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

I am a victim of identity theft. The following collection account and credit hard inquiries are listed on my Experian, XXXX and XXXX XXXX credit report and dont belong to me : XXXX XXXX XXXX, {$390.00}, XXXX XXXX XXXX, XX/XX/2016, XXXX, XX/XX/2016. I been receiving harassing and threatening phone calls of profane language, death threats and threats of jail from XXXX XXXX XXXX representatives for a debt thats fraudulent and that I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Furthermore, its inaccurate that I missed 2 payments with XXXX XXXX XXXX, all of my payments have been on time before the due date.
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX AUTO Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

I had 2 PAID derogatory accounts on Equifax and XXXX from XXXX XXXX. I was told on multiple occasions that an e-oscar alert was submitted on XX/XX/19 to have the accounts deleted. Both were deleted from XXXX. One remains on Equifax with an original balance of {$1700.00}. Current balance is {$0.00}. I have submitted 2 online disputes with Equifax and both came back valid. When I call XXXX XXXX to give them this information, they just keep telling me to keep waiting.
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX and Experian, will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

I'm unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I have no knowledge of these accounts I seen on my XXXX, XXXX and XXXX XXXX submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a XXXX XXXXXXXX XXXX/ Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. 

XXXXXXXX XXXX XXXX  I never had a credit card in my lifXXXX XXXX XXXX XXXX Bridge crest XXXX I never lived in XXXX XXXX I live in XXXX ca. I had to come all the way out here to wait at the location until an officer came to do the report.
Product: Debt collection

This debt is Passed the statue of limitations. However, They have continued to report is as " closed derogatory ''. This should be off of my credit report since its over 7 years old.
Product: Vehicle loan or lease

CIG or AUTONATION finance have been calling people not on my application for the car loan getting my personal information out and just pretty much not being legal in the in the fact they called my husband 's first wife who has not lived in my house for over XXXX  years and all I know is her first name about me and my car loan they have called his second wife who has not lived in it in that house for over XXXX years about me and my car loan they have called his mother who is not on my application at all about me and my car loan and I'm pretty sure this is not legal
Product: Credit reporting, credit repair services, or other personal consumer reports

In my compliant against credit acceptance on XX/XX/XXXX I explained that my account was paid with my insurance but Credit Acceptance was reporting my account with a balance and as a collection. Credit Acceptance responded that they were paid by my insurance company in XX/XX/XXXX and that they reported accurately to XXXX, XXXX and XXXX. Attached is the letter they wrote to me admitting that my account was paid in full by my insurance company in XX/XX/XXXX and that they requested that the credit reporting agencies list the account as closed paid in full. 
As of todays date the Credit Acceptance is reporting my account listed with XXXX and XXXXn under a collection status and with XXXX as paid closed account/settled for less than full amount old. The proof of the above listed status is attached. I have also listed proof that Credit acceptance as of XX/XX/XXXX was listing my account to XXXX with a balance owed of {$5900.00}. 

Credit acceptance has illegally reported my account status to the credit bureaus for over a year. Credit Acceptance lied when they reported to CFPB under claim # XXXX that they listed my account as paid in full with a XXXX  balance. Credit Acceptance false reporting is against the law and has prevented me from obtaining loans and credit accounts. 

Credit Acceptance should immediately notify the reporting agencies to correct my account status to closed paid in full and leave out any and all derogatory remarks such as account settled for less than the full amount.
Product: Checking or savings account

I went to a Capital One bank location in XXXX Texas to make a {$360.00} cash deposit into my checking account using the atm. The atm was counting my cash and then kept making clicking noises. The atm screen popped up a message that the atm will not be able to except or give cash transactions and my card was returned. I got my card and then notice the atm took itself out of service. I call Capital One and made a claim to be advised it would be 10 days for a credit to be applied. I would assume since they told me that this issues are just unheard of, they would have investigated with urgency. After my first car payment was returned for NSF, I drove by the atm to see it has been serviced and back in use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the recent collection notice I received from XXXX XXXX XXXX I have previously disputed this account, but have received a response stating it has been verified. However, as per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to know the method of verification, which to date, has not been provided. 

I respectfully request that you provide me with a description of the procedure used to determine the accuracy and completeness of the information, 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, in accordance with section 611 ( a ) ( 7 ) of the FCRA. 

If this information can not be provided, I would ask that you immediately delete the disputed item from my credit report, in accordance with the FCRA. Failure to comply with federal law may result in legal action being taken against TransUnion. 

I trust you will handle this matter with utmost priority and rectify my credit report promptly. Thank you in advance for your cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I realize that my credit score is super low! Where did you get this information I didn't applied for anything. I believe that someone used my personal information
Product: Credit reporting or other personal consumer reports

The about isnarpund XXXX something i have no idea wjat this is i also did not give any qritten concent for anything that is on my credit report! Every single thing that is being reported on there i have not given written concent and it is against the law. And i need to be deleted asap. All debt is obligations of XXXX XXXX. 12 us code 411 all federal reserve note obligations are obligations of the united states. 31 us code5118 a 2 your federal reserve note problems are not my problem but the problem of the united states treasury. And i need all of it taken off and deleted. Also i will file with the ftc. For soliciting my personal informacin between companys i did not give written concent to any of the companys.
Product: Debt collection

