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

Today XX/XX/2020 I visited RateGenius.com/refinance to check rates without having my credit pulled ( I am in the middle of qualifying for a home this week ). The site specifically states " Shop for a better auto loan with no impact to your credit score. You could lower your monthly payment and save some serious cash! '' This was the only reason I chose this site. I couldn't have any pulls on my report. I never had to supply my ss #. Sure enough and hour later, I have not one but two credit unions pulling my report thousands of miles away. I contacted customer service ( after having to freeze all three bureaus ) and she  stated by hitting submit I authorized this. I showed her the website page and what it states. No response. I asked for no further credit inquires and for the removal of the two on there and she said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corp as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!!
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.
Product: Debt collection

Company sent me a letter stating that I owe XXXX XXXX {$1200.00}. I have never had XXXX. The letter they stated had my name spelled wrong and a apt number. I have never lived in a apartment. I called the company and some lady tried to get force me to say that it must be my account and that I have to remember it. She went on to say that it might belong to another family member in my house that I forgot. I did record the message and I can send it if need be. I told the lady that this was on my credit report a few years ago and I disputed it and was deleted. She then went on to say that her company just purchased this. This company is some junk debt collector that doesnt care. Lady was so rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Experian failed to investigate a dispute, Experian is not investigating disputes, they just notified the creditor of the dispute and letted the creditor decides if the information reported is incorrect or not. 
Experian sent me a letter saying that : If the account was opened as a result of identity theft, the creditor may not know how to contact you to discuss this matter, the credit requested that you contact them directly ... 
And the disputed account remained in my credit report. 
I sent a letter to the credit bureau directly notifying them with an explanation of the issue, by law they should investigate my dispute in their ends but they failed to do so. 
Others Credit Bureaus investigated my dispute and deleted the information from my credit report but Experian is not doing the investigation appropriately.
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 ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Debt collection

This is not my debt this item has been removed several times for months or years and keeps reappearing without knowledge or communication. Back in XX/XX/XXXX the debt was removed from my credit and I mailed an account validation letter and disputed this debt with the credit bureaus and the collection agency several times since XX/XX/XXXX. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX still has not responded to any of my letters. All I asked was that the credit bureaus show me how they verified this debt and what sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent. debt was placed on credit profile and forced to be removed. They have replaced debt back on credit profile. I believe it to be This is not my debt this item has been removed several times for months or years and keeps reappearing without knowledge or communication. malicious at that point. This company keep calling me harassing me everyday. My address hasnt changed why I havent received anything in the mail yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have auto inquiries on my credit score that I never gave my consent to
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exsperian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : formal dispute on inaccurate information on my credit report. 
Dear Credit Report Experian, XXXX, XXXX. I am writing to formally dispute inaccurate information on my credit report that I believe is messing up my financial stability. I am aware of my rights under the fair credit reporting ack and request a thorough investigation into the accuracy, as required by federal law. Recently the, consumer financial protection bureau for the lawsuit against Experian for a failure of properly consumer disputes, citing sham investigations and other unlawful practices. These practice, as outlined by CFPB include. 
Conducting inaccurate investigations that failed to address consumer disputes properly. XXXX previously is disputed and accurate information without explanation failing to notify the consumers investigation results effectively. These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusion of accurate information on pray to report. I am deeply concerned that my dispute may easily be mishandled in a similar manner. 
Please review the information on my credit report.
Product: Debt collection

I was XXXX XXXX XXXX XXXX XXXX XXXX. I did have insurance and they told me they submitted everything through insurance which insurance said they had not. I only ever received XXXX bill I contacted them attempting to make a payment plan even though it was not processed through insurance properly. They said I would only have 12 months to pay and I would owe over {$1000.00} a month. I then made a payment and never received another bill again until now seeing this XXXX my credit. This is absolutely XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

lexisnexis consumer center provided information to XXXX XXXX is incorrect. They state I had a speeding ticket on XXXX18 I have not had a ticket in over 40 years. They state I had an accident on XXXX18. I have not. My mother was driving my car and she did have and accident my insurance company did pay. I was not there. I tried getting a hold of this company but you can not They say that they will send a copy of my report within 30 days but my insurance company cancels my policy in 17 days I paid for a copy of my driving transcript with wa state dol and there is nothing on my record XXXX is my auto company coverage and they show nothing So I want to know where they are getting this information?
Product: Mortgage

