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

To Whom It May Concern : Both XXXX  and Transunion began to report an unpaid debt on my account in the amount of {$130.00} to XXXX XXXX XXXX around XX/XX/2018. This is stunning, since XXXX  checked into my dispute regarding this account and removed it immediately. Both XXXX and Transunion, however, refused despite several phone calls and dispute filings. I do not owe that company any money. I have never missed a credit card or loan payment in my entire life, and these credit reporting companies have now reported an unpaid delinquent debt that cost me about 50 points on their credit report. I asked the credit reporting companies whether there is a judgment against me of any kind with respect to this debt. Neither XXXX  nor Transunion could find any such judgment. Nevertheless, they stated that XXXX XXXX XXXX claimed I owed money, and that was the end of the inquiry. I asked why my statement that I did not owe any money would not be held in the same regard as that company 's statement. But these companies had no valid answer. 

Furthermore, Transunion continued to add a suffix to my name that does not exist over my objection. XXXX  did the same thing. I disputed this with them, but only Transunion fixed the error. XXXX  refused, demanding personal information, which I was unwilling to send them due to their record of records ' breach ( which impacted me ). They stated  one company ( out of 50 accounts ) reported my name as XXXX, and they would take that company 's word over mine and that of 49 companies.  This was stunning, and to this day, the company continues to hold me out as someone I am not. 

I hope you can fix this! 

Sincerely, XXXX XXXX
Product: Debt collection

there are several accounts on my consumer report that are fraudulent ive sent the credit reporting agencies ftc reports identity theft affidavts and police reports and the fraudulent accounts are still being reported from XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX these accounts are fraudulent and in violation of the fcra and fdcpa and i will take legal action this seres as a notice that if theses accounts are not removed within 15 days legal action will be taken for contractual law universal law and statutory violations violations of 15 usc section 1681, 1681b, 1681 c2e,1681he and fcra section 609 and fdcpa 804b
Product: Credit reporting, credit repair services, or other personal consumer reports

an individual with my same name, social security number different by one digit and a year of birth way off than mine ( which I've also tried to dispute & nothing had happened ) This person has opened accounts at SYNCB/OLD NAVY with an unpaid balance of {$12.00} opened XX/XX/XXXX that has been charged off, I called old navy on XX/XX/XXXX but no one to help me, i then filed a dispute with the credit bureaus, one said the account is accurate and the other 2 bureaus dispute are still pending. Please I need your help I am trying to re-finance my current mortgage loan and this is affecting me from getting a much lower interest rate than what I currently have, Please help me, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several negative several negative accounts on my TransUnion report asking that they be deleted because they I have not been provided with the original documentation with my signature on it.The following accounts are : XXXX XXXX XXXX acct num : XXXX XXXX XXXX acct num : XXXX XXXX XXXX XXXX acct num : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The following inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquired on XX/XX/XXXX and XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I traded trucks at XXXX XXXX in XXXX TN. On that date they called Ally Auto to get a payoff and were quoted {$21000.00} that was good for 10 days. On XX/XX/XXXX they received that amount plus on XX/XX/XXXX another {$500.00} from an automatic payment that was not turned off. They are telling us we now still owe {$280.00} and that they told the dealership they quoted {$21000.00}. I believe the dealership over this company. Upon reading reviews I am terribly sorry that we ever did business with them.
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. 

1. Account Name : XXXX XXXX XXXX # XXXX 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 writter 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 or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$13000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681c ( c ), and 15 USC 1681i . Despite multiple disputes submitted by me, Experian has failed to correct inaccuracies on my credit report, significantly harming me financially and emotionally. Their actions align with the recent CFPB lawsuit against Experian, which highlights their pattern of conducting sham investigations into consumer disputes. 

Specific Issues with Experians Reporting : Incorrect Collection Accounts from XXXX Funding : Experian is reporting two collection accounts from XXXX Funding that I have disputed multiple times. 
These accounts include inaccurate details such as the incorrect spelling of my name and addresses that I do not associate with. 

Despite my disputes, Experian continues to report these accounts without proper validation, violating 15 USC 1681e ( b ) ( requirement for maximum accuracy ). 

