23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

2 credit collection companies are trying to collect on the same debt from XXXX. Southwest Credit Systems placed a tradeline on my credit report on XX/XX/2016 and XXXX is also listed on my credit report trying to collect for the same company. I had to look Southwest Credit Systems up on goggle to get contact information. Once I contacted Southwest Credit they had over 5 addresses listed for me and none of them belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : My complaint is in regard to Experian and there inaccurate reporting and incomplete investigation of my dispute. Initially, I thought my issue was with XXXX. However, after writing XXXX and speaking with their legal department, they informed me that they indeed were reporting my payment history accurately and advised me to open a dispute with Experian to have it corrected. I had thought all this time that I had missed a payment! But I know that my payments were set up to autopay. In that moment, I realized that they had opened and closed my dispute with no real investigation. I went to check how the late payment was reporting on the other two reports through my Experian account and to my surprise, there was no late payment on XXXX and XXXX. XXXX had responded correctly that they had reported it accurately. Experian is the only agency reporting the information incorrectly after opening and closing my dispute as quickly as possible and with no resolution. This negligence has inconveniently negatively impacted my credit score in challenging time in our country, where having access to credit can make or break you and all you hold dear.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX ******** XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Bank account or service

I was told a deposit I made would be available on XXXX XXXX, 2016 and as of XXXX XXXX, 2016 it has still not been released, despite me providing proof the check had cleared. I am being charged fees while items I 've try to pay against the deposit have been returned at great embarasement and expense to my family
Product: Debt collection

This is my fourth time making a request about the same debt. I was a victim of ID theft. Upon checking my credit. I realized for the 4th time. XXXX XXXX XXXX has sent an account to collections in my name. I just turned XXXX and I have already had to deal with XXXX other collections companies about this very same debt. Each time, the collection has been removed. From what I can tell this account was opened when I was XXXX and not yet had begun to use or even know anything about credit. I expect this information to removed immediately from my credit file. It appears that XXXX XXXX XXXX continues to sell or send this account to multi collections companies because I have been hindered and demised I plan to file suit XX/XX/2020. This account is not mine. I stated it over an over again but this has been such a hindrance I can no longer continue to go about it resolving it in this manner. For the record. I have never had any contact or communications with Credence Resource Management. Not by mail, or telephone fax or any form of communication. The item just out of nowhere appeared on my credit profile. with a note in the Activity Field " XXXX XXXX '' Again, This item doesn't not belong to me. Because of the hassle. I will file suit this month and will include and party involve in this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom it may concern, I was a victim of identify theft and I found out in XX/XX/XXXX. There were three inquiries that were made and some credit cards were closed. The following are the inquriries that are still showing up on my credit reports as of today : XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was advised by the Transunion Bureau to contact the banks for the inquiries listed above so that they can contact the bureaus. I spoke to XXXX XXXX XX/XX/XXXX and they advised me that they have previously sent a letter to the bureaus to let them know this account was fraud months ago. As of now, the inquiry was never removed. XXXX XXXX XXXX was a company that had an open line of credit which has since been removed. So why did the account get removed but not the inquiry? 

For XXXX XXXX, I spoke to them on XX/XX/XXXX and they advised me that the inquiry should fall off from the credit report as of next month because they had failed to successfully closed the account that I had fraud on. 

Lastly, XXXX XXXX XXXX XXXX XXXX was a company I called and they told me that they do not have my social security on file and that I should reach out to XXXX to have this removed which I already did but they have failed to do so. I submitted a dispute and they have failed to solve my problem.
Product: Credit reporting or other personal consumer reports

Reporting late payment on my credit report violating 15 usc 1666b 15 usc 1681a ( 2 ) and 15 usc 6802. Did not allow me to use and did not explain the credits that was created from the promissory note to offset the debt. Collected unearned interest. Did not explain gaap accounting in the consumer transaction. Its securities fraud being committed with the promissory note that i signed. Lack of full disclosure. Did not receive proper consideration.
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. 


Account : XXXX 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 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.
Product: Credit reporting

I received a collection notice from XXXX XXXX XXXX in which I disputed with the creditor on XXXX XXXX, 2016. I provided documentation from the original creditor advising that the amount and information provided by the original creditor was fabricated. To this day, I never received a response from the collection agency validating my dispute. Therefore, the Texas XXXX XXXX XXXX XXXX which requires the collector to validate the debt within 30 days and if the creditor does not respond within 30 days, the debt is considered NOT VALID and must be removed from ALL credit files and further collection action MUST cease. 

