23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX OF XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. Company Inquiries : XXXX/XXXX, XXXX, XXXX/XXXX, XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX   XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

IM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE.

ACCOUNT : XXXX XXXX XXXX Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please send me an updated copy of my credit report after your. I ATTACH A SCREENSHOT WITH THE INACCURACIES THAT EACH CREDIT BUREAU IS REPORTING AS THE DATE OF THE LAST PAYMENT, THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the ( FCRA ), to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverified accounts unresolved, the ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes, these failures align with my experience where experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amend the disputed accounts as experians inaction violates federal law and my rights s a consumer
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX. XXXX Balance : {$6400.00} XXXX XXXX  XX/XX/year> XXXX CO XX/XX/year>
Product: Vehicle loan or lease

Three year lease of Volvo XXXX that ended XX/XX/year> that was financed via Volvo Car Financial Services ( " VCFS '' ). All payments for the entirety of the lease were prompt and no issues. Upon turning in the car there was a final billing of {$480.00} for the inspection of damage on the car. Sent in attempts to make payment but as they were from a Company on my behalf not processed. Months later received notice of payment still outstanding and sent another. However, it was discovered that prior to sending me the notice months later, they had already reported the amount as a charge off to the credit bureaus. From the letter and payment being resubmitted it was paid in full but it is still noted as charged off on the credit report. Despite stating they could not edit prior reports ( as they had reported it as a charge off prior to notice ), they also changed the credit report to then move the " charge off '' from the month they reported to the month it was actually paid.
Product: Debt collection

This complaint involves two separate accounts, both accounts were purchased By Portfolio Recovery Associates and both account 's share the same Original Creditor ( XXXX XXXX XXXX 

The account for the amount of XXXX doesn't match the account placed by the original creditor which States the amount is XXXX also The account placed by XXXX XXXX States the account was closed XX/XX/2018 and the date of the last payment reported by XXXX XXXX is XX/XX/2018. It also states that the account was closed by me. so they are claiming I made a payment 8 months after I closed the account. 

I did close that account, because it was a secured credit card backed with a XXXX deposit. other wise they would never have closed a " delinquent '' upon request. why XXXX XXXX sold this account to a collection agency and why the collection agency added all these extra fees is difficult to understand. 

The second account seems to have similar discrepancies. between the amount reported and the amount being collected by Portfolio Recovery services. though the difference is less then XXXX dollars, but they clearly state on their letter I uploaded that they did not add any additional charges. I also Believe, but am not definitively certain as the first account, that this was also a secured credit card as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Daily resubmission of complaint originally from XX/XX/22 until Experian ceases and desists in defying authority of CFPB in refusing to cooperate with investigation The following figures are directly from the Experian credit report Credit cards or credit lines Total balance : {$85000.00} 100 % credit usage Credit used : {$26000.00} Credit limit : {$55000.00} $ XXXXdivided by {$55000.00} equals 48 % revolving utilization ratio. 

It does NOT equal 100 % as is being falsely reported and as results in XXXXredit score being falsely reported
Product: Debt collection

I had XXXX XXXX. When i moved away i paid and closed the account. I recently had my credit pulled and i saw a collection on my credit report from XXXX XXXX. It was years ago and it was paid. I can't believe i have a collection on my report and can't seem to get it removed but i refuse to pay it again for a service i paid and cancelled.
Product: Checking or savings account

I had a savings account linked to my checking account. When funds got too low in my checking account, it was automated to pull from my savings to cover. I was being charged {$12.00} everytime funds from savings were used. Even though I agreed to have the funds sent over. I was never told of a fee.
Product: Checking or savings account