Failure to Correct Personal Information : My credit report contains incorrect spellings of my name and addresses I have no association with. 
Experian has failed to remove or correct this information despite prior disputes, violating 15 USC 1681c ( c ) ( exclusion of obsolete or inaccurate information ). 

Improper Handling of Disputes : Experian has failed to conduct reasonable investigations into my disputes, violating 15 USC 1681i.

Their failure to address these inaccuracies reflects the pattern described in the CFPB lawsuit, where Experian is accused of conducting sham investigations and failing to resolve errors on credit reports. 

Emotional and Financial Harm : Experians inaccurate reporting has caused me significant emotional and financial stress, including : Denial of loans and housing applications. 
Misrepresentation of my employment history, which has affected my professional opportunities. 

Emotional distress from repeated attempts to correct these errors and the ongoing harm to my creditworthiness. 

Being denied loans and apartments due to the inaccuracies. 
Emotional distress from repeated failed attempts to resolve these issues. 
Financial hardship caused by higher interest rates and rejection from potential creditors. 
Contact Information : Full Name : [ XXXX XXXX ] Current Address : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX ] Phone Number : [ XXXX ] Email Address : [ XXXX ]
Product: Debt collection

On XXXX XXXX, 2016, I was informed by my father I received a letter at his home from the referenced collection agency. Upon calling on the same date, I spoke with a XXXX XXXX who stated my account was in a " Pre-legal state. '' I immediately asked to speak with a Supervisor and was connected with a " XXXX '' who said that they state that on all of their calls for this credit card because the creditor makes a decision if they will close the account and have their in-house attorney sue on them. 
This is a clear violation of Section 807 " False or Misleading information '' of the FDCPA, because the referenced statement implies the collection agency could sue me when it is up for the company, and even by " XXXX '' own admission the collection agency does not sue people. 
Additionally, legal action would not be immediately taken, as the attorney is required to send a letter of demand/validation notice before filing a petition with any court. 
I also feel the name XXXX XXXX XXXX is deceptive as it implies they are a location company, not a debt collection agency. 
Additionally, I have never received a validation notice regarding this account, as I stated I had moved and was never asked for an address on where to send the validation notice.
Product: Payday loan, title loan, or personal loan

I got a quote online for a personal loan through XXXX. it came back with a company called netcredit which is quoting me 94.31 % interest. How is this even legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The following companies has violated my rights. 

XXXX. XXXX  - Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXX XXXX acct XXXX 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.
Product: Debt collection

I had a XXXX account that was paid off in XXXX and closed and a XXXX account I paid off in full in XXXX. In the year XXXX I began receiving phone calls from PORTFOLIO RECOVERY saying I owed this money and they wanted a payment or bank info THAT DAY. I refused. I asked them to send me the information they had and they REFUSED. They would n't even verify my SS # or birth date over the phone. There is NOTHING on my credit report for XXXX XXXX and the XXXX XXXX account says balance is XXXX and account closed. These people have completely destroyed my credit. I REFUSE to send ANYONE money just because they call me and tell me I owe them and they want a payment today. I have tried talking to them, explaining the situation, and they tell me they want me to send them proof that I paid these off? This is at LEAST XXXX XXXX XXXX. I did n't save anything. Once I paid off my cards, closed my accounts I through it all away thinking I would NEVER need it again. I 'm at my wits end. I sent them a letter, but they are relentless and going online I have found hundreds and hundreds of people going through the same thing as I. I can not rent an apartment, buy a new car, or do ANYTHING I need credit for. I do n't know what else to do. I DO NOT OWE THIS MONEY and I believe they badger people like me to pay AGAIN knowing we can not do anything without credit. Please help me.
Product: Credit reporting or other personal consumer reports

I was incarcerated at the Minnesota Department of XXXX from XX/XX/XXXX to XX/XX/XXXX. I was recently released from prison on XX/XX/XXXX. I was incarcerated for 21 years. Theres recent derogatory items, delinquencies, credit inquiries, bank accounts, addresses, cell phone numbers and email accounts listed on my Sage Stream, LLC, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX  thats fraudulent derogatory items, delinquencies, inquiries, bank accounts, addresses, cell phone numbers and email accounts from the result of identity theft. I was in prison for 21 years and was just released on XX/XX/XXXX, so all of the information on my consumer and credit reports is fraudulent and is the result of identity theft. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Credit card or prepaid card

