23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX of 2017 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 XXXX XXXX! Is my ONLY address
Product: Consumer Loan

This is the letter that I sent to ALLY Auto which describes the issue I sent in a Duty Change form to have my payments taken out of my account on the XXXX for each month. However, the form has not reached the Auto Department as or yet. This form was mailed 2weeks ago. In addition I was late paying my XXXX payment which was supposed to come out of my account on the XXXX instead of the XXXX. I was charged a late fee and paid the amount on the XXXX of the month a week later a payment was charged to my account even though I made the payment already which caused me to be charged a insufficient amount from my bank. I am requesting that this issue be looked into because my payment for XXXX is scheduled for XXXX/XXXX/16 even though I requested the XXXX of each month and I would like for a refund of the {$30.00} that I was charged from my bank due to your mistake. You can reach me at XXXXXXXXXXXX or XXXX. 

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

Yes this is XXXX XXXX XXXX i live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX SSN number is XXXX my information was stolen during a data breach with XXXX and after i checked my credit i found account and inquiry that was on my credit .I called the credit reporting company and they will not removed the inquiry. I Here are most of the Hard Inquiries Ir/XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/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 XX/XX/XXXX. I would love to get these items removed from my credit report this is causing my family hardship because of this.
Product: Credit card or prepaid card

I opened an American Express Gold Card in XX/XX/XXXX, with an offer to receive XXXX reward points for spending {$4000.00} in the first six months. In late XX/XX/XXXX, I noticed that XXXX points had been credited to my account. In early XX/XX/XXXX, I contacted AmEx customer service ( via web chat ) to ask whether these points were for meeting the spending requirement. Customer service confirmed with me that I had met the spending requirements. 

But then in XX/XX/XXXX, AmEx took away XXXX points from my account. I called in to ask. Customer service told me that it was because of a couple of refunds in XXXX and XX/XX/XXXX. This puzzled me, since they told me in XXXX that I met the spending requirement. If there were refunds in XXXX and XXXX, then they should not have credited the points to my account in XXXX, and should have not have told me in XXXX that I had met the spending requirement. 

The answer I received from AmEx was that there was a three-month delay in their system, resulting in the system not taking into account the XXXX refunds. I told them that this was unfair, and they promised me to conduct a review of the case. Then a couple of months later, they told me that after the review they were not going to change anything, because the system delay was not their fault. 

I believe that this is unfair treatment of customers, holding customers responsible for AmEx 's system fault. I would like to request for CFPB to investigate this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed multiple times with Equifax informing them that the account is not mine but Equifax is triple reporting the same collection. I am requesting they send me the method of verification on any calls, letter, names of associates they contacted during the previous investigation to support the outcome they provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry were made on XX/XX/2018 and XX/XX/2018. I am unsure of the loan amount. A letter was written to try in remove the inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, account number ; XXXX account name : US DEPT OF ED XXXX account number : XXXX XXXX5 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: Debt collection

I did not receive a written notice of an attempt to collect. This collection was posted on my credit report. This debt was paid in full, and I do not owe. I have disputed the debt with the credit reporting agency, but they are saying the collection agency has provided proof of debt. This debt was paid in full to XXXX XXXX on XX/XX/19.
Product: Checking or savings account

Updated report : After this transfer, I connected another bank to my XXXX account and initiated a smaller transfer of {$39.00} on XX/XX/22. This has also not been delivered to my external bank. 

As it stands the entirety of my account with XXXX is inaccessible. With no support or ATM card available from XXXX  my money is stuck in a limbo. I intend to close my account, but I can not trust them to successfully transfer my entire account if they can't even transfer {$130.00}. This is unacceptable. 

Previously reported : XXXX switched banking partners from XXXX XXXX  XXXX New York Community Bank ( NYCB ). After this change was announced, I was forced to deposit my funds to NYCB because the external accounts transfer feature was not working. After creating my NYCB account through the XXXX portal on XX/XX/22, I initiated a small transfer of {$100.00} to an external account on the same day, XX/XX/22. After nearly 2 weeks, those funds have not been delivered and XXXX has provided no support in the matter. The customer facing agents say they escalated the case, buy my {$100.00} is still missing. I have already contacted my external bank and there is no indication of a deposit from XXXX. The funds were never received by the external bank and therefore not received by me. XXXX continually dismisses the issue and says it is not their problem, yet they do not have an escalations or fraud department for me to speak to directly.
Product: Debt collection

