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

I recently reviewed my credit profile and noticed accounts that I do not Identify with. I also noticed several inaccuracies and or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions- Congress states that a consumer report does not include, transaction or experiences between the consumer and the person making the report. How you use it is your line of credit is payment history which is considered your transaction.

Furthermore, under the Fair Debt Collection Practices Act ( 15 USC 1692b ( 2 ) is prohibited for 3rd party debt collectors to communicate with credit reporting agencies regarding the collection of debts before obtaining written consent.

The law is very clear as to the Civil liability and the remedy available to me for negligent '' noncompliance ( Under FCRA Section 617 & UNDER 15 USC 1681o ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS. These kind of errors are embarrassing and costly. I am being affected emotionally and financially because of these errors.

You have also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified with no tangible proof.

15 USC 1681 ( b ) 2 permissible purpose as it ( inquiries ) 15 USC 1681 ( s ) 2- prohibited from reporting info that they know to be inaccurate canceled debt ( charge off ) income cant be reported as debt define by IRS as gross or ordinary info.
Product: Prepaid card

XXXX XXXX XXXX said to notify them of any emails from XXXX XXXX because they are scams. i called and told them i am having identity theft issues and fraud i am trying to pinpoint. I also had them lock any online access to my account. They said they are did this. I went online 3 weeks later and it is still available to look at all my activity on my computer and other devices. I called them again today and XXXX XXXX would not acknowledge that they did or did not do anything to put a fraud alert on my account. I then needed to get all of my statements from XXXX XXXX to go over any fraud activity. My mail at my house is not coming to me for some reason so I requested they change my address temporarily to receive the statements i need. This may effect my XXXX XXXX  housing with the change of address temporarily so I am XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently attained a copy of my credit report and seen fraudulent account XXXX XXXX XXXX {$1300.00} opening XX/XX/year> account # XXXX my credit report that is affecting my ability to obtain credit.
Product: Credit card or prepaid card

This company took a payment from a card I had removed as a payment method for this account. I removed the card due to only using this card for rent. They put it back on my account themselves and proceeded to remove rent money from this card after I REMOVED IT
Product: Credit reporting or other personal consumer reports

Transunion These collections were illegally obtained in my name and nonetheless inaccurate and illegal. I have already disputed these items. Please remove these collections and inquiries listed below as soon as possible. 

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 or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute inaccurate information on my credit report as allowed under 15 USC 1681i ( 5 ) and 15 USC 1681s-2 . According to the investigation, my account had been infiltrated with fraud, and there was a breach of my account. I have reviewed my credit report from [ XXXXEquifax ] dated [ date of the report ] and have identified the following errors : 1.incorrect account information, wrong payment status, I request that the inaccurate information be investigated and corrected as soon as possible in accordance with the provisions of the Fair Credit Reporting Act.

Enclosed are copies of documents that support my claim, including I also request that a corrected copy of my credit report be sent to me and any creditors who have received my report in the last six months.

Please investigate this matter and inform me of the results of your investigation. You can reach me at XXXX or XXXX if you require any further information. 

Thank you for your prompt attention to this matter. 

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

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 US DEPT ED 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

On XX/XX/XXXX I attempted to pay off my private Sallie Mae loan. I have been struggling with payments through covid but came into money and this was the first thing I attempted to pay. I have an old email on file ( and this loan is still in my maiden name from almost 10 years ago ) I received a confirmation on the webpage that the payment had processed. They emailed me saying it actually was declined. My account had way more in it, so no reason for my bank to decline. I check my old college email about once per month so assuming I was ok I did not check again. 

When I checked my old email on XX/XX/XXXX I found something saying I would be in default today XXXX. I immediately called them right when they opened to pay again but was told " nothing they could do. '' And that I had to go through collections. They harassed me about not checking my email sooner and said it was final and I would have to take the hit on my credit. I was told that I had " accessed my account multiple times through XXXX since the payment '' THIS IS NOT TRUE. I was told " maybe your co signer accessed it. She has XXXX and is in a home so .... Also NOT TRUE. I began to get upset at this blatant inaccuracy and tried to explain but I was told I am simply wrong and there is nothing I can do. My account is currently locked and I can't access anything without a password reset or speaking to a representative. So how could I have checked? 

