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

I have an open dispute with experian. Please see document stating EXPERIAN PROOF. They are sending me notification that under the FCRA I can have the fraudulent accounts for XXXX blocked yet, the website will not accept the document upload. 

I have requested multiple request for a supervisor call back [ XXXX XXXX XXXX ] and to date, have not received a call from anyone. 

I am already fighting fraud. I do not want to mail my entire credit profile with identifying information. 
Please Help
Product: Debt collection

On XX/XX/ I received a letter from XXXX. XXXX XXXX stating they were a debt collector and trying to contact me to collect a debt owed to XXXX XXXX  in the amount of {$1100.00}. XXXX XXXX XXXX XXXX. XXXX | Account XXXX. XXXX I called the number and they stated the name on the account was a person named XXXX XXXX. They had completely wrong information and I'm not sure how they had me on the debt collection. T he name and address of the original creditor is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. This issue was resolved by CFPB. 

On XXXX XXXX XXXX Sunrise Credit Service sent a credit collection to my credit report for the same XXXX XXXX debt. Account Number # XXXX. 

I am willing to prosecute.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was paid XXXX XXXX and was removed from XXXX and XXXX that day. Today, it is still reporting to XXXX as unpaid and when I called, they stated first that they sent notification of payment on XX/XX/XXXX, then today ( XX/XX/XXXX ) said that when its disputed they have to wait for the client ( XXXX XXXX ) to send the paid receipt but they have been reporting it as paid since XXXX. I spoke with XXXX XXXX and they said its been showing as paid. XXXX has no record of it being paid and even shows it on the dispute. You cant talk to anyone other than the customer service representatives because theyre all equipped with reporting expertise and there isnt anyone higher up to speak with.
Product: Credit reporting or other personal consumer reports

I learned how to look over my credit report and to look for inaccurate and unauthorized use of my credit report 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. 

Hard Inquiries 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 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.

You may have not supplied proof under the doctrine of estoppel by silence, Engelhart v. Heavens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt.

Please remove these accounts immediately
Product: Debt collection

Morgan and Associates on behalf of XXXX has garnished my wages for {$800.00} a month for a debt belonging to both me and my soon to be ex wife, XXXX XXXX. The entire amount is being taken from my bank account monthly and with new deductions will exceed the federal legal limit for garnishment of income. Morgan and Associates is committing a crime by taking {$800.00} per month from my account alone when my wife works in the same XXXX XXXX, XXXX XXXX XXXX XXXX, and owes exactly half of the {$7500.00} judgement. My finances have been destroyed as a XXXX XXXX XXXXr in Oklahoma. I can not afford giving almost 30 % of my pay to a debt not owed only by me! This needs to be rectified promptly and action against Morgan and Associates should be taken for their criminal behavior.
Product: Credit reporting or other personal consumer reports

XXXX XXXX- {$2300.00} XXXX XXXX XXXX- {$450.00} XXXX XXXX XXXX - {$260.00} These account I had no knowledge of and were open fraudulently during the pandemic. Ive tried for years to get them removed. My lawyer couldnt even get any info of where these came from.
Product: Credit reporting or other personal consumer reports

date opened XX/XX/year> amount {$2200.00} XXXXXXXX XXXX  : Account number : XXXX THIS ACCOUNT ARE FROM IDENTITY THEFT. I DID MY POLICE REPORT WHEN I NOTICE THIS ERRONEOS INFORMATION IN MY REPORT. I NEVER LIVE IN NY i never open XXXX XXXX XXXX XXXX {$2200.00} XX/XX/year> Account Number : XXXX address i never lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This issue started back in XX/XX/2023. I was looking at my report and noticed there were some things that was not correct. I sent tons of letters to the credit bureaus. I asked them to investigate the completeness and accuracy. I haven't received the results and noticed they did not fix nothing. There are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that either.

They are also breaking these laws as well below According to 15 USC 1681i ( 5 ) it states this Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this ( A ) Reporting information with actual knowledge of errors 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.

( 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.