I receive checks from my employer as 1099 worker on the XXXX and XXXX of the month. The past 3 time my checks have been held for 4-5 days. I talked to Bank of America XXXX and was told because 1 of the checks was chargeback so from now on every check deposit will be put on a hold. The problem was it wasn't my fault for the chargeback. My employers went on vacation and was not able to answer the call from their bank. And it was a 1 off incident during my 6 month employment with this employer. As a 20 year customer, I feel that I am being held liable for 1 off mistake that was made by someone else. I should be able to pay bills with my hard earn money.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLIED COLLECTION SERVICES, account number XXXX is wrongfully appearing on my XXXX credit report.They are collectors for XXXX XXXX. 
At my only ever visit to XXXX XXXX I needed to have a XXXX XXXX.I pa.id {$200.00} cash at the time of service.I also had a XXXX XXXX.I provided my XXXX  government insurance card and was told that I was paid in full for the part of the work not covered by insurance.I received a prescription for XXXX, that insurance paid for. 
The debt is fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/year> Unauthorized inquiries Due to Fraud My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing in regards to JP Chase Morgan bank pulling my credit without my knowledge. I was inquiring about a credit line increase and was told via email ( see attached documents ) I would not receive a credit check if I provided certain information and the increase in credit did not go over a certain amount. I provided the information and the credit increase amount did not go over. However, JP Chase pulled my credit which I had no knowledge about, if I knew I was going to get a credit pull I would have not went through with the request however, JP Chase told me they would not and still did without my knowledge and permission.
Product: Debt collection

I got notice that a collections was placed on my XXXX credit report by IC Systems. Upon review, I found out that it 's the same account and amount that I had previously requested to be removed from my credit report. It appears that IC Systems has re-reported the same debt after they 've confirmed that it will be removed from my credit report. 

Attached are my XXXX credit report dated XXXX XXXX which shows entry of collections account from IC Systems, XXXX/XXXX/XXXX letter to IC Systems asking them to validate the debt, XXXX/XXXX/XXXX letter from IC Systems stating they will remove the account from my credit report, recent XXXX credit report dated XXXX XXXX showing that IC Systems has reported the same debt for collections. I have sent a dispute to TransUnion for this account. This debt arose from identity theft when my purse was stolen in XXXX XXXX ( in support of this, attached is the police report ).
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 any 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 : {$21000.00}XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}, XXXX XXXX XXXX  XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian as well as each company associated with the inquiries in regards to having the inquires removed because I did not authorize or consent to the inquiries or for my credit report to be ran. Each inquiry is still showing on my credit report I also have completed a fraud affidavit, report number XXXX, with inquiries still reporting on my credit report. 
Inquiries include : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3XXXX XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX In XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I sent an email ( internal to Hyundai Finance Website ) approximately a month ago warning them that they had scheduled a regular payment ( {$340.00} ) for XX/XX/XXXX though the remaining balance on loan was {$280.00} but they ignored it. On XX/XX/XXXX, Hyundai Finance debited my checking account {$340.00} by ACH transfer, that is an overpayment of {$60.00} on loan, I financed {$22000.00} at 0 % in XX/XX/XXXX, there is now {$22000.00} in payments. This overpayment is an unlawful conversion of funds, they were forewarned though it is not my responsibility to do their accounting, and I now wonder how many consumer accounts they are stealing from. I called ( XXXX ) this morning and spoke with a Supervisor named XXXX in Texas to demand that my funds be returned to me by the same method ( ACH Credit Draft ) but they refuse to comply. Furthermore, I told them to cease and desist from any future ACH debit transfers from my checking account as the loan is more than paid in full, and to send my pink slip removing them as the lienholder. I have no assurance from Hyundai Finance will do the right thing considering they have already engaged in unlawful fund  conversion. I now have to call my bank ( XXXX XXXX XXXX  ) to dispute the transaction and I will have to pay fees to stop payment on ACH debit.
Product: Debt collection

I had to ask Equifax to remove this debt from XXXX XXXX and follow suit of XXXX and XXXX. XXXX  and XXXX both have researched these claims and was unable to " validate '' this debt, Equifax is saying that the debt was " verified ''. I'm asking how were they able to validate this debt when the other two was not. They only send me a letter saying it was " verified '' not " validated ''. 

