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

I've previously sent twelve letters to the credit bureaus asking them to take the disputed entries related to the identity theft off my credit report, but nothing has happened to yet. When I sent a copy of the FTC report, it was made clear that the credit bureaus are not obstructing records. I sent numerous letters to the credit bureaus with complete attestations of my personal information and the FTC 's ID THEFT REPORT, and I had assumed that these items had already been removed, but because it is required by FCRA regulation 605b, I'm sending this complaint to help with laying out a legal defense. I will give my records to my lawyer to start a legal action if the Credit Bureaus decide not to stop the other items listed below that are responding incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Debt collection

COMPLAINT BASIS : I am having severe issues with a Collection Company that has been attempting to collect on a debt that I am NOT LEGALLY RESPONSIBLE for paying. It may have even already been paid by the Responsible Party involved.

My name should NOT be involved regardless.

The Collection Company involved has been repeatedly notified via multiple Credit Reporting Disputes of this situation & refuses to correct it.

Now, on a least one of my Credit Reports they have RETALIATED against me for filing a Fraud Dispute against them, by then literally DUPLICATING a Collection originally posted under a different Collection Company name ( which they may even own ) under their OWN NAME as an Additional Collection Account with literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically changing just the filing date numerals to DEFEAT the Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this.

This Company believes it can violate Federal and/or State Regulations at will, & attempt to retaliate/ intimidate consumers trying to get them to comply. 
Therefore, I am filing a Federal Complaint against the Company involved, to make your Agency aware of their improper, threatening tactics, in order for ALL appropriate corrective actions to be enacted against them, so that ALL consumers are protected from them. I reserve the right to also file State level action/s with the Attorney Generals Office as well. 
BACKGROUND : I suffered a severe fall with permanently disabling injuries ( including an amputation ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective step, No Warning Signs, & no lighting. 
The XXXX  involved & their Insurance Company were LEGALLY RESPONSIBLE for paying ALL my Medical Bills from the Incident as part of their Settlement to Avoid Lawsuit. 
All the Bills were Submitted to the XXXX & its Insurer, by my Attorney, including the Bill/s in question. Bills were clearly paid by the Insurer. Why these were not credited paid or attached to me since I am NOT THE LEGALLY RESPONSIBLE PARTY is clearly incorrect. 
DOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX, Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth of this Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft in which someone broke into my home and stole personal information from me including my social security card, driver license, and several other important documents. Someone fraudulently took out a loan in my name. I tried to inform the company of this but kept getting told different things. I have asked the collection agency, NCA, to send me proof of this account and any contract relating to it. Upon further investigation, I have also learned that the original creditor, XXXX XXXX is no longer in business. Therefore, I would assume that any contracts with the company are now null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

For roughly 5 months I have noticed that there has been an incorrct credit report in regards to an auto loan I had taken with XXXX XXXX XXXX in XXXX. Whenever I made a payment it would not reflect on my credit score, therefore stating that i owe more than what i did. On my credit report it would also state that the last update was done sometime in XXXX XXXX. Approximately 2 weeks ago, I had called XXXX in regards to this issue and they made no efforts to resolve this issue. It has bought my credit score extremely low, and other creditors have lowered my credit card limit because of my credit score. My credit score currently says I owe XXXX. But my account balance with my bank says I owe XXXX which is the correct amount. I would really appreciate an investigation on this matter. Thank you
Product: Credit reporting or other personal consumer reports

It has come to my attention that there are errors on my credit report. The accounts numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX ARE NOT MINE I am demanding the proof be provided that these accounts are in fact mine or removed. 
Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.
Product: Credit reporting or other personal consumer reports

I believe there was wire fraud in my account and when I reported it to First Progress Bank they did nothing about it. When I received my card in the mail it seemed as if someone traced the number on the card with a pencil or something and I told them that but they still did nothing about it. I am not responsible for the charges that were fraudulent. They are holding me responsible for something I did not do.
Product: Checking or savings account

I deposited a check for {$120.00} from my XXXX XXXX XXXX XXXX XXXX account into my Bank of America account on XX/XX/2019. For some unknown reasons, Bank of America pulled off the check, that's what I was told by Credit Union, because the funds was there in the account, yet Bank of America pulled off the check and returned it as unpaid.Now, on XX/XX/2019, Bank of America placed a hold on the same check # XXXX, then withdrew the funds from my Bank of America account, and charged me {$12.00} charged back fee, and that gave Credit Union the opportunity to charge me {$30.00} fee, even though the funds was available in the account. My question to Bank of America is, why did they extract check # XXXX from my BofA account, and also charged me {$12.00} charge back fee, instead of getting it from XXXX? Secondly, what happened to check # XXXX on XX/XX/2019, for it to be returned unpaid?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX's website is purposefully kicking you out of being able to dispute items on your credit report.  They are willingly and knowingly doing this so people cannot access their reports so they trick you into paying. Also will no allow me my free annual credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CONSUMER FINANCIAL PROTECTIONS BUREAU. 
I had recently discovered that Trans Union, XXXX, and XXXX, are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

