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

here are three issues One, I had a XXXX  card Account number XXXX opened XXXX of XXXX they closed my account they bullied me by doing this and not looking into the matter. They put a late payment on my account XX/XX/XXXX XXXX This was an error because I have always been set up from auto pay ) when the rep called me about I asked what happened to my auto pay they could never explain why it did not take out a payment. I immediately made a payment with them over the phone. they were never able to see why the auto pay was stopped even though my bank showed no error on their end there was also funds in my account. They rep fraudulently entered me into some type of repay contract which stopped me from being able to use the card ) I didn't know that was cutting me off from my card. I was never late ever with my card. I used this card with pride. I continued to pay my balance down to XXXX  they still would not let me use my card. Then on XX/XX/XXXX they closed my account. XXXX has ruined my reputation cause me to be denied for credit for a closed account and and false Late payment that was NOT from me doing anything wrong. this was a long running credit history with {$12000.00} line of credit that was taken from me without my authorization. They said they closed it due to a negative account from XXXX XXXX which leads me to my second issue. XXXX XXXX put an erroneous account, Account number XXXX on to my credit report which they had no permission from me to do so. I tried several times to get verifiable details to prove this account belongs to me and XXXX  have failed to provide anything with my signature or a sworn affidavit to prove they have validated this account to be truly mine. As you can see they have also ruined my reputation by putting this negative false account on my credit profile. I have tried several times to have this info removed by contacting Experian, XXXX, and XXXX  to remove this unverified information they are all using their power to ignore my concern this bullying technique is not fair! This is hurting me mentally and financially. I am being rejected for credit because of this. Which brings me to my 3 complaint. Lastly, these credit companies Experian, XXXX, and XXXX are violating my rights by not providing the documentation they are suppose to have on file to prove accuracy of this XXXX XXXX account. I never gave anyone permission to add this to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit card

An application for a Chase credit card was submitted without my knowledge. When speaking to Chase they could tell me that the application was filed on XX/XX/2023. It was declined. I would like the hard inquiry removed from my report.
Product: Debt collection

I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby girl. I as that you please remove all these false misleading inquiries from my credit report so I can began to repair my creedit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 
15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.US SM BUS ADMIN ODA XX/XX/XXXX XXXX. XX/XX/XXXX XX/XX/XXXX XXXX. XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 usc 1692 ( d ) ( 2 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are ruining my reputation by reporting negative info 15 usc 1692 ( g ) ( a ) suppose to send specific information within 5 days never did. 15 usc 1692 ( d ) ( 1 ) and 15 usc 1692 ( c ) I am demanding cease communication this is a cease and desist and dept validation 15 usc 1692 ( g ), 15 usc 1692 ( d ) all companies are harassing me.15 usc 1681 ( i ) all accounts are inaccurate delete accounts
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are reporting several derogatory accounts on my Creditreport. I was in Equifaxs data breach where all of my information was stolen. Ive disputed this information because Im a verified fraud victim. This has caused negative reporting and a significant decrease of my credit score. Those fraudulent accounts should be removed, instead theyre being re-investigated over and over. I want those negative accounts removed.
Product: Credit reporting or other personal consumer reports

Ive identified incorrect personal information on my TransUnion credit report, which has led to several unknown and inaccurate accounts appearing on my file. As a victim of identity theft, my information was used fraudulently, resulting in these unauthorized accounts. I followed TransUnions instructions, filed an FTC report, and submitted it for review, yet these fraudulent accounts have not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts 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  Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears like this complaint already went to a Company with a similar name! 
The Complaint is about Experian! 
Still - this Complaint will almost certainly reach Experian on XX/XX/XXXX or sooner! 
On XX/XX/XXXX - ALL DEROGATORY ITEMS SHOULD BE DELETED FROM ALL FILES! 