This is unfair and if they are doing this to me. I'm only trying to do the right thing so that I can be ale to get a house for my family because I'm homeless, These items on my credit file is hurting my credit and its preventing me from getting anything. Will you guys please fix it?
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

SOFI BANK, NATIONAL XXXX
Product: Credit card or prepaid card

An account I ve never opened at a Macy 's store credit card is been reported on My credit file since XX/XX/2014, I had never asked or applied for a credit card a Macy 's or related chains
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX, I was applying to a job online and the application took me to a credit score check which I believed to be part of the application. It turned out it was an ad for a company called Trans Union. Not realizing this was fraudulent, I took the credit test and was prompted for my credit card info ( not for charging purposes, but for one of those " your card will not be charged '' things. ) I entered it, took the test and thought nothing of it until I started noticing these recurring charges on my bank statement for XXXX a month for Trans Union. Having no memory of signing up with them, I got on the phone with Trans Union and asked that they cancel my account. I then looked up their company and found dozens of scam reports on these people. Regretfully, it seems everyone has the same story with them -- took a credit test and unknowingly got taken for XXXX a month. I want to report that Trans Union are frauds and are illegally charging for unwanted services without disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 TXXXX 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 or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX {$1500.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$1500.00} XXXX XXXXXXXX XXXX {$15000.00} XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX NAVY FEDERAL CREDIT UNION, carried out an unauthorized transaction for amounts I directly disputed and DO NOT LAWFULLY OWE and despite this consumer having rescinded his consent XXXX XXXX, to be liable for any unauthenticated amounts. I conditionally accepted there demands for the corrected statement and tendered payment in lieu of cash payment. The company has taken my payment and continues to come after me. The company has failed to follow any thing close to law. This is not a duplicate complaint. This is an additional complaint. How may a company continue to debit my checking account for debt that I have disputed as not owing? I have rescind my consent previously, is there something I am missing? This is organization is a fraud and must be stop, Abuse to veterans with all they have when they are double dipping by taking my discounted coupons and my cash. This is a fraud and represents a grave mistrust to the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against BMW FIANANCIAL SERVICES NA LLC Account # XXXX. Back on XX/XX/2019 I sent the mentioned company a letter to investigate a 30-day late payment that occurred back on XX/XX/2019. I my make payments through XXXX XXXX, XXXX. XXXX XXXX, XXXX states that the payment initiate in XX/XX/XXXX and received by BMW. I sent BMW my dispute letter, the letter from XXXX XXXX XXXX with details of transaction, I sent BMW every proof they asked me to send them and they still havent removed the negative mark, knowing that it was their negligence. This is my last resource to try and reason BMW that this was not my fault. If my negative mark is not removed from all 3 reports, I will take this to a federal court for negligence, unfair business practice, breach of contract, never received any type of indication I was going to be late and when I seat down with my lawyers the violations will just multiply. This has me emotionally stressed, mentally absorbed this company is financially torturing me in every aspect. Im attaching all documentation I sent them and you can also contact XXXX XXXX, XXXX so if BMW has to contact them for whatever reason they will be able to respond to any questions. I request a deletion letter once this error is taken care, so I can provide to my mortgage company. Thank you!
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX I am writing to formally dispute the late payment ( XXXX ) reported on my credit report for my account XXXX. According to my records, the following late payment ( XXXX ) were reported for the months of XX/XX/year> and XX/XX/year>. 

I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. 

Please respond to this request within 30 days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.
Product: Mortgage

On XX/XX/2022 I received letter from city treasurer stating that property taxes have not been paid for the year on my home. I called loan company and gave information and copy of letter to address it. Also contact city treasurer office where inform again they have not made payments. So I looked on line for my mortgage account and notice they have wrong address for my home. As of today no one has contacted me issue been resolved.
Product: Credit card

Attempting to buy plane tickets, they've got this big ad " Apply for our credit card now, get XXXX dollars off '' Okay. Whatever. I'll try it, i never do this but I'll try it. I go through all the rigamorole of unfreezing my credit at all XXXX beaureus, apply for the XXXX of instant credit, and it tells me " Your application is pending further review, we will send information within XXXX days '' Okay. So now I can't get the XXXX deal, because I needed to USE this credit card to make this purchase. 

So I don't want it if I don't get the benefit... But you know what they are going to do anyways? Hard inquiry on my credit, because I inquired about a scam that they were never going to honor. 