By using a third party vendor to verify my ( Bankruptcy # XXXX ) which it clearly state on my credit reports i received from TRANS UNION, XXXX & XXXX. ( letter attached ) Because of theirs use of a third party vendor XXXX XXXX thats a VITAL violation of my consumers right to privacy under the fair credit reporting act 15 U.S.C. 1681 et seq., Congressional findings sec. A 4. Because i never give my consent or permission for lexis nexis to furnish my personal information to anyone. I DEMAND TRANS UNION, XXXX AND XXXX  remove the bankruptcy IMMEDIATELY as they knowingly violated the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 et seq., Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting by using the services of a third party ie : XXXX XXXX. This item ( Bankruptcy # XXXX ) should be removed IMMEDIATELY I have attached a VERIFICATION PROCEDURE LETTER from US bankruptcy court District of New jersey where it state that they DO NOT report information directly to the CREDIT BUREAUS. 


The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I want these accounts removed off of my credit report ASAP!!
Product: Credit reporting or other personal consumer reports

I reached out to the company credit collection agency, who was collecting the debt from my car insurance through XXXX. I paid this off in XXXX. The date of delinquency was XXXX and when I reached out to each of the credit bureaus they said it should be coming off of my report XX/XX/XXXX. I am currently buying a home and want to have this item removed now since it has been paid and there is a XXXX balance. This will help me with getting a better interest rate for my home loan once this item has been removed. The credit bureau said I needed to go through this process. Send this complaint that I file over to them and then they can handle removing it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters that have gone unanswered to date which has caused immeasurable stress.
Product: Debt collection

Made payment on XX/XX/XXXX in the amount of {$130.00} Made contact to collection agency XX/XX/XXXX for deletion and was told letter would be sent to me via email by XX/XX/XXXX Made another contact in XX/XX/XXXX and was told deletion letter should be received via email Monday XX/XX/XXXX or Tuesday XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

I received a bill in the mail for {$2100.00} from American Coradius International LLC Toll Free XXXX, Claiming that I owe XXXX this amount, and if it is not paid in full then it is going to be sent to collections. However, they want me to pay THEM. 
They asked for my email, and I refused to give it to them ( because I suspected it was a fraud ), and they gave me the email that they have on file. I confirmed it is not my email. They told me that I can ignore the bill. I insisted on having a confirmation that I do not owe anything to this company. They refused to provide me with one. 
They also asked for my social security number ( I refused to give it ) and they also asked me for my birthday, ( I also refused to give it ). 
They said that they will report and put an investigation into my case from XXXX. 

I believe this is a fake company trying to get me to send them money. I see online that 62 other reviews also say this company is a scam. They need to be closed down. 
The address they have on file is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NY XXXX Thank you
Product: Credit reporting

CHEXSYSTEMS IS REPORTING A ACCOUNT FROM A DEBT COLLECTER ( XXXX ) .THAT FILE HAS BEEN DISPUTED AND CLOSED, WITH XXXX. XXXX IS NO LONGER, AND THE OTHER XXXX COMPANIES, XXXX XXXX SYSTEMS AND XXXX CALLERS XXXX DOES NOT HAVE IT ALSO. THEY DO NOT SHOW IT BY MY ACCOUNT NUMBER OR MY SOCIAL SECURITY NUMBER. I AM TRYING TO HAVE IT REMOVED, SO I CAN JOIN A CREDIT UNION.THIS SHOWED UP AT THE CREDIT UNION.ON BEHALF OF CHEXSYSTEM.
Product: Debt collection

I reject your offer to contract I did not consent to any nonaffiliated third XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX to be in possession of my XXXX XXXX XXXX. This is notice to cease and desist all communications and furnishing false credit information on my credit report is also considered communications. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft XXXX XXXX XXXX. I have reason to believe that the XXXX XXXX, XXXX XXXX XXXX, Experian are all conspiring against me trying to collect on a extension of credit through unlawful extortionate means. By putting this false credit information on my credit reports your damaging my name and credit worthiness. If you do not remove this false credit information immediately ill be forced to Seek justice under all my FEDERAL RIGHTS. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. Remove this false information immediately.
Product: Credit reporting or other personal consumer reports

Over 30 unauthorized inquires appeared on my credit report and i did not authorize them Victim of fraud issue has not been solved i have placed a free and fraud alert on my reports and filed a police report but the credit bureaus transunion, XXXX, or XXXX have yet to notify me with a responce or remove the unauthorized information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a free Experian online account for many years. For over a year now, I have been unable to login into my account. My birthdate and social security number are required to get access to resetting passwords and log in, and now my actual credentials no longer work. Still, for the past year, I have been locked out of my account, and their system - Exerpian ( website and phone application ). 