On XX/XX/2021 at approximately XXXX XXXX I contacted PDM Collections in XXXX, FL to address a debt that appeared on my credit pertaining to an alleged water bill that was issued for payment 2 months after my move out date on XX/XX/2021. I was never informed and I was never called on the phone by the XXXX XXXX in XXXX. The agent at PDM stated that he would not remove the charge off per the clients instructions purportedly even if I paid. He also began to offer legal advice when I inquired if I needed an injunction to compell the apartments to instruct them to allow removal of the negative information after payment. He also mentioned that landlord/tenant law in Arizona does not allow me to sue the landlord and went as far as to mention the time periods in which my claims would expire. He attempted to intimidate me with his legal information and that is a clear violation of the FDCPA. I pay all my debts and have worked hard to protect my credit rating and these activities have inflicted grievous financial harm to me personally. I pray that you assist me to afford me any available remedies and impose any pertinent penalties against this company as they have numerous complaints against them for these practices and violations.
Product: Debt collection

I have mailed them multiple times with no responses regarding this debt being mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been ruining my credit. Along with several others. I have disputed the information with experian and XXXX and everything comes back verified even though its not. I didnt open up the accounts so Im trying to get these things off. I have submitted my dispute along with my updated FTC report and Experian never investigated anything everything is coming back verified the next day. Also XXXX XXXX is reporting false information on my credit report as well. They are listing my loan as a repossession when it was not. My engine completely failed the car was still under factory warranty and the manufacture paid off the loan to global lending. My car is also involved in a class action lawsuit and I showed proof of this to Experian and XXXX but they have never corrected this information and they continue to allow these companies to report false information. I am attaching proof of my identity as well since Experian said they couldnt process my dispute because I didnt give my id even though I did. Im also going to upload all of my FTC reports as well to show how long Ive been fighting to get my credit report corrected.
Product: Student loan

I attended the University XXXX XXXX from XXXX - XXXX. After graduating I had problems finding employment in the XXXX XXXX field. As a result I requested Deferment of my loans due to Unemployment. 

Federal Loan Servicing refuses to modify my credit report where they claim I missed payments on my Federal Student Loans. I wrote to them twice requesting the change. I also opened a dispute with XXXX. The following was sent to Federal Loan Servicing on XXXX XXXX. This was my second request : RE : XXXX I am writing in response to the attached letter where my request to modify credit reporting was denied. Your agency reported my account # XXXX 60 days past due on XXXX, XXXX, and 90 days past due on XXXX. 

The attached documents, which I provided previously, reveal that my account was in Deferment due to Unemployment from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX. Therefore I was not required to make payments on XXXX, XXXX, and XXXX. I again request these erroneous marks be removed per the Fair Credit Reporting Act. 

I routinely submit my payments before they 're due, have not missed a payment, enrolled in XXXX XXXX XXXX XXXX, while my accounts are in good standing. 

Please make these corrections to my credit report.
Product: Debt collection

Account opened : XX/XX/XXXX Original creditor : XXXX XXXX Account now owned (? ) by HUNTER WARFIELD XXXX Balance : {$7700.00} Date updated : XX/XX/XXXX Pay Status : Collection I called Hunter Warfield to find an account using my name and the representative couldn't find anything. She asked for my social security number which I refused to give because I wasn't sure if this company was behind this potential scam. The representative told me she could not help me out since I refused to provide them my SSN and she provided no other alternative or workaround to search up this account. I have no idea what this account is, who created it, or why it's on my credit report. The first time I even heard of this company was yesterday when I requested my credit report. I have not heard or received ANYTHING from this company before then.
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, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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 or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contest of Complaint : This CFPB Complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-2 ) that you, the transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud with in 4 business days of youreceiving this complaint. This fraudulent, inaccurate, and false information consists ofa XXXX  credit card account opened at XXXX XXXX on XX/XX/XXXX under theaccount number ( XXXX ) an auto loan opened at XXXX XXXX on XXXX XXXXunder the account number ( XXXX ). XXXX  Credit card opened on XXXX on XX/XX/XXXX under the account number ( XXXX )XXXX XXXXCredit Card opened at XXXX Card on XX/XX/XXXX under the account number ( XXXX ), XXXX  Credit Card opened XXXXXXXX XXXX  on XXXX XXXXunder the account number of ( XXXX ), XXXX  Credit Card opened aXXXX Card on XX/XX/XXXX under the account number ( XXXX ), Collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan opened at XXXX  XXXX onXXXX XXXXXXXX under the account number ( XXXX ), a collection XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of a consumer FICO credit report maintained by you which shows the aforementioned accounts, collections and hard inquiriesappearing on my consumer credit report maintained by you were not opened, madeor initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. i have attached a copy of FTC identity theftCriminal Complaint # XXXX as proof from the US federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

You are hereby put on NOTICE. 