All I want to do is pay this loan off which has been ruining my life since college but they refuse to help me unless I go through collections which will ruin my credit.
Product: Vehicle loan or lease

I financed a vehicle through Gateway Financial back in XXXX of XXXX - since then, I have maintained an excellent payment history with them ( per the attachments below ) - never more than 1 day late. In XXXX of XXXX, I lost my job and my wife lost hers due to illness, which left us both completely out of work. Upon obtaining my vehicle, ( in which, I was rushed into signing documents and got caught in a loan that is ridiculously upside down from the very beginning ) I was told by my salesman XXXX, that if anything ever happened to just reach out to them directly and they'll be flexible with me ... ..almost 4 years later ... this was NOT the case. It has been a living horror story with XXXX  XXXX XXXX. I was able to notify and remain in good standing with all of our other creditors EXCEPT Gateway Financial. After falling on financial hardship due to loss of employment, In XXXX, I notified Gateway Financial of what happened to me and my wife - begging them for a lowered payment to try to maintain my vehicle or find out if there was any options to keep a negative impact from ruining my credit. They count the payments late but consider each month two payments because they are bi-weekly payments now versus monthly. I was in contact with XXXX XXXX ( senior account representative ) who always treated me poorly as if my financial hardship affected him directly. After speaking to him, many days I ended the phone call in tears due to the nastiness I experienced with this company. I reiterated over and over about how I've maintained an immaculate payment history with them and begged for options to avoid my vehicle being repossessed ... .after being lied to and declined for no probable cause, my vehicle was repossessed in early XXXX. After the repossession, I made contact with XXXX XXXX once again and as normal - he was very nasty to me. About 2 weeks went by without transportation, and I finally decided to call to see if there was some way of obtaining my vehicle back. Again, I spoke with XXXX XXXX and he LIED to me and advised that if I paid {$300.00} before XX/XX/XXXX - I would be able to avoid the impact of having a repossession hit my credit report and be able to hold my vehicle from going to auction. After that, I would then make payment arrangements to get my vehicle back. THIS WAS A COMPLETE LIE!!!! I have attached the proof as well. I never got my vehicle back ( it was sold ) and the payment arrangements did not stop the impact to my credit report. Gateway Financial also LIED about sending me out proper paperwork in a timely fashion, these people sent me paperwork on setting up a lowered monthly payment AFTER my vehicle was repossessed. I never received it, and I have several calls to them on a recorded line demanding my paperwork in a timely fashion. This has hurt my ability to obtain credit or move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned my XXXX XXXX lease in 2016 after lease was complete and my account was closed. My account status should not reflect late or deliquent. My account status should say closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with the agencies that are continuing to report wrong information on my credit report. I know I have every right to dispute these accounts that is severely hurting my credit and preventing me from purchasing a home and a car. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2020 XXXX XXXX I received a call from XXXX. 
The lady calling asked to speak with " XXXX '', but she asked in a form of a question, like just expecting for me to answer " yes '' ( sounded like she just wanted me to say " yes '' like a scam ). 
I didn't say " yes '' but I did let her know I was XXXX and asked her let me know what the collection was about. She would not say, but she still wanted me to say " yes ''. Her question and wording sounded tricky really insisting that I said " yes ''. 
I do not have any pending debt collectors so this is probably a scam. I told her not to call again and she just said ok.
Product: Credit reporting

XXXX is on all XXXX credit reports. 
account unknown and unauthorized use of name I want them verify my account by showing original documents
Product: Credit reporting or other personal consumer reports

15 usc 1681a2 stating you Dislike didn't give written permission to have those accounts furnished on your report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX. 
XXXX wireless XXXX Is not my account. This account pertains to someone else with a common name like mine. I have never received notification of this debt nor the opportunity to dispute. This is falsifying information on my personal account that can affect my employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

My card went missing and i didnt realize it until today, i checked my email and they said there has been deposits and money taken out again. I had {$400.00} in my bank account and its gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening the receipt of this correspondence is for data and legal purposes.

I have continued to communicate with all credit companies about fraudulent Information reported on my consumer credit report. 
Attached to this statement is evidence Data what is open from creditors and commercial companies With law enforcement Confirming missed information on my consumer credit profile.

