vehicles emergency break was not working properly and the only thing that was keeping the car still was a collapsed wheel hub that broke when he took tire off. So the only thing that kept the brake working was having the rear passenger tire on the hub so it stayed intact. Once i found out i just had my newborn son and when i took it back all the dealership had to say was why didnt you just keep it in gear so the car doesn't move. Knowing they sold me a faulty car that requires a XXXX XXXX since it is a XXXX XXXX they shrugged it off and i returned the vehicle. It was not repossessed because i didn't own it for more than month so i wasn't due a payment yet. This has messed up my credit and no one seems to care that this dealership risked our lives for a sale. I did not even realize this was a impact until recently when i started looking into getting a home loan and realized i have multiple credit reports when i only ever owned one credit card.
Product: Debt collection

Dear XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item " MERCHANTS ACCEPTANCE CORP '' ( XXXX XXXX dispute ) is inaccurate because the contract became void. The Presidential package that was purchased from the company was never fully delivered, they delivered the vacuum but not the rest of the purchased items. It has been over 3 months since the purchase, I have tried contacting the company to return the vacuum that they delivered because I never received everything that was supposed to come with it, I was met with no response. I tried canceling it with MERCHANTS ACCEPTANCE CORP but they will not stop charging payments, now they are reporting missed payments because of this issue. I am requesting that the item be removed to correct the information. I can provide phone records showing me reaching out to the company as well as me trying to cancel payments. I have filed with the XXXX and my credit card company for disputing the charges. I have also contacted my attorney to make sure that what I was doing was correct. He had advised me that by law the contract becomes void if they ca n't provide the product. The company listed above will not return my phone calls after leaving multiple messages in regards to this product. 

Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # 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 acco
unt without my written instructions.
Product: Checking or savings account

I have a personal account with BB & T. BB & T sent me a letter which stated that Bb & T debited {$100.00} from my account for a check that was deposited previously. However, on going through the history of my account I did not find a single deposit of {$100.00}. The letter that was sent also had a copy of the check. But the copy of the check they sent did not have my name on it and neither was that check ever deposited in my account. It was somebody else 's check with their personal information in it which was shared with me. On inquiring about this issue with the local branch on XXXX XXXX, XXXX they said that this debit was made because of another check that was deposited in my account for {$98.00}. If the deposit amount was of {$98.00} then why was a debit of {$100.00}? On asking this question to the bank manager as well as the clerk I did not receive any satisfactory response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I was alerted by equifax XXXX and XXXX that a bankruptcy was on my credit report. So I wrote the credit bureaus twice requesting their method of verification and I received letter from each that are very confusing to me. I dont know how they verified as I wrote the Alabama US bankruptcy court and they stated that they do not berify such information. See attached letter. And it is my understanding after research that only courts can verify this type of information.
Product: Debt collection

REPORTING AN ACCOUNT THAT IS NOT MINE AND TRYING TO COLLECT AN DEBT THAT I DO NOT OWN.
Product: Debt collection

I received a call that addressed me by first name and stated that she needed to verify information for an application that I had submitted which I thought was odd and addressed me by my first name and repeated my last XXXX of my social once she verified that she stated it was to collect information for a debt which she was not upfront and tell me that in the first place, then she proceeded to inform me that she was calling from Dynamic Recovery for a debt they had placed in her office XXXX/XXXX/2015, I asked her for information as to the account and the debt, her information and company information and she proceeded to tell me I was not cooperating with her. I reminded her the conversation was being recorded and she then placed me on hold and I was in silence for several minutes forcing me to hang up because she did not respond to me.
Product: Credit reporting or other personal consumer reports

I sent dispute letters via Certified Mail to Experian, XXXX, and XXXX in XXXX of XXXX. However, I did not receive a timely response from either bureau regarding my inquiries. In addition, I received return receipts well beyond the time it took to receive them. It is possible my inquiry was ignored and I have yet to receive results from the disputes sent in XXXXXXXX XXXX XXXX XXXX I have waited an extensive amount of time for a response but none was given. I have receipts of the Certified Mail sent.
Product: Mortgage

Went to AAG for a reverse mortgage went through counseling {$150.00} and appraisal {$230.00} only to find out after that that I am in a flood zone less than 1 % and they do not lend on it I do not think I should have went that far and spent money I did not have only to find out it was for nothing XXXX XXXX was my contact
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with Equifax regarding fraudulent information on my credit report. Despite submitting a Federal Trade Commission ( FTC ) Identity Theft Report, which mandates that credit bureaus delete and block information resulting from identity theft, I continue to face significant challenges in having all erroneous items removed from my report. While I acknowledge that Equifax has taken steps to delete some of the disputed items, it is profoundly unjust and distressing that not all have been addressed. 

