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

Equifax has refuse to investigate the collection that's on my account open XX/XX/2017 for {$290.00} with XXXX XXXX nor has provided any written proof, my signature, picture or anything to tie me to this fraudulent account. My identity has been compromised and used for medical purposes. This is the only negative account I have on my credit report without validation. This a defamation of character and willful injury. This is also a violation by FCRA section 623 also section 609 states upon request they are required to provided information as requested to prove the account is your. This has not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. 
To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the equifax data preach and may nave gotten into the hands of the wrong person.
Product: Credit card or prepaid card

On XX/XX/2021 I used PayPal XXXX to purchase products from XXXX XXXX online. On XX/XX/XXXX I returned the products to the XXXX XXXX and was partially refunded XXXX cents to my PayPal account on XX/XX/XXXX, Transaction ID : XXXX. I contacted the XXXX XXXX and they said that the balance was refunded to PayPal and directed me to the online receipt that shows {$1900.00} was refunded to PayPal cash. I opened a dispute with PayPal to recover the refund from XXXX XXXX, XXXX and PayPal said they needed proof that the products were returned. I provided PayPal proof the tracking information from the XXXX XXXX website that showed the items were returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Legally disputed items on my credit report to the 3 credit bureaus, have not heard back from Equifax OR XXXX  in 55 days from day dispute sent. 

Sent on XX/XX/XXXX CERTIFIED XX/XX/XXXX still no response
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
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XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. AFFIRM INC Account # XXXX, ( Original Creditor : XXXX XXXX XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by AFFIRM INC Account # XXXX, ( Original Creditor : XXXX XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Payday loan, title loan, or personal loan

I obtained a {$5000.00} loan in XXXX in anticipation of having a tax bill and other expenses coming up. The girl that I signed the documents with only had me sign the signature pages and had me skip all of the other pages with the details of the loan to try to get me out of the door as soon as possible. They signed me up for online access to my account, but they did not give me any physical paperwork with an account number, loan amounts, interest rate, etc. I kept getting emails about statements being available, but didn't even have my login information that they set up on my behalf. I finally get logged in today and see that my {$5000.00} loan is listed with a {$5900.00} starting balance. I repeatedly told the girl that I did not want any insurance or any add ons on my loan. Apparently she didn't listen, the statements don't even list an interest rate, and my monthly payment is barely touching the principal on an amount that is not even correct! OneMain Financial XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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  15 U.S.C 1681 section 602 A States I have a 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 1681 c. ( 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 anteaters 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 innacurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

Company has called everyday for the past week ( XX/XX/2020 - XX/XX/2020 ). They have called 4 times today XX/XX/2020. They also call in another name - Americredit. I do not have an account with them. My account is with GM Financial. I tried to submit a complaint online but it stated that I had to call. When I attempted to call they stated that they have a very high call volume and to call their remote customer service agents. They call my cell phone and my job. I want them to stop calling me at all times.
Product: Debt collection

This account has been re-aged this account was closed in 2012 I have the original last bill I have asked for this to be removed to no satisfaction this company is violating my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor is reporting to equifax after it has already been deleted from XXXX and XXXX stating it was not my account. Filed mutiple reports with equifax and they are still not providing documentation showing it is my account and still reporting it on my credit report. This is illegal activity and needs to be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX Collection account Attatchment below shows not being reported to other two bureaus after dispute but still shows equifax please remove immediately
Product: Debt collection

I am XXXX XXXX, I am submitting this complaint for XXXX. No XXXX XXXX  is involved. Unknown account appears suspicious. XXXX XXXX stole my identity. I never gave XXXX XXXX permission to have my personal information which constitutes identity theft. This alleged account is deceptive and suspicious. No response has been provided. It has been over XXXX XXXX.
Product: Debt collection

i told them to stop calling me and they are still calling. they do call late nights and early mornings.
Product: Mortgage