I have excellent credit ( >820 ) and three times I have attempted to apply for the Citi Aadvantage card.  All three times I was sent an IRS form 4506T because they needed to " verify financial information ''. The first time I submitted an application on XX/XX/20 and they sent me the IRS form soon after, and after several months of not receiving a response and regularly checking my application status online, I called in XXXX to ask what was holding up the process. They told me my application had " expired '' because they did not inform me that ( according to them ) line 3 of the IRS form I submitted was illegible. Line 3 is  for current address, which they mailed the form to in the first place, so it seems odd they could not fill that in themselves. The representative I spoke to about this told me they could see the form and that it was illegible. I asked them if any part was legible and they said no, not a single letter. I asked them to read me something from Line 2 since I wrote it in the same handwriting and they refused to even acknowledge they could see line 2. I believe they were lying for some reason that they could see the form I submitted - for what purpose I have no idea. I was told I needed to re-apply, and of course a couple weeks later they sent me a new form 4506T.

The second time I submitted form 4506T they emailed me with with a denial notice because they " couldn't verify some of the information on [ my ] application ''. When I called to ask for an elaboration the representative again said they could not process the form 4506T due to an " attestation '' box not being checked ( their words exactly ) and that I would have to submit yet another 4506T, yet the IRS form was sent to me with all the relevant boxes checked already. This time the representative told me I could email an image of the IRS form instead of mailing in a physical one which I had done the first two time. This third time I simply sent an image of the exact same form I had submitted the second time to the email address the representative  provided. After two weeks I received in an email the exact same denial letter citing that they couldn't verify information.

I have jumped through hoops for a simple credit card application. As I mentioned, I have excellent credit, and I was honest about the information on my applications. I believe they are denying me credit for some other discriminatory reason.
Product: Debt collection

New account was placed on my credit report in XX/XX/XXXX by Commonwealth Financial Services. I noticed the account and sent the company a certified letter on XX/XX/XXXX requesting information about the debt. It was signed for on XX/XX/XXXX. I never received anything from them. On XX/XX/XXXX, I disputed the debt with XXXX   as no knowledge of the debt and it came back as verified on XX/XX/XXXX. On XX/XX/XXXX, the account was closed on my credit report, but still had a balance of {$1700.00} and I filed a complaint with the XXXX  that day. Today, I received an alert that a new collection account would be going on my credit report under the name XXXX. I looked up the account and discovered that it is XXXX XXXX XXXX. I don't even know this debt is for and the company has failed to provide me with any information before or after they placed collection accounts on my credit report.
Product: Credit card

On XX/XX/XXXX, my Bank of America credit card was charged {$310.00} for an FedEx transaction that I never conducted. This is the very first charge that has ever been placed on this credit card ; I have owned this credit card for several years, but I have never used it for any transaction whatsoever. It has remained entirely dormant until the aforementioned date. Between that date and XX/XX/XXXX, I received no paper correspondence, nor paper bills, from Bank of America regarding this charge. On XX/XX/XXXX, I received my very first paper letter from Bank of America regarding an unpaid balance of {$390.00}, representing the fraudulent charge plus late fees. On XX/XX/XXXX, I placed a phone call to Bank of America 's customer service number in order to make a fraud claim regarding this fraudulent XXXX charge. As a result of the fraud claim being initiated, the bank cancelled my existing credit card and stated they would issue me a new one. On XX/XX/XXXX, Bank of America gave me an e-mail stating that my fraud claim request was received and that the first steps toward researching it were being conducted. On XX/XX/XXXX, Bank of America mailed me a new credit card. On XX/XX/XXXX, I received an e-mail from Bank of America stating that the fraud claim had been completed. After clicking the link in the e-mail to find out the result of the fraud claim, I got another link to a XXXX stating that they were unable to approve my claim. The reason given for their rejection of my claim was as follows : " Based on your account history, this charge is consistent with previous charges with this merchant '', even though I have never made ANY charge on this credit card before in all the years I have owned this credit card, let alone having done NO business with XXXX using this credit card. Thus, I now potentially owe close to, or above, {$400.00} for a XXXX transaction that I had never conducted and which is entirely fraudulent.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately. Equifax claimed that the information was verified yet the information needed to open an account was leaked through their data breach. I am wondering why certain accounts are being listed under different sources like some things are on my Equifax report but not on XXXX XXXX. I need my personal consumer report, my privacy protected and the violations to Stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE SEVERAL INQUIRIES ON MY CREDIT THAT I DID NOT SUBMIT NOR AUTHORIZE ANYONE TO SUBMIT ON MY BEHALF. I HAVE TRIED REACHING OUT TO THE COMPANIES BUT THEY ALL WERE GIVING PUSHBACK STATING I NEED TO DISPUTE WITH THE CREDIT BUREAUS. THE BUREAUS HAS YET TO RESPOND TO ANY OF MY DISPUTES AND IT HAS BEEN MORE THAN 30 DAYS. I HAVE ATTACHED A COPY OF AN ID THEFT AFFIDAVIT PACKET I FILED. PLEASE DELETE ALL NEGATIVE INQUIRIES.
Product: Checking or savings account