XXXX XXXX from XXXX XXXX XXXX XXXX I never even heard of these people.. ( FRAUD )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This is XXXX XXXX, I am wondering what's going on. I sent you letters about errors on my credit report on XX/XX/022 but it seems you haven't made any action yet. You haven't even updated the status of those items on my credit report as if you totally ignored my letter. I am attaching the same documents I sent you last time so the CFPB would see them. Pls handle this matter properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Credit Bureau reporting companies including Transunion, XXXX and XXXX are not doing the public fair service. They make up false statements about a persons ability to pay back the unsecured loans. The Banks offer all kinds of credit when you dont have anything borrowed and then squeeze the door shut and blame it on the Credit Unions. If you know anything about the Mortgage Backed Securities fraud during XX/XX/XXXX-XX/XX/XXXX Financial crisis the CREDIT AGENCIES FALSLEY RATED THESE SECURITIES. So the same thing is happening to consumers and I want an thourogh investigation into this practice. XXXX XXXX XXXX is responsible for some of my anger and have opened up an investigation of their own underwriting practices # XXXX where I tell them that I have a $ XXXX/ month income with a current Credit Card debt with payments of approxiamately $ XXXX/ Month and when asking for a credit limit they come back with false excuses on how they can not even temporialy raise my credit limit. 

This in itself is FRAUDULENT and UNETHICAL. 

Please call them on my behalf.
Product: Student loan

My Navient private loans were refinanced in XX/XX/XXXX with XXXX. I no longer owe any money to Navient. However, Navient withdrew payments from my account for the month of XX/XX/XXXX and on XX/XX/XXXX of {$250.00} that I did not authorize because I no longer have loans with Navient. XXXX repayment plan is for {$240.00} per month which I agreed to. I contacted XXXX and was informed that since I did not terminate the automatic payments with Navient that they will continue to deduct funds from my account even if I did not have a loan to pay as they use a third party to collect payments. I was not informed this by Navient or XXXX until I contacted the company on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DEPT OF EDXXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} DEPT OF ED/XXXX XXXX Balance : - DEPT OF ED/XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccurate information on my credit report. XXXX XXXX  is at fault as well I have a {$0.00} balance with XXXX but as of speaking with them numerous of times I was not told about a balance thats allegedly owed until today XX/XX/year> this account is closed and was sold to a collection agency XXXX XXXX which says I owe them {$350.00} which is a different amount allegedly owed to XXXX XXXX  which was {$140.00}. This company is violation of my rights and transunion is reporting this inaccurate information on my credit report. 15 USC 1681 I never gave this company to furnish or obtain my information this is violating my rights. 15 USC 1681 ( b ) 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.
Product: Debt collection

I disputed this account with Transunion and it was investigated improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has  been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Product: Debt collection

Ive been a victim of identity tiff someone got hold of my information and used my cards I did contact the company and they told me they would take care of it, but still they want me to pay and now its on my credit report negative
Product: Debt collection

On XX/XX/2021, I received a letter from XXXX XXXX XXXX stating that my account was going to be sent to a pre-legal department. This is the first time I received communication from Credit Corp about this alleged debt. I replied back on the XXXX of XX/XX/2021 via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I requested validation of the debt and also requested the company to Cease and Desist from reporting this debt to any Credit Reporting Agency as it was not validated. 

On XX/XX/2021, I received a letter back from Credit Corp Solutions. In their letter, they acknowledged the dispute and noted that they concluded their investigation and that the information reported to the credit agencies was accurate. They also sent a terms and conditions printout as well as statements outlining consumer purchases. 
On XX/XX/2021, I responded back to Credit Corp Solutions, advising that they had still not provided any proper validation for the alleged collection account and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. Per USPS site, the letter was delivered on the XXXX of XX/XX/2021 and the return receipt indicated the same. 

As of today, XX/XX/2021, I have not heard back from Credit Corp Solutions, and they are still reporting the collection account on my Credit Report. I gave them 14 days to act accordingly but have not responded. 

How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract, and nothing has been provided. Please assist me in obtaining a resolution, thanks.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I discovered in XXXX of XXXX that I was a victim of identity theft. I immediately filed a identity theft report with the FTC and gathered all information and submitted notice to XXXX, XXXX and Equifax. The information was received but all three credit bureau 's ignored my attempts to have this corrected. I was able to get some of the fraudulent accounts removed with the original creditors but still have some that I am unable to have block. I have sent all three credit reporting agencies with notices in XX/XX/XXXX and in XXXX when subsequent identity theft was committed. All three credit reporting agencies are picking and choosing which information they will block and which they will not. I feel like this is the next step I am having to take to get this resolved before I try to take this to small claims court.
Product: Credit card

Monday XX/XX/2024 I applied for a credit card and was denied against the law with birth-given name and surname as registered owner of bank copyright.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and was disturbed to find multiple inquiries from your company that I never agreed to. These are now damaging my credit score, and this entire ordeal has caused me immense stress.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, TransUnion and Experian credit reporting agency Depute regarding inaccurate information on my credit report Dear credit reporting agencies I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well being i am aware of my rights under the fair credit reporting act and request a thorough ingestion into these inaccuracies as required by the federal law Recently the consumer financial protection bureau filed a law against Experian for its failure to properly investigate customers disputes, citing sham investigation and unlawful practices these practices as outlined by cfpb
Product: Credit reporting or other personal consumer reports

I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Product: Debt collection

I received a letter from Simm Associates regarding a debt from a creditor I 've never heard of. I have never had an account with " XXXX XXXX '' or heard of this company. There is n't any other information about this company I supposedly owe. I have tried to contact the company, however I get a recording stating they are unable to answer my call at this time.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family. Please delete these fraudulent accounts from my credit report as soon as possible.