Moreover, I am deeply troubled by the perceived delays and lack of transparency in how my disputes are being handled. I have repeatedly requested verification that my disputes are being reviewed by qualified personnel and have asked for documentation including : The name of the original creditor for each disputed account. 
The address and phone number of the original creditor for each disputed account. 
The name of the Equifax representative who verified the dispute with the original creditor. 
The specific documentation used to verify the dispute with the original creditor. 
Equifax has failed to provide me with any original documentation, such as a consumer contract with my signature, as required under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, Equifax has not provided the method of verification as mandated by law within the specified timeframe.

Under Section 611 ( 5 ) ( A ) of the FCRA, Equifax is obligated to promptly delete all information that can not be verified. It is evident that Equifaxs handling of my disputes has not met these legal requirements, which may warrant civil liability under Sections 616 and 617 of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act XXXX  Account 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, credit repair services, or other personal consumer reports

I sent XXXX XXXX a certified letter on XX/XX/2022 informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/2022 at XXXX. As of today XX/XX/2022 XXXX XXXX is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 
Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). XXXX is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and XXXX is allowing this to stay on here. I am submitting this complaint as a record to show that XXXX XXXX and XXXX are not following the FCRA in the event I have to take further legal action. I expect this account to be deleted of my credit report IMMEDIATELY when XXXX and XXXX receives this complaint. It has been over XXXX since XXXX XXXX have received my letter. Also XXXX has added the Fraud alert to my file but still has NOT deleted the fraudulent activity that was reported. I will be attaching my police report and a few other documents with this complaint. Also I will be forwarding this complaint to the other Bureaus so they also can be on alert for this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE READ MY COMPLAINT AND INVESTIGATE THOROUGHLY. I N  XX/XX/XXXX  M Y IDENITY WAS STOLEN AND SOMEONE WAS LIVING AS ME IN  XXXX   XXXX  NEVADA. I HAVE FAXED OVER SUPPORTING DOCUMENTS TO ALL PARTIES INVOLVED.   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX , EQUIFAX AND CFPB. I HAVE ENCLOSED 18 YEARS OF STATED ISSUED ID AND ALSO COLLECTION LETTERS FROM STATE OF ALABAMA FOR  TAX YEARS  XX/XX/XXXX - XX/XX/XXXX . HERE ARE MY CONCERNS.     1. I HAVE LIVED IN ALABAMA ALL MY LIFE 2. I  HAVE 19 YEARS OF STATE ISSUED ID FROM ALAB AMA 3. I HAVE COLL ECTION LETTERS FROM DEPARTMENT OF REVENUE STATE OF ALABAMA WHERE I OWE TAXES FROM   XX/XX/XXXX - XX/XX/XXXX .  HOW IS THIS POSSIBLE IF I WAS IN  XXXX   XXXX  NEVADA PLEASE BETTER RESEARCH AND REMOVE THESE ACCOUNTS IMMEDIATLEY FROM ALL  XXXX  CREDIT BUREAUS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Asst Account # XXXX, / XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account number XXXX, XXXX  Account number XXXX, XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX, XXXX XXXX Account Number XXXX, XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX Account 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: Vehicle loan or lease

I have already discussed with Ally Auto that I am going to begin to have issues with payments due to losing my higher paying job due to Covid reasons I have been successful at completing all transactions however I now Im having another issue with is the fact that I have a medical emergency I was involved in a motorcycle accident where I was the XXXX XXXX XXXX XXXX I ended up falling off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can XXXX I was told that I can not have payment extensions due to the fact that the loan is a new loan and the current amount still owed is kind of high however I have a medical emergency I am now waiting on XXXX to be filed because I have no XXXX date and my medical insurance is not fast at doing this process I am not happy that the fact that Ally auto denied any payment option besides basically repossessing the car that I now have to drive because my motorcycle I cant drive with a XXXX XXXX XXXX XXXX and vehicle that I need could get repossessed because Im probably not going to be able to pay that over my rent and its going to be a while before the XXXX gets even approved and scheduled XXXX gets done before I can even return to work as well
Product: Debt collection

Unfair Damage Charge by XXXX I am writing to file a complaint against XXXX for charging me for damages to a rental car that I did not cause. I rented a car from XXXX, and upon picking it up, I noticed that the vehicle was already damaged. Unfortunately, there was no one present at the XXXX XXXX when I picked up the car to report the existing damage. 

I attempted to contact XXXX multiple times via phone to report the damage, but I found it incredibly difficult to get in touch with anyone. Despite my efforts, I was unable to speak with a representative to address the issue at the time of pick-up. 

Now, XXXX is trying to charge me for the damage that was present before I rented the car. They claim that the damage was not reported at the time of pick-up, but as I mentioned, there was no one available to whom I could report it. 

This situation has caused me considerable stress and inconvenience. I believe it is unfair for XXXX to hold me responsible for pre-existing damage and to attempt to charge me for something that is not my fault.