And then I'm never not once going to use it. Cancelled or declined instantly, i don't XXXX want it, it is of no XXXX use to me, if i don't get the XXXX sign on bonus for the XXXX purchase associated with the credit application in the first place.
Product: Credit reporting or other personal consumer reports

inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer repo prepares a consumer report, it shall follow reasonable procedures to assure th possible accuracy of the information concerning the individual about whom the relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In after any reinvestigation under paragraph ( 1 ) of any information disputed by a c an item of the information is found to be inaccurate or incomplete or can not be v the consumer reporting agency shall- ( i ) promptly delete that item of information file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that informatio the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report 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 XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$6300.00}, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Date Opened XX/XX/XXXX Bal. {$12000.00} XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1000.00}, XXXX XXXXXXXX XXXX XXXX  Account # XXXX date opened XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$640.00} XXXXXXXX XXXXccount # XXXX date opened XX/XX/XXXX Bal. {$0.00}. Late Payments : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Account # XXXX Inquiry : XXXX. ADDRESS needs to be removed from my XXXX  consumer file it is not my residence said address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, In XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. Information was involved in XXXX Data Breach Settlement.
Product: Credit card or prepaid card

I am writing to file a complaint against Capital One regarding their refusal to refund fraudulent charges on my credit card accounts. I added my cousin as an authorized user in good faith, but he abused this privilege and made extensive fraudulent purchases, incurring {$42000.00} on the Venture card and {$44000.00} on the XXXX card. When I disputed these transactions, Capital One denied any refund, claiming that I am fully liable for the charges. I believe that Capital One 's negligence and failure to protect me from this clear fraud is a violation of consumer protection regulations, including the Electronic Fund Transfer Act and Regulation E.
Product: Debt collection

I received a few phone calls from Resurgent Capital today, XX/XX/2024, about a debt collection. I went online to submit a Cease to Desist notice requesting that they not phone me about any debt because this is going to lead to multiple robot calls. I prefer for them not to contact me by phone. Mail at the po box is ok.I had also sent a letter to the original creditors before these accounts were turned over to Resurgent to notify their collection agencies not to phone me but they still called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act Convergent Account # XXXX via Medial Data Systems has violated my rights 15 USC 1681 Section 602 States I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit medical collection account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed a dispute in regard to the incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Consumer Loan

MB Financial is not forwarding my payment data to the XXXX credit agencies - specifically for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has resulted in a significant reduction in my XXXX score. I have spent numerous hours on the phone over the past 6 weeks with MB Financial agents and supervisors without success. Emails go unanswered and there is zero followup. All MB Reps agree that payments are paid in full and on time but never resolve the problem.
Product: Debt collection

Southwest Credit System is trying to collect a debt that is passed the statue of limitations for Texas. The statue of limitations is 4 years and the debt is 4 years and 4 months old. By law, they can not collect on this account. I have mailed multiple letters to the company explaining this matter and received no response. In lieu of suing the company for violating the law, I want the company to : stop attempts for collecting the debt, remove their information from ALL credit profiles, and agree that they will not longer sell my account to another collection agency per Texas Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was leasing a XXXX in 2020. We returned the XXXX on XX/XX/XXXX, ahead of our deadline of XX/XX/XXXX. Later, we received notification in the mail from Ally Financial of late fees assessed against us for late return of the XXXX. On XX/XX/XXXX, I spoke on the phone with an Ally representative and explained that they wrongfully assessed late fees, and they explained I needed to provide proof. I provided proof via email the same day on XX/XX/XXXX and received no response. I followed up again on XX/XX/XXXX and again on XX/XX/XXXX with proof of our having returned the jeep on time, and received no answer from Ally. Eventually, I was contacted by debt collectors and my credit score suffered from derogatory marks ( Date unknown ). My husband spent hours on the phone with Ally financial on XX/XX/XXXX trying to get this issue resolved, and they said to call back later to follow up on this issue, but they would remove the charges and have this resolved. Later, my husband followed up and I found out that they had cancelled the outstanding balance but failed to go back and correct the historically inaccurate information which is still negatively affecting my credit score. I had warned them if this issue was not resolved I would be filing a complaint with the CFPB. I have already spent hours on the phone getting transferred from Ally rep to Ally rep and would prefer to avoid suffering through that process again.