I previously had a checking and savings account with Chase Bank. After Chase Bank falsely verified fraudulent charges on my account I decided to close both accounts. On XX/XX/22 I transferred {$240.00} instantly into my savings account from my checking account and went into a Chase branch and withdrew all funds and closed both accounts. Neither account had a negative status and there were enough funds to cover the transfer. Again, it was instantly transferred within seconds before going into the branch to close the accounts. I checked the accounts approximately 2 weeks later to make sure they were closed and they were not. I called Chase and the customer service rep stated that the account is now overdrawn and now in a negative status because when I went to close the account on XX/XX/22 there were insufficient funds when I instantly transferred all funds from my checking account into the savings account, which is false. If there were insufficient funds, I wouldnt of been able to complete the transfer. I transferred the funds into my savings account before closing the accounts. Now Chase has overdrawn the account and expects me to deposit the funds back into the account. I would like my account reviewed and the account closed and taken out of a negative state because I do not owe Chase {$240.00}, the account was not overdrawn and I was given all of my funds out of the account by the teller when I went in to close both accounts. I returned my debit card on XX/XX/22 and did not use the account to make any withdrawals or purchases after this date.
Product: Credit reporting or other personal consumer reports

My Information was sold and bought illegally because i was a victim of the XXXX data breach back in 2017 having trouble removing the negative items on my report I want these items deleted from my Credit reports effective immediately. I am Attaching proof that XXXX has admitted that i was in fact a victim of this data breach ( XXXX XXXX XXXX ) and XXXX has done nothing. Please help me delete these illegal account from my credit reports, Accounts XXXX XXXX Closed Account # XXXX XXXX Closed Account Number XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Closed XXXX  XXXXXXXX XXXX XXXX XXXX closed XXXXXXXX XXXX Closed XXXX closed XXXX XXXX XXXX Closed Open XXXX  XXXX XXXX closed XXXX XXXX XXXX XXXX XXXX saying closed whenn they were paind in full XXXX pain in full and XXXXXXXX XXXX XXXX XXXX XXXX for XXXX never had XXXX
Product: Payday loan, title loan, or personal loan

Wells Fargo is has violated my consumer rights per 15 U.S. Code 1681m by denying me a loan based on information on my credit file.

15 U.S. CODE 1681m- Requirements on users of consumer reports. 

( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 2 ) DUTIES OF PERSON TAKING CERTAIN ACTIONS BASED ON INFORMATION PROVIDED BY AFFILIATE ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall- ( b ) Adverse action based on information obtained from third parties other than consumer reporting agencies ( ii ) does not include- ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.
Product: Debt collection

A collection account was placed on my credit in the amount of XXXX. However, after I inquired about validation of amount. The company was unable to provide validation of the amount. Additionally, they did change the amount to XXXX. These actions are suspicious in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am victim of identity theft and attached below is my FTC identity theft report. i fully authorize this notice and compliance. i have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL INQUIRIES PLEASE LOOK AT ATTACHED DOCUMENTS FOR PROPER INSTRUCTIONS THANK YOU