All of the credit companies have been notified and given several opportunities to Adjust my credit report to reflect accurate information and remove Disputed accounts Some accounts have been removed some of them remain which is against the Is fair credit reporting ACT.

All credit companies have violated permissible Is purpose, Along with 611, 612, 615 and Several other consumer laws.

This notice is evidence, Of a 4th coming lawsuit.

All credit Company served in this suit are responsible for {$100000.00} Conversation to XXXX XXXX XXXX For several consumer violations. 
Everyone notified has 10 days to respond with Appropriate actions, Credit collections or a {$100000.00} payment Failure to respond will result in a executive default.
Product: Debt collection

I received an email from McCarthy, Buress & Wolff , XXXX on XX/XX/XXXX. The firm sent a letter declaring that XXXX XXXX owes XXXX XXXX {$14000.00} ; this debt is a XXXX XXXX XXXX. We have had this insurance since XXXX and terminated my insurance services with the company in the year XXXX. The XXXX XXXX  replied to the firm email, commenting that their information does not match our payroll records. We provided proof that we faxed the documents to the XXXX XXXX XXXX XXXX to XXXX XXXX but never received an answer from the company. We sent the firm our payroll records which match the IRS. We also sent them the forms that clearly state XXXX, XXXX, and XXXX XXXX to be excluded from the policy because they operate as ( Partnership ). Also, the Builders and XXXX XXXX XXXX XXXX XXXX XXXX sent us a letter in XXXX informing us they would no longer work for XXXX XXXX XXXX. XXXX knew this information and still decided to work with us knowing we didn't have an agent representing us. The payroll information is incorrect, and they can not be guessing any incorrect payroll information. XXXX never asked for the partners ' information because from the start, they were excluded. We provided the correct information, but this debt collection company wants us to pay the wrong amount. Would you please look into this matter? Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 card or prepaid card

Someone at AMEX closed the case ( Ref. No. XXXX ) and lied that I said to approve the closure of the case. I never agreed to close the case! I still have not gotten the item from the seller! Yet AMEX closed the case in favor of the seller! The seller has effectively stolen {$91.00} from me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below 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 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 have 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 an 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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Below inquiry do not belong to me. I have no accounts with XXXX XXXX XXXX  or FACTUAL DATA. To the best of my knowledge the below companies did not have my authorization to pull my credit. 

XX/XX/2021 Institution Information : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/2021 Institution Information : FACTUAL DATA No contact information has been reported by this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  XXXX XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXS ) XXXX ; Federal XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/2013 ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX ; XXXX  ( Original XXXX : XXXXXXXX XXXX XXXX ) XXXX are reporting on my personal credit file also the inaccurate name and addresses : 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 XXXXXXXX was found in my reports with Experian, XXXX and XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2021 I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts.

I need this problem fix ASAP. I should not have to wait another 45 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 45 days so they should be deleted promptly
Product: Debt collection

The electric utility supplier XXXX XXXX wrongfully charged a {$50.00} cancellation fee. Sent it to collections without telling me, then end up getting collections harassing me for the {$50.00} that I don't owe. Collections company Credit Service International Corporation doesn't seem to care that the fee was reversed/cancelled and still asking me for the money. 

What makes it worse, is that the female individual that contacted me from Credit Service International Corp. is yelling at me like a criminal and basically under the assumption that I'm lying. That's messed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have sent three certified letters to Experian in order to receive my free credit report. I have not received a reply to any of them. I sent them a copy of my Drivers License, proof of residence as well. I have been declined for a loan and I need to see the actual reporting from this Bureau. I have received reports from XXXX XXXX, and XXXX already. 

Thank You,
Product: Debt collection

This Debt is not owed by me resulting in Identity Theft. Amount XXXX XXXX is trying to collect is {$930.00}. The address of this debt was from XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX. I have never lived outside the state of California. 
Nor do I know anyone living in Louisiana. The date of this debt was incurred on XX/XX/XXXX and was closed on XX/XX/XXXX. The account number in reference is XXXX. This is the 5th debt incurred with the theft of my identity in other states. I am a notary in the state of California and have had background checks done once a year.