I started a cashout refinance option with Rocket Mortgage in XX/XX/2020 and during the process I was told that I needed an appraisal. So, Rocket Mortgage gave me the contact information for an appraisal. The appraisal information was sent to Rocket Mortgage and I was approved to proceed from XXXX XXXX with XXXX. The initial estimate for the appraisal was {$500.00} and I paid {$500.00} to Rocket Mortgage in XX/XX/2020. When I reviewed my paperwork, I saw the appraisal fee had been included in my loan amount for Services. I brought this to my loan officer 's attention to say I've already paid this so this should not be on there. He agreed and they included a {$500.00} credit to offset this fee. When I received my closing paperwork, on the day of closing, the appraisal fee was now {$710.00}. The closing attorney said to call the mortgage company the next day and I contacted my loan officer and he said there was nothing he could do for me to call customer service. Customer service tells me that the {$500.00} was only an estimate. I spoke to a different person and they said that there was a modification to my appraisal. 
I said, what modification? No one can answer me. Today I spoke to a different person and they tell me that my appraisal was expiring so they need a revision? I guess to make sure the house was still here? No one came back out to the house to do a second visit. And there's a difference between expired and expiring. I feel like I was misled or I'm being ripped off now. For the original charge I was given a chance to accept those charges but not for this modification for what I'm still not sure. It wasn't my fault the closing took forever, but yet they have added this fee into my loan balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against : XXXX  ; XXXX  and TransUnion. Each is reporting incorrect information on my account. XXXX they have inflated the balance of my accounts @ {$50000.00}. Additionally, I have repeatedly tried to have my credit freeze temporarily lifted so that Social Security can verify my identity and I can check my account, to no avail. I have written, called and complained, to no avail. Each of the reporting agencies indicate I am delinquent on my XXXX XXXX Credit Card, My XXXX  XXXX Credit Card, and my XXXX card. Each of these cards has a {$0.00} balance and have never been late. Further, ( 4 ) XXXX Credit Cards fraudulently obtained in my name were forgiven by XXXX and written off. I never benefited or used any of these cards nor do I have them in my possession. None of these cards have a monthly payment and I have never been late with any such payment. I never made a payment on these accounts. You can imagine the havoc this is playing with my finances.
Product: Money transfer, virtual currency, or money service

on XXXX XX/XX/2023, I sent XXXX $ to a person named XXXX XXXX XXXX ) at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get my file clear of this fraud that has been lingering for too long. 
Recently : There has been someone who use my identity to fraudulently apply for apartments ive noticed and the three credit bureaus should have seen that i live in an entirely different state. 

The followng accounts are all fraud and need to be investigated and removed. 

XXXX : XX/XX/XXXX XXXXXXXX : XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Debt collection

I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it Concerns : I want to share my current experiences with Equifax in attempting to freeze my credit. This service is free to those of us over 65, but costs others $ XXXX per request. Given the current situation, this should be free at all three services ( XXXX and XXXX being the other two ). My experience in doing this at the other two went without a hitch. Equifax has been a nightmare so far. 

I attempted to initiate a freeze at Equifax on XX/XX/XXXX. Once I was able to find the free site ( I had to use XXXX to find it since their own site kept leading me to one of their monitoring products costing {$19.00} ) I provided the needed info to confirm my identity. Then I went to a page that was to give me the PIN needed to unfreeze the account in the future. Well, the pdf that was supposed to appear did not, providing only an error message. There was no way to re-submit or refresh the page. I tried calling the companys XXXX XXXX to XXXX, 7 days-a-week, service line ( that info and number was on their website ) and was told they are only available during business hours, M-F. I also attempted to re-register for the freeze thinking it might have not gone through, but found out it did. I am now locked out from unfreezing my information for future credit checks. Needless to say, this could be problematic in the future if I need to apply for insurance or credit since they all check your credit. 

If I am able to get this fixed easily with a future phone call, I will update you. However, the prognosis for this is not good since they will probably want documentation that I am who I say I am. 

Hopefully, you can get some serious conversation going in Congress about this problem. I am tired of being used and abused by American financial companies. Its time that we took back control of our personal and financial information. Given the dangerous ramifications of this breach, it also may be time to legislate how this information is stored and by whom. New social security numbers may also be necessary for those of us who have been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified the following items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 correct : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX  XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX  XXXX Balance : {$2600.00} DEPTEXXXX XXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS XXXX which are not mine. I have sent numerous letters and made numerous phone calls to no avail. 

Here are the following dates in which these XXXX items have been addressed : XXXX XXXX XXXX
Product: Credit card or prepaid card

Went on PayPal account to find a fraudulent charge ( {$690.00} request by XXXX ). A number on the site was provided to call. When I called this number, ( XXXX - XXXX XXXX ) Unfortunately I gave my SSN and gave the guy access to my computer desktop. He told me to let a {$2000.00} for a gift card go through with my XXXX  account. Through my computer desktop he accessed my email, my PayPal account and my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XX/XX/2023