Your credit reporting agency is reporting incorrect / inaccurate information my status of the charge off XXXX account has been filed with my 1099C and its now considered income. 

The status has changed of this XXXX account. It was charged off and I filed the 1099C and it's now earned income and income isn't reported on my consumer report. 

REMOVE IMMEDIATELY. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal purposes. Your credit reporting agency is inaccurately reporting has damaged my livelihood and my financial reputation. 

As defined, by the IRS. Even if you didnt receive a Form 1099-C, you must report cancelled debt as GROSS income on your tax return. 

The IRS clearly defines a charge off as GROSS or Ordinary Income, INCOME DOES NOT GET REPORT ON MY CONSUMER REPORT! Which in fact, makes your reporting of this account inaccurate. By definition, the IRS clearly says a Cancelled or Charge Off is income. The reporting of this account as a debt is inaccurate. I DEMAND you to Cease and Desist the reporting of inaccurate / incorrect information immediately. 

I've included and attached my 1099C on my income taxes which is now considered income. Income does NOT get placed on my consumer report. 

Charge Offs The IRS says if the amount of over {$600.00} 1099C cancellation of debt. 
I filed taxes as realized as Earned income with my 1099C. 
Income doesnt get reported on my consumer report. 
So if I got my 1099C how is it being reported as a debt. 
So if I file it as income the status of the account has changed. 
It's not debt anymore it's income I filed my taxes. If it's income it's an inaccurate account. 

According to as it pertains to FCRA is inaccurate you must take it off my consumer report. 
15 U.S. Code 1681e ( b ) - Compliance procedures | Accuracy of report 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. 

Note : The status has changed what you reported is inaccurate. So how is your consumer reporting agencies maintaining maximum possible accuracy when in an incorrect item. 

DELETE this XXXX account immediately. 

I demand XXXX and Equifax to follow the law. XXXX recently removed it or I will have to enforce in monetary with state attorney. 


I've also included a factual dispute chart with discrepancies : High Credit : XXXX {$16000.00} vs. Equifax {$30000.00} Date Last Active : XXXX XX/XX/XXXX vs. Equifax XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX vs. Equifax XX/XX/XXXX
Product: Credit card

Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Pleasesend me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTCIdentity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX XXXX : XX/XX/year> Close the unauthorized account Removeany charges on the unauthorized account, and Takesteps to remove information about this account from my credit files. 
FTCIdentity Theft Report Proof of identity Notice to Furnishersof Information Companies Involved XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX. added debt to my credit report in the amount {$1100.00}. This is not my debt. I have current open account with same company in GOOD standing at {$0.00} balance. I do not know where this other account came from. I have disputed and spoke to customer agents also have sent out a letter regarding matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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

Midland credit management It's stating that I have a debt with XXXX  XXXX XXXX  for the amount of {$610.00} Open up XX/XX/2021 and I've never had this account don't know what it is and I've been disputing this with them for a couple years now and I keep your sayinformation is correct And won't take it off And I don't know what else to do
Product: Debt collection

XX/XX/2013 my daughter was XXXX and XXXX. She was the victim of a crime and Florida was and is supposed to pay this bill. I have been fighting this for 6 years and it is on my credit report. I have given all copies years ago to XXXX XXXX where she received counseling for XXXX. I did not know this was on my credit till this past month. I have tried to end this. Please tell me why I should have to pay for a XXXX kit and injury evaluation? Please help me.
Product: Credit reporting

I have attempted to report errors on my equifax report but can get no response from them, There is an incorrect name, address and previous work in my credit report, please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I had a pre-qualified offer from XXXX XXXX to purchase a car. I took this offer to XXXX XXXX XXXX in XXXX, NC. 

The financing department at XXXX XXXX XXXX submitted multiple credit applications on my behalf without any consent. XXXX XXXX XXXX fraudlently submitted credit applications without my consent to XXXX XXXX and Bank of America. There could be more but these are the two which I received letters for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/2019 and immediately saw multiple items that were not mine being reported on my credit report. On XX/XX/2019 I sent in a letter to the credit bureau stating that I am asking for the original signed, consumer contract with my signature on it ; otherwise anyone paying for your reporting services could mail, fax or email in a fraudulent account. 
On XX/XX/2019 Equifax stated in audio during a phone conversation and in written form that the debt was validated based on Name, Date of Birth, social security number, and account number. If I am telling you that I am a victim of identity theft, anyone can open an account in my name, using my information. Equifax did not send me any proof ( original signed, consumer contract with my signature on it ). Also, they sent me the wrong information to call and write back to the creditor in which I am disputing with. The information on the credit report says that if I have any additional questions about this item, please contact ( wrong company name ), ( wrong address ).