Truist requested my flood policy which has an effective date of XX/XX/XXXX. I emailed it on XX/XX/XXXX. Truist is saying the coverage date is not XXXX which is wrong. You can look at my complaint history. I have issues EVERY year with SubTrust/Truist regarding my flood insurance. They are incompetent and threaten me every year they are going to force place insurance on my mortgage when I have provided proof of coverage. This is very frustrating I have to go through this every year. The only way they are able/willing to fix it is when a file a formal complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, CAPITAL ONE NA and CAPITAL ONE VIA DEALER has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XX/XX/year> CAPITAL ONE NA XX/XX/year> XXXX XXXX, XXXX  CAPITAL ONE VIA XXXX  XX/XX/year> XX/XX/year> 2023
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries have appeared on my credit report under 15 USC 16c-2. Please remove these errors.
Product: Debt collection

Hello my name is XXXX XXXX, I have received a numerous letter in the stating I have been subpoena and have and have to show up yo court, but never gave a date nor time. The on Wednesday XX/XX/ A man showed up to my house when I wasn't home. My wife answered to door and ask if I was home and my said " No '' the this unknown ( who never identified himself ) Stated ( to my wife ) " These papers are for XXXX he's been served " and then hands the papers to my wife. The man did threatened to freeze our bank account and garnish our wages. I then call the number provided and was answered by someone who claims to be a lawyer and he said if we didn't pay the debt they will continue to show up at our home and place of work. My wife and I are at a lost and we could really use some guidance. 


The name of the company BLITT AND GAINES P.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

my accounts nordstrom account number XXXX date opened XX/XX/XXXX and XXXX XXXX account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors letters.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. As previously communicated, I discovered unauthorized transactions on my account statement. Despite my diligent efforts to report and rectify these fraudulent activities, the items remain unresolved, causing me significant distress and frustration. 

I urge you to take immediate action to rectify this situation. I request that you escalate this matter to your highest authority and allocate the necessary resources to expedite the process of removing the fraudulent items from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is imperative to address the emotional distress and financial hardship caused by this ongoing ordeal. I request compensation for the inconvenience and stress endured as a result of the unresolved fraudulent items. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party, I am filing this complaint on behalf of myself as it is my legal right to do so. I have some fraudulent addresses on my credit report along with some unrecognized collections from companies I have never done any type of business with. I have moved from XXXX OHIO years ago. 

MY ADDRESS IS : XXXX XXXX XXXX XXXX OH, XXXX Please Delete the following Addresses that do not belong to me : 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 CT XXXX, XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
These are the account that I have no records of ever doing any business with these following companies : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. I have file a Police Report as well with the XXXX Police XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the letter from the creditor ( citi card ) foe which they have approved to have the 30 day late to be removed from my credit reporintings experian, XXXX have been reporting it, please help me to have them removed from their reports thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received monitor alert for things that I have no knowledge for or have applied for. All three credit reports reflected XXXX XXXX XXXX with a date of fraud starting XX/XX/XXXX with a total fraudulent amount of {$5200.00} which is now being collected by a company called Fair Collections and Outsourcing. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX XXXX, XXXX, and XXXX   with dispute letters stating I reside in the state of Texas at my current address since XX/XX/XXXX. I do not live in Illinois. I sent my identification with my signature and my proof of address. I contacted them about fraudulent accounts being on my credit report as well as XXXX XXXX XXXX and Fair Collections and Outsourcing that someone obtained an apartment in my name and I wanted this unauthorized account to be deleted. As of XX/XX/XXXX the {$5200.00} is still reporting on my credit report. This has not been removed. I have proven this is not me and I am not getting any assistance to remove these fraudulent items from my credit reports which is hurting my credit.
Product: Consumer Loan

I have a loan with Lendmark in XXXX TN. I signed up for an insurance product ( unemployment insurance. ) it was explained to me that if I lose my job my payment will be covered for 3 months. I called and was denied the service after rightfully paying for it for 7 months. I was told to come in and refinance my account and the TILA boxes nor the new contract was properly explained. 