During the dispute process-the collection agency continued to collect on the account by calling me once and reporting the account to the Equifax. In so doing, they not only violated the FCRA, FDCPA, they also violated the Texas XXXX XXXX regarding collections and credit reporting. 

I immediately disputed the account with Equifax , providing them with the dispute to the collection agency and the documentation that was sent. I also informed them that the collection agency has NOT validated the debt as required under Federal and State Statutes. Equifax processed the dispute stating that they verified the debt is being reported correctly and that they verified that it belonged to me. Unfortunately, this is not possible if the collection agency was unable to validate the debt with me within the 30 day required time under the law. Equifax has continued to aid this collection agency in breaking the law and has now also violated my rights as a consumer under the Texas XXXX XXXX by continuing to report a debt that was not validated under Federal and State law. This debt is fictitious and Equifax is just as responsible for continuing to be in the violations of the law as the collection agency by keeping it on my file. 

A separate complaint against the collection agency has been filed with your office.
Product: Checking or savings account

On or about XX/XX/XXXX, XXXX XXXX called me and " apologized for the bank charging overdraft fees and said don't worry about it, take care of your family, we will clear up the account, and he was sorry, he did not know XXXX XXXX had XXXX, she was a good customer and he knew her for a long time. '' On the other hand, the bank was well aware of the change, because I received a letter in the mail from the U.S. bank that XXXX XXXX 's 2 monthly direct deposits ( checks ) were refunded back to the senders ( companies ). No one authorized the bank to pay anything for XXXX XXXX. Aforementioned, mother XXXX on XX/XX/XXXX. They were very well aware., why would the bank continue to debit her account knowing this fact? Is it to make money off of the elderly? 

Anyway XXXX XXXX promised to clear the account with a XXXX balance, not with low funds, as if it was her practice. No one authorize the bank to pay anything, XXXX XXXX 's monthly w
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion deleted Information and put it back on my Credit Report. I filed a complaint with you all back in XXXX regarding the same thing. XXXX Im filing another one and hope that this can be resolved.
Product: Credit reporting or other personal consumer reports

I sent a complaint about a fraudulent credit card with Total visa here on cfpb, which they responded that they would have the account removed from my consumer report within 45 days. Its now been 60days and the account continues to report on my consumer report.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I was looking at my equifax credit report and noticed inaccuracies. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Debt collection

Getting robocalls 3 - 5 days a week from Municipal Services Bureau saying they are calling on behalf of XXXX County. Since XX/XX/2020, I've received 46 calls from them. The ones prior to XX/XX/XXXX, I had already deleted. ( Call log attached ) The beginning of msg is always cut off because they start talking before my recorded greeting stops. I'm asked to log onto website www.msbpay.com or call XXXX. But I need to provide a reference # & zip code to log in. Problem is, I don't have a reference # and if they are referencing one, it must be on the first part of the msg which is cut off. 
Plus I am not aware of any debt own to XXXX County, CA. I do not live or work in XXXX County nor have I ever received a ticket while driving through XXXX County.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone through all three credit reporting companies : XXXX, XXXX and Experian. I have disputed all NON ACCOUNT HOLDING HARD INQURIES. Their response to me is " in the state of Michigan we do not have to investigate or remove them if you tell them they are not authorized ... '' I asked them if they have proof of my signature on file within their building and they just blow me off. They told me " I have have to contact each and every company on my own ... '' And so I have. Attached you will see all companies and correspondence if I have heard back from them. Still, with NO PROOF OF SIGNATURE STATING I REQUESTED CREDIT FROM THEM WITH MY HAND WRITTEN SIGNATURE-anyone can sign on to a computer and say they are me-THEY REFUSE TO DELETE THEIR INQUIRY '' XXXX XXXX has been the WORSE! I don't hold an account with them. I would never inquire to have an account with them and still they insist they do not have to remove my inquiry. 