Additionally, the Experian telephone number for support - ( XXXX ) XXXX - is an entirely automated system that does not have any live support to assist with customer issues. Their phone system only offers an AI system and there has been no way to get to any actual people in the company to look into my issues. I have sent several email requests as well and have not gotten any response. 

Around the time that I began getting locked out, I did have an issue with my credit accounts being hacked ; money was charged to XXXX of my personal accounts and I had to cancel all my cards and dispute the transactions. Also, I disputed an account of my credit profile as well and have not been able to get an update on it. I also misplaced my wallet last year somewhere in Texas, and it contained my social security card, birth certificate, and driver 's license. I replaced my driver 's license immediately but did not know what to do about my personal documents. I also relocated to XXXX Ohio in XXXX of 2022 and have been a resident of the state since then. I am not certain if any of this has to do with the permanent lock-out of my Experian profile, but I have not been able to get this information to the organization directly. 

I am truly concerned about Experian company handling my personal information, especially since my actual birthday and social security number no longer work to get access to my account ; something seems terribly wrong. I am unable to speak with anyone in their company due to their system being purely automated and not having an option for my issues or any times when a real live person is avaiable. Additionally, my credit account could be hacked and I am unable to get that information update.
Product: Credit reporting, credit repair services, or other personal consumer reports

received two un solicited inquiries through XXXX one from XXXX XXXX in XXXX XXXX ME nd one from Bank of America in XXXX XXXX TX on XX/XX/2022. Reported incident to XXXX nd fraud alert they issued a dispute notice and placed a fraud alert on my credit report. I did not see any unsolicited activity as of XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX AGENCY : XXXX XXXX XXXX  bUSINESS TYPE : BANK CREDIT CARDS DATE OF INQUIRIY : XX/XX/2020 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i have to late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) and ( XX/XX/year> ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$40000.00} XXXX XXXX XXXX XXXX Balance : {$49000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Disputing Information in Credit Report To Whom It May Concern : I hope this letter finds you well. I am writing to dispute the following information. 


I am a Bank of America customer for more than 8 years. As you see on my credit report ( s ), I never had late payments in my life. I used to have an Auto Pay based on the statement balance. I have had this credit card ( XXXX ) since XXXX and it was set on autopay for recurring charges. I left the country for 3 weeks and checked the Auto Pay in XXXX. Unfortunately, due to a glitch on the international IP of the Bank of America website, my auto payments didnt kick in. I didnt realize that until I am back XX/XX/XXXX, when Im back. I paid it immediately for sure. I called the Bank of America and they waived the fees and interest charges due to technical glitches on their Bill pay page in the XXXX XXXX. After the investigation, It turns out their system changed my residential address and cut the autopay. 

They didnt remove the delinquency due to their mistake. It hurts my credit applications. This should be a goodwill adjustment but its a bad-will adjustment on their side and this should be illegal. Please help me to remove this delinquency report from my account as soon as possible. Thank you! 

I have copies of the record of payments made, the waivers, and the error code on their website supporting my request. Please reinvestigate and remove this delinquency report from my records as soon as possible. 

Thank you for your time and consideration! 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$64000.00} ; XXXX XXXX XXXXXXXX Balance : {$370000.00} ; XXXX XXXX XXXXXXXX Balance : -.
Product: Credit reporting or other personal consumer reports

XXXX {$11000.00} XX/XX/year>, XXXX XXXX {$670.00} XX/XX/year>, XXXX XXXX XXXXXXXX XXXX {$5600.00} XX/XX/year>, XXXX {$1400.00} XX/XX/year>, XXXX XXXX XXXX  {$2400.00} XX/XX/year>, XXXX XXXX {$160.00} XX/XX/year> XXXX XXXX XXXX {$380.00} XX/XX/year> XXXX XXXX XXXX {$910.00} XX/XX/year>, THESE ACCOUNT ARE NOT MINE MY INFORMATION WAS EXPOSED IN THE DATA BEACH FCRA LEVERAGE LAWS.
Product: Credit reporting or other personal consumer reports

Per The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

This is against of my rights as a federally protected consumer ; to be reported on my credit report : U S DEPT OF EDXXXX,XX/XX/XXXX XX/XX/XXXX in the amounts of : Amount Account Number {$3200.00} XXXX {$2000.00} XXXX {$3800.00} XXXX {$4300.00} XXXX {$5300.00} XXXX {$5400.00} XXXX {$2000.00} XXXX {$2000.00} XXXX {$4200.00} XXXX {$3200.00} XXXX {$3800.00} XXXX Per the FCRA as a federally protected consumer. I am now opting out any and all authorzian. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 u.s.c 6802.