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

on XX/XX/18 I called XXXX XXXXk, citi bank, and XXXX  XXXX. I have late payments and after being on the phone with them for about an hour each. we came to an agreement, that if I sign up for certain payment plans they would right then remove the late payments from my account as a one time forgiveness. XXXX said I will be put on a 3 month payment plan for XXXX each month and it will be current and reopened once completed. citi bank said they would close my account might be reopened but I would have to do an automatic XXXX dollar a month payment, and XXXX  XXXX I was able to bring up to current making them happy and promising the removal of the late payments. they would remove the late payments so when I checked in XX/XX/XXXX they would be gone. looks like XXXX completely closed my accounts which I will be ok if I can reopen them at a later date, but the bank did not remove the late payment status although I am making all payments. citi bank did close the account but I am still seeing those late payments. XXXX  XXXX did not close account but still has not removed the late payments. reason I am filing this is that it has damaged my credit score very much, and I was a young adult making mistakes being stupid for I was heart broken pretty much making those dumb mistakes everyone makes, and not understanding the seriousness of the situation. The main reason which I did bring to their attention was I was out of employment from XX/XX/XXXXto XX/XX/XXXX and during those times I was making payments and they have records of it I was just not making the minimum payment and I called them then before but they said nothing I could do, but gave me a different answer when I called in XX/XX/XXXX. as of right now I am 3 for 3 on my XXXX payments. before the unemployment I had been making every payment on time and making extra payments. I am now in the position where I can do that again but need the hard remarks removed for im buying a car, and an apartment soon.
Product: Credit card or prepaid card

I have a XXXX mastercard issued by XXXX XXXX. Rewards were not issued per terms and conditions on the account. representatives I have talked to were no help. 

Called in tonight and talk to a supervisor named XXXX with id XXXX and she was just making excuses why I was not receiveing rewards, very unhelpful, rude, didnt care. 

She closed my account after I said the only reason I am closing is because she was being unhelpful and she forfeited my rewards which were missing in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX, XXXX XXXX and XXXX XXXX. I do not have a contract with these companies and they did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened account in XX/XX/XXXX with XXXX XXXX XXXX for a used SUV. On XX/XX/XXXX I moved across the state and ended up defaulting on the loan as a result of an incident involving XXXX XXXX  from an ex boyfriend. Sometime near the middle of XX/XX/XXXX, a guy showed up at my residence and hooked up his vehicle to my SUV associated with the account from XXXX XXXX XXXX, said he works with XXXX XXXX XXXX and took off with my SUV. I never received any communication from XXXX XXXX XXXX as to the repossession of the vehicle. Nothing. Then I notice sometime later on my XXXX credit report the account with XXXX had been reported on as current ; paid or paying as agreed and listed under " satisfactory. '' The account was never reported as " repossessed. '' But I noticed a second account from XXXX XXXX XXXX was opened in the middle of XX/XX/XXXX, after I had moved across the state and there being no communication whatsoever with XXXX. It stated the " last payment made '' was in XX/XX/XXXX. I knew absolutely nothing about this account let alone having made ona single payment on this account! I noticed this second account was stemming from the initial account I opened with XXXX. XXXX XXXX XXXX took the vehicle..had the vehicle in their possession yet fraudulently opened a second account in my name and expected payment on a vehicle they repossessed! After several years, the initial account was closed then XXXX sold the fraudulent account to a debt collection agency, CBB Collections, as seen on my XXXX credit report. In true fashion, as with XXXX, I never received any form of communication whatsoever from CBB Collections as to the account they acquired from XXXX XXXX XXXX. Then on my credit report, it shows the total owed to these two companies is more than {$12000.00}! To me trying to comprehend what the heck is going on, it appears I now owe more than {$12000.00} to two different places for a vehicle that XXXX took back possession of. I refuse to take responsibility for these 2 accounts because first and foremost, I do not have the vehicle anymore, essentially it was involuntarily given it back. And second, I didn't open a second account with XXXX XXXX XXXX to sell to a debt buyer. As far as XXXX goes, I can't seem to get anymore to update my correct information including my current name.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against Experian, one of the three major credit reporting agencies. I am experiencing a significant and ongoing problem with inaccurate information on my Experian credit report. 
Experian 's Lack of Cooperation : Despite my repeated attempts to dispute this information, Experian refuses to remove it from my credit report. 
Furthermore, each time I request proof of the information 's accuracy, they fail to provide any. Instead, I am sent statements from lenders, which do not constitute actual verification of the account belonging to me. 
This lack of cooperation and inability to provide evidence has been a persistent issue for approximately two years. 
Experian 's Refusal to Review : Most concerning, Experian is now refusing to review any further disputes I submit regarding this inaccurate information. 
Violation of FCRA Rights : This refusal to investigate and remove demonstrably inaccurate information clearly violates my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA guarantees my right to dispute and have inaccurate information removed from my credit report. 
Request for Assistance : I am requesting the CFPB 's urgent assistance in investigating this matter. 
I implore you to intervene and ensure Experian removes the inaccurate information from my report. 
Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 
Sincerely, XXXX XXXX Enclosures : Experian Credit Report ( copy ) Communication with Experian ( copies )
Product: Consumer Loan