I want all inquiries NON ACCOUNT HOLDING removed or I want XXXX per offense for defamation of character and for breaking the law.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I send 609 letters to experian and XXXX for the incorrect reporting on my credit report with factual affidavit and received note from experian that the information would remain in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts showing on my credit file still These accounts are not my have failed to show proof of ownership but yet refuse to delete them
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX  - XXXX, XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX
Product: Mortgage

Wells Fargo lawsuit is for people who held accounts between XXXX and XXXX. I had a mortgage with them as well as checking account. How do I get my settlement?
Product: Vehicle loan or lease

you guys are giving false or inaccurate information knowingly and willfully because it is public records. My rights were violated on multiple charges on purchasing a red XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX VIN XXXX I called on XX/XX/XXXX, at XXXX pm just to verify some information regarding that vehicle I wanted to make sure you are into the truth of lending act meaning Regulation Z I was told yes from the manager Regulation Z means you guys are required to disclose information about all charges associated with a loan. So I went to ask the manager about the downpayment he said it is required that i ask does everyone has the same downpayment as me he said no it's based on your credit and how much you make under 15 USC 1662b - that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. meaning if you do not charge anyone else the same downpayment that's a violation of 15 USC 1662b. Then I went on to ask about you guys ' Finance Charge, I asked will there be a Finance Charge I was told yes so I said okay my finance charge would cover my down payment and the sum of all charges including insurance. 15 usc 1605 - Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. I told them that I'm here to do a consumer transaction I'm here to extend my credit to you guys and I know that Im the original creditor. You guys are doing unlawful business knowingly and willfully because it is public records. Under 15 USC 1611- gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( XXXX ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section XXXX  ( a ) ( XXXX ) ( A ) of this title, or ( XXXX ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Subject : XXXX Reporting Inaccurate Information on Credit Report Date : XX/XX/XXXX Complainant Information : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX Complaint details : Credit Bureau Involved : XXXX Account Information : Creditor Name : AutoNation Finance Account Number : XXXX Description of the Issue : XXXX has inaccurately reported information on my credit report, and despite previous disputes, the errors remain unresolved. The inaccuracies significantly harm my creditworthiness and ability to secure credit. 

Specifically, XXXX has misreported payment history for an account, showing delinquency for several months where payments were actually made or no delinquency occurred. This misrepresentation violates XXXX 's obligation under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy in consumer reports. 

As evidence, I have attached a screenshot from my XXXX account showing the inaccurate reporting for XXXX and XXXX. The screenshot highlights : A 60-day late payment incorrectly reported for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
A XXXX late payment incorrectly reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These inaccuracies have persisted despite my attempts to dispute them directly with XXXX. Additionally, XXXX failed to provide clear results of their reinvestigation or correct the errors as required by the FCRA. 

Recent CFPB Action Against XXXX : The CFPB recently fined XXXX {$3.00} XXXX for mishandling consumer disputes and failing to ensure the accuracy of information on consumer reports. My situation aligns with these ongoing systemic failures identified by the CFPB, demonstrating that XXXX continues to violate its legal obligations under the FCRA. 

Resolution Requested : I request the CFPBs intervention to ensure XXXX : Conducts a thorough and reasonable reinvestigation of the disputed items. 
Corrects or deletes the inaccurate information from my credit report. 
Provides a clear explanation of the reinvestigation results. 

Attachments : Screenshot showing inaccurate payment history ( attached ). 
Any additional evidence or correspondence available. 

I appreciate the CFPBs assistance in resolving this matter and ensuring that XXXX complies with its obligations under federal law.
Product: Debt collection

I am filing a formal complaint regarding the unauthorized reinsertion of a collection account on my credit report. The account in question was previously removed, yet it has been reinserted without any prior written notice to me, as required under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ).

Under the law, if a previously deleted account is reinserted, the credit bureau must notify me in writing within XXXX business days of the reinsertion. However, I did not receive any such notice. This is a clear violation of federal regulations. 

I am requesting that : XXXX. The credit bureau provide documentation verifying the legitimacy of the reinsertion, including the required certification from the data furnisher. 

XXXX. The account be immediately removed from my credit report if proper reinsertion procedures were not followed. 

I have attached supporting documents, including my previous credit report showing the removal of the account and my recent report reflecting the unauthorized reinsertion. 

I respectfully request the CFPB to investigate this matter and ensure compliance with consumer protection laws. Please provide me with an update on the resolution of this issue as soon as possible.
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. 


Account Name : XXXX XXXX XXXXXXXX 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 XXXX 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 XXXX 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.