I felt cornered to sign and accept the terms so that the creditor does not tarnish my credit.
Product: Money transfer, virtual currency, or money service

I was scammed by a used car auto sales team for a car that was never sent. I wired {$36000.00} to a XXXX account from an Axos bank account. Looking back there were red flags but I authorized the transfer unfortunately last week. The car was never sent and I have not been able to reach the XXXX XXXX XXXX after this fraud was committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided Experian with the FTC report for identity theft. I spoke to the gentleman who filed my dispute and he stated that the inquiries had to stay on the report for 2 years even though they were not made by me and if i wanted to dispute them i needed to contact the company who requested it. I explained to him that not all of the inquiries on my report contained contact info for the company that requested my information so i could not contact them, At that time he said he would file the dispute for me, im not sure how he couldn't and then all of a sudden was able to. I got one confirmation number for the dispute that was supposed to contain everything referenced on the call, The only thing disputed by him was some of the incorrect addresses, and incorrect phone number, and a soical security number that was not mine, He made no attempt to contact the companies that requested my information and did not provide me with the means to get it resolved myself, so as it stands i have no way of getting the info disputed even though it is fraudulent, XXXX  was also notified of the Identity theft and to this day still does not have a fraud warning placed on my account, XXXX put the warning out over a month ago, Experian applied one, but as of XX/XX/13 XXXX  is still allowing access to my file.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have sent all the correct information per the FCRA to remove the fraud accounts from my credit report. The disputes are not being done correctly and the FTC report is not being attached to the dispute. 

These are the accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX Balance Owed : {$270.00}.
Product: Credit reporting or other personal consumer reports

Urgent Request for Removal of Fraudulent Accounts Dear Experian Team, I am writing to inform you of fraudulent accounts that have been reported under my name and social security number, which I did not authorize. These accounts were created without my consent, and I am requesting their immediate removal from my credit report. 

**Fraudulent Accounts : ** XXXX. [ XXXX XXXX XXXX XXXX XXXX  ] XXXX XXXX. [ XXXX XXXX XXXX XXXX ] XXXX As a consumer, I am protected under the

Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), which mandates that financial institutions and credit reporting agencies safeguard my personal information and ensure that it is not misused or disclosed without proper authorization. The presence of these fraudulent accounts on my credit report is a direct violation of these protections. I demand that Experian : 1. **Remove the fraudulent accounts immediately. ** 2. **Cease the sharing of my personal information related to these accounts. ** 3. **Provide me with a copy of my updated credit report reflecting the removal of these accounts. ** Attached to this letter, you will find relevant documentation supporting my claim, including a Federal Trade Commission ( FTC ) Identity Theft Report, and any other necessary forms.

I also request that you investigate how these accounts were added to my credit file and take the necessary steps to prevent any further unauthorized use of my information.

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 6802, I expect a prompt investigation and resolution of this matter. Please confirm in writing that these accounts have been removed and provide a detailed explanation of the actions taken.

Thank you for your immediate attention to this urgent matter.

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

There 's a few credit inquiries that do n't recognize.. starting with the most recent one. 
On XXXX XXXX 2017 XXXX Creditor contact details : XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquiry from XXXX XXXX, 2017 Creditor contact details XXXX/XXXX  XXXX, MD XXXX XXXX/XXXX Inquiry from XXXX XXXX, 2017
Product: Credit card

A person walked into Kay Jewelers and decided to purchase jewelry under my name. He then decided to go to a different store, a few days later and tried to purchase more jewelry under by name, but this time, I was informed and he did not purchase anything.
Product: Credit card

Im in the military while I was XXXX there were many fraudulent charges done on the account. Coming from XXXX XXXX XXXXXXXX. Ive been calling but nothing has been done. On XX/XX/XXXX they coded the account stating I was not responsible enough. This wrong.
Product: Student loan

XXXX college send me to collections, after having a payment arrangement with them. half of the money was paid and I had payment scheduled for pay off. When the school without previous notice send me to collections and the amount owed now is doubled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of inquiries on my report from when I purchase my vehicle in XX/XX/XXXX I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX Ct XXXX! Is my ONLY address
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with the debt collector, I do not have a contract with that company. They did not provide me with the original contract as requested.
Product: Debt collection

My data was breached in the Equifax I wasn't able to submit a claim in time for a settlement all I ask is for this inaccurate reports be deleted from my record immediately via federal law