My Volvo was in a collision on XXXX/XXXX/2015. The damage resulted in the car being a total loss. The insurance paid the leasing company, US BANK, less our {$500.00} deductible. 
Our lease payment is due IN ADVANCE of use on XX/XX/XXXX ... Every payment has been made on time. I made the payment of {$470.00} for XXXX 2015 and I believe that amount should be credited to the {$500.00} deductible since I did not have use of the vehicle for the month of XXXX which I paid. I have been fighting wit US Bank for over 9 months about this and they refuse to credit the payment.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I helped my friend transferred from my business account {$20000.00} to pay the equipment for the account in XXXX. 
XXXX 2020 I did transfer {$10000.00} from my personal account to another account in china XXXX 
XX/XX/2020 I did transfer {$7500.00} from my personal account to account in XXXX. 
I didnt know all that people on the account I transferred And I just tried help my friend pay that and thought that he will pay me back but he disappear and didnt want pay my money back. And I think this is a scam they try get my money away. And I really need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge or record of  XXXX  account number  XXXX  on my credit report. I have disputed this unknown medical account with the reporting collection agent as per TransUnion instructions in their response and have no valid response. Which was shifting the burden on me which was a violation of my rights. They have failed to fulfill my request to verify this unverified account by providing physical proof of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Experian advising them that Chapter XXXX bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate. I was victim of identity theft and my filed was also mixed with someone with a similar name. I contact Experian on XX/XX/2019 around XXXX XXXX PST and spoke with a rep in disputes name XXXX ask them how they verify this bankruptcy and was told that information was verified through XXXX XXXX. Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii )  regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Experian is required to conduct investigations of disputed items with the furnisher which they have on my report as US BKPT CT CA XXXX XXXX  of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX XXXX. I contacted the US Bankruptcy Court in  XXXX XXXX, CA. They advised that no bankruptcy shows under my social security number but they are people with the same name. The court could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Experian needs to remove this bankruptcy off my credit immediately because this is not me!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX {$520.00} XX/XX/XXXX XXXX {$380.00} XX/XX/XXXX These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is extremely old. It is past the time frame to be reported on my credit report. This item is at least 10 years old yet it appears as a new account for 2019. This is fraudulent and is ruining my credit. This item needs to be deleted as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to dispute the address on XXXX XXXX. I loved at XXXX XXXX XXXX NOT XXXX!
Product: Money transfer, virtual currency, or money service

I posted an ad for a roommate to add to my lease. One guy reached out and shared a check which has more than the rental amount. I asked him why it has more money. He said the company issued a check including rent and all the travel expenses and asked me to deposit it. and also asked me to cut the rent and wire transfer the remaining amount back. I deposited the check on XXXX. I waited until the check deposit transaction is completed in my bank 's online portal then I did a wire transfer on XXXX. Now he reverted the check I deposited and I lost {$5000.00} now. 

I called my bank XXXX XXXX and requested to take action. They said they filed a case and investigate. 

Scammer details : Name : XXXX XXXX XXXXXXXX XXXX : XXXX email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Identity theft Dispute Affidavit XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -or- Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ I lost my wallet in XXXX and my identity was being used, in the process of making a purchase, I was notified of fraudulent accounts opened and addresses using my my Identity such as my name, birthdate, and social security number. Listed below are the accounts opened fraudulently and addresses illegally used. 