-- -- COMPLAINT! 
About more illegal & un-ethical behavior from Experian! After more than a year of doing illegal & un-ethical things to me - including - among other things - inserting false info in my files - failing to remove false info! - Even after 30 days! - Even after 300 days! Re-inserting derogatory items - spamming me more than 50 times - literally - here 's what Experian has done in the last few days! Experian sent me a paper-mail letter claiming that - allegedly - they claim - they allegedly needed to talk with me on the telephone to fix the problem with the false info in my file! They claimed they allegedly did not know what account I was talking about! The account company is " XXXX XXXX XXXX '' aka " XXXX XXXX '' and aka simply " XXXX '' The rules of this CFPB Website say not to state account numbers in this form. " Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. '' R partial account numbers ok for this website? The last 4 digits? The account with the false info is THE ONLY ACCOUNT WITH DEROGATORY ITEMS! The account with the false info is also THE ONLY XXXX ACCOUNT! It seems like the Experian empoyees know exactly what I'm talking about! Even if they lie & pretend like they don't! I also sent the account number to Experian by e-mail. TODAY I TELEPHONED EXPERIAN 4 TIMES! All 4 times I was trying to do what Experian said to do! All 4 times I got a computerized voice - NOT a human! It would not let me talk with a human!
Product: Debt collection

On XX/XX/XXXX I left my apartment at XXXX XXXX. The apartment was fully cleaned before I had left. 

I was then hit with a $ XXXX bill saying that I damaged the property and there were cleaning fees to be paid. 

One of which was {$500.00} for trash removal. In my lease it states that I pay monthly to have my trash disposed of. 

I then asked for evidence to show that I owe this amount and the debt collector said to me that XXXX makes up their prices becuase they are in house. 

So essentially they lie about having to clean the place and then over inflate the charges for the person in debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice two accounts on my credit report that does not belong to me : 1.XXXX XXXX Account # XXXX 2. ( Original Creditor : XXXX XXXX ) Account # XXXX I am a victim of identify theft and I have filed a FTC report and XXXX  complaint as well as a direct dispute with the credit bureaus to put them on notice of these inaccurate accounts.
Product: Debt collection

I have attempted to receive debt validation from the company in dispute and they have ignored my attempts. My attorney sent multiple letters and they failed to validate the debt as well as the fact that they have re aged this debt on ny account multiple times. Letters were sent from last year up until this year to no avail. The company has yet again failed to substantiate this debt and also have negatively impacted my credit in doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX allowed XXXX via XXXX pull a hard inquiry on me with out my authorization. I never even inquired for credit through XXXX There will NOT be a recorded line of any conversation with me. This is fraudulent and need this to be removed immediately from my report as it is damaging my credit. I have contacted XXXX by cerified letter 45 days ago and have not received a response. Please help.
Product: Debt collection

I am writing to dispute the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ).

Below are the details of the account in question : XXXX  Account Number : XXXX High Balance : {$1500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Closed Date : Not applicable Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Other Collection Agencies Account Status : Open Payment Status : Collection/Chargeoff Creditor Remarks : Placed for collection Original Creditor : COLLECTION Payment Amount : Not available Last Payment : Not available Term Length : Not applicable Past Due Amount : Not available Account Type : Not available Payment Frequency : Not available Credit Limit : Not available I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated. 
Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Product: Checking or savings account

I opened a new account with XXXX approx 3 weeks ago. On XX/XX/XXXX, I deposited a check for {$1000.00} into the new account, which was the majority of the funds in my old account. The following day, I decided to go ahead and write a check for the remaining balance in my old account and deposited it to my new ST account, for approx {$160.00}. The following week, the {$1000.00} cleared my old account but was placed on hold with ST. Days passed and it was still on hold. At that point, I had several automatic bill payments come out of my old bank account. I did not switch these auto pays to my new account because the funds still were not available and I did n't want my new account to become overdrawn. I also could n't cancel the autopays because payments were due and pending. So, when ST went to collect my 2nd deposit of approx {$160.00}, the check was returned NSF. As a result , ST froze my account and put it under investigation, restricting me access to any of my funds. I now have no money in my old account and ca n't access any money in my new account. This has been the case since about XX/XX/XXXX or XX/XX/XXXX. No one at SunTrust will tell me what is going on or when I can access my funds. They wo n't even tell me anything I can do to help. I have n't had any funds since XX/XX/XXXX when my check cleared the old account and was placed on hold with SunTrust. Any direct deposits into ST are instantly unavailable to me. I do n't even know my account balance. Meanwhile, my old account continues to be overdrawn and accumulate overdraft fees because I ca n't withdraw my money from SunTrust in order to bring the account to positive. I ca n't pay rent, but food, gas or dog food. They wo n't tell me what is going on or when I 'll have any of my money. I do n't know what to do. I did n't even get notification of an extended hold on my XX/XX/XXXX deposit until I received the notice in the mail on XX/XX/XXXX, 6 days after the deposit. The letter even states that I was not notified of the hold at the time of deposit. They are holding my money XXXX and now I 'm suffering because of it. By the end, I 'll probably have all my funds depleted due to the massive amount of overdraft fees being charged to my old account because I have no way to rectify it. Please help me.
Product: Debt collection

