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

My complaint is regarding the Southern Auto Finance Company is known as ( Safco ) reporting inaccurate information on my XXXX   report. I reached out to Safco ; I spoke with XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX, regards to the {$17000.00} showing past due. I asked for account XXXX negative, inaccurate information be removed from XXXX  credit report. The first-time account was late XX/XX/XXXX. The statute of limitations has expired as of XX/XX/XXXX. Southern Auto Finance Company account is seven years, and six months expired as of XX/XX/XXXX. Safco has changed late date on account numerous times so account can keep showing on my credit report this is inaccurate negative information reporting on my credit report. 

I reached out to XXXX numerous times and request for Safco account # XXXX to be deleted from my credit account. I spoke with four agents, and one supervisor at Safco and the negative information are still reporting on this XXXX. On XX/XX/XXXX, I talked to XXXX the confirmation that was provide it # XXXX. XX/XX/XXXX, I spoke with XXXX ID # XXXX, XX/XX/XXXX, I talked to XXXX ID # XXXX she was the supervisor, and I talked to XXXX on XX/XX/XXXX, ID # XXXX. My request was to remove Safco negative, outdated, inaccurate information remove from my credit report. I also sent a letter to XXXX  requesting Safco accounts to be remove from my credit report. There are two accounts reporting from Safco with different account numbers and same amount, please see attached credit report.
Product: Debt collection

Commonwealth Financial Systems is stating that these accounts opened XX/XX/XXXX on my credit report. And that I owe money to XXXX XXXX XXXX. There is no way I can contact the hospital because they are no longer in business. XXXX XXXX bill that was supposed to