XXXX XXXX Acc # XXXX {$1000.00} Acc # XXXX {$61.00}
Product: Credit reporting or other personal consumer reports

I am compelled to express my utter dismay and consternation at the deplorable handling of my credit report dispute by Experian. Despite my submission of incontrovertible evidence, including certified mail receipts affirming their reception of my dispute documents, I was confronted with an indefensible repudiation asserting that the submissions were not authenticated as mine. This egregious dismissal of my legitimate attempt to correct palpable inaccuracies on my credit report not only impugns the credibility of the credit reporting process but also inflicts significant financial prejudice upon me. The obstinate refusal of Experian to acknowledge and rectify the errors, in spite of undeniable proof of submission, constitutes a flagrant dereliction of their obligations to ensure accurate and equitable credit reporting. Contrarily, it is noteworthy that XXXX exhibited due diligence and professionalism by promptly addressing and resolving similar disputes, underscoring the stark discrepancy in commitment to consumer rights and accuracy among these entities. How embarassing for Experian.
Product: Credit reporting

In XX/XX/2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report, but to date it has not.
Product: Credit reporting or other personal consumer reports

This is my second notice regarding this matter. I am writing to formally dispute inaccurate information related to my XXXX loans reported on my credit file.

In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( B ) and 623 ( a ) ( 6 ), I am requesting an immediate investigation and removal of these items from my credit report as they are currently negatively impacting my credit score. 
Account Details : Creditor Name : XXXX Account Number : XXXX These entries are causing considerable distress as they are inaccurately impacting my creditworthiness and potentially limiting my access to favorable financial options. Under FCRA 605 ( B ), I am entitled to have unverifiable information excluded from my report, and per 623 ( a ) ( 6 ), creditors must take reasonable steps to report only accurate information.

Please investigate these accounts and notify me of the results within the statutory 30-day period. If you can not verify the accuracy and completeness of the student loan information, I request that you delete it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, Conn 's Credit Corp. received a certified letter disputing 2 derogatory accounts on my credit report. I have NOT received any written communication from the company to date, however they have tried contacting my NUMEROUS times by phone, even after requesting they contact me by mail. On XX/XX/XXXX, I sent ANOTHER certified letter to Conn 's Credit Corp notifying them they have violated several FCRA and FDCPA rules. They failed to mark my accounts " disputed '' with the credit reporting agencies. The lack of concern to follow federal laws is very alarming. I have not to date received ANY signed contract to validate the debt. VERY ALARMING that this company feels they do not have to follow laws, and can damage a person 's credit without hesitation!
Product: Credit card or prepaid card

let me start off by telling you this is the 3rd card issued to me since i had opened it back in XX/XX/2014. there has been numerous times of fraudulent activity on this card. this time i reported as usual in which they credited me the amount and of course they will dispute it with the merchants. after they credited me the amount the merchant also credited me the amount in which the card co took back their credit, and now that the card was paid off in full, i see the fraudulent amount now back on my card but billed to me to pay.. i have call this card to get an explanation and they told me because i was credited twice and the card now paid off they were looking for that amount to be paid back to them, but i received a letter stating they were aware of the merchant crediting me and they were reversing their credit so the merchants credit would be applied. that was back in XXXX my card was paid off in XXXX. if they reversed their credit to honor the merchants isn't that a wash, they got their money back!!
Product: Money transfer, virtual currency, or money service

Paypal holds cryptocurrency of a extremely large amount that the refuse to acknowledge is on their platform. I can provide not only receipts of the transfer of funds to the account but also proof of the amount in which should be reflected. The account was hacked and the money was moved without permission. When reaching out to them the say there is no way for them to repair the situation because they refuse to acknowledge the funds and receipts.
Product: Money transfers

I was looking for a furnished apartment in XXXX to rent for summer. We are a military family and are being moved to XXXX so we wanted to spend summer in our hometown - XXXX XXXX, XXXX. I saw a furnished apt through XXXX and contacted the owner. He said he would rent me the apartment through an agency ( XXXX XXXX XXXX - using the XXXX logo ). He asked me to wire 1 month rent and 1 month deposit for a total of {$1300.00} plus {$100.00} to wire the money for a total of {$1400.00}. Since the transaction, I have not had any kind of answer from him or the supposed XXXX agency. I believe this is a scam I called Western Union but was told they could do nothing because the money had already been transferred and taken in XXXX, XXXX on XXXX/XXXX/2015. 
Please help us.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$2200.00}