Address : ( listed below ) XXXX XXXX XXXX XXXX, GA XXXX Accounts ( listed below ) DEPT OF ED Account : XXXX Date : XX/XX/XXXX Balance : {$4600.00} Address : XXXX, XXXX XXXX DEPT OF ED Account : XXXX Date : XX/XX/XXXX Balance : XXXX Address : XXXX, XXXX XXXX DEPT OF ED Account : XXXX Date : XX/XX/XXXX Balance : XXXX Address : XXXX, XXXX XXXX DEPT OF ED Account : XXXX Date : XX/XX/XXXX Balance : {$6300.00} Address : XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account : XXXX Date : XX/XX/XXXX Balance : {$0.00} Address : XXXX, XXXX XXXX DEPTEDXXXX  Account : XXXX XXXX : XX/XX/XXXX Balance : {$4600.00} Address : XXXX, XXXX XXXX DEPTEDXXXX Account : XXXX XXXX : XX/XX/XXXX Balance : {$1700.00} Address : XXXX, XXXX XXXX DEPTEDXXXX Account : XXXX XXXX : XX/XX/XXXX Balance : {$6300.00} Address : XXXX, XXXX XXXX DEPTEDXXXX Account : XXXX XXXX : XX/XX/XXXX Balance : {$1700.00} Address : XXXX, XXXX XXXX DEPTEDXXXX Account : XXXX XXXX : XX/XX/XXXX Balance : {$0.00} Address : XXXX, XXXX XXXX Inquiries listed below Date XXXX XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Phone number : XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Copy of FTC report Copy of police report A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, [ XXXX XXXX XXXX XXXX ] Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other Fair Credit Reporting Act Section 605B [ PDF ] Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - reported XXXX late XXXX student loan payments in Violations of the Fair Credit Reporting Act, XXXX U.S.C. XXXX. 

They have mishandled desperately-needed federal relief granted to students under the Coronavirus Aid, Relief, and Economic Security Act, Pub. XXXX XXXX. XXXX, XXXX Stat. ___ ( XXXX  ) ( the XXXX XXXX XXXX, by, among other things, inaccurately reporting information about student loan payments that were suspended under the XXXX XXXX. 

A class-action lawsuit is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violations of reports on my credit report to all credit reporting Agencies without my consent for debts I do not owe according to HJR 192 and Public Law 73-10 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
(

2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I sent you all a correspondence via U.S. Mail XX/XX/2021 in regards to an inquiry that was reported to my credit report and you all received it on XX/XX/2021 @ XXXX. I also filed a CFPB Complaint which was submitted XX/XX/2021. You all did not respond through the CFPB, but I did receive a letter from you all dated XX/XX/2021. In my correspondence that I initially sent you all, it included a notarized Affidavit of Truth. An Affidavit of Truth is a statement of facts which you have to respond to lawfully point by point called a rebuttal. You all have not included this in your response, therefore my Affidavit of Truth stands and you must comply. You also stated in your response " your written authorization may not be required to constitute permissible purpose '' and please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. This is false. Pursuant 15 USC 1681a ( 2 ( b ) ), a hard inquiry should be excluded from a consumer report and pursuant 15 USC 1681b ( 2 ), written instruction was never given to you all to reflect a hard inquiry to my consumer report which is my right to do so. You all also allowed XXXX XXXX XXXX XXXX to have access to my consumer report without my permission or consent which is illegal pursuant to 15 USC 1681n ( b ). This is federal law that you all have been in violation of. Again I am asking that the invoice ( in the amount of {$3000.00} ) you received on XX/XX/2021 ( which was due on receipt ) is to be paid to me as a remedy in the form of a check due to you all being in violation of my rights as a federally protected consumer under Title 15 Chapter 41.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt.

* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My Housing Counselor called the Lender to assist me with funding to reinstate my loan and they hung up on her. She called the same number found on the Mortgage Statement XXXX and the automated system said they were a Company called XXXX. I gave her 2 numbers that I had dialed on my cell phone XXXX and XXXX and they came up as XXXX as well. We reached a Rep and she said that they are like XXXX, information number. I dialed the same numbers on my cellular and reached Customer Service for M & T and my Housing Counselor was then able to get information about my loan.
Product: Credit card

I filed for chapter XXXX protection 5 years ago and discharged/paid off the protection. I tried to get a home equity loan for repairs because a negitve by American Express still on my report that should be removed since they were XXXX of the creditors that were part of the bankruptcy. Why is this negative report still on my credit report.