Bought bed and adjustable platform ( frame ) the bed started to sag right away called XXXX number and they came out and replaced it, that one started to sag right away and the platform was not working properly called and told them this deal was not going to work for nothing was good or working right. They came out took bed but never took platform, platform started to smoke XXXX days later, I unplugged it and put it in garage. 
When platform was first acting up I called sleep number and told them about bed and platform, they tried to tell me there was no warranty on platform, I said there has to be some kind for it is electric and has motors in it Instead of taking care of the problem they turned my bill over to collections and ruined my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dated attached is a letter from Loan care regarding the incorrect reporting to the credit agency 's stating an error on their part in reporting my mortgage late on all three credit reports. Technically they are stating that they should only have reported it late for the month of XX/XX/2019 BUT when I went online to pay the full payment the only payment I was allowed to make was the {$130.00} forbearance payment and NOT the full amount. So Loan Care has said that they would correct this with the credit reporting agency 's but as you will see it is NOT corrected on my XXXX  report and it is still be reported that I am 180 days late on this even though I have paid all forbearance payments correctly and on time. With COVID - this should NOT be reported and it has severely effected my credit. I am unable to even obtain different car and homeowners insurance because of it. My XXXX account went from being a XXXX limit to now {$250.00} because of it along with many of my other accounts all credit has been reduced. I am currently in a situation where they have put me in a trial period for a loan modification and that I have to make three payments in the trial to be approved for the loan modification. I went into the forebearance due to losing my job and having my social security stopped as well so I had not enough money to pay the mortgage. I really thought this was my only option as I searched for work which I know have secured. Please help in getting this corrected on my credit reports so that I can actually get car and homeowners insurance at a better deal then I am currently paying.
Product: Payday loan, title loan, or personal loan

I applied for a loan from PayPal XXXX of this year, 2022, and was denied ( violations of XXXX XXXX XXXX and XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : 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  These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. # # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : 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 These accounts are either fully paid or incorrectly reported, and their continued reporting is a violation of my rights under the FCRA, as it misrepresents my credit history and unfairly impacts my creditworthiness. # # # Legal Basis for My Dispute : The FCRA mandates that consumer reporting agencies and furnishers of information ensure the accuracy, fairness, and privacy of information included in credit reports. The unauthorized inquiries and misreported collection accounts violate the following sections : - 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports, restricting access only to those with legitimate authorization. - 15 U.S.C. 1681s-2 ( b ) : Responsibilities of furnishers to correct and update information after receiving a dispute. - 15 U.S.C. 1681e ( b ) : Ensuring maximum possible accuracy of the information contained in consumer reports. Additionally, the Federal Trade Commission ( FTC ) has issued clear guidelines supporting consumer rights in such disputes. Failure to rectify these errors promptly could lead to further legal action, including penalties under the FCRA
Product: Credit reporting or other personal consumer reports

I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE IN MY REPORT, VERIFY THAT 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

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.
Product: Credit reporting or other personal consumer reports

Student loans are reflecting a negative effect on my credit report which gives other companies the opportunity to be biased based on negative marks on my credit report. To my understanding I am protected by law and companies can not use any potential negative credit reports that may be used against me and this is hurting my credit when I try and take out a mortgage giving the lenders an opportunity to become biased which is unlawful. I want the dept of education off my credit report immediately, and also any addresses that are not my current address which is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I am looking to buy a house and I do not need any negative inquiries that may hurt me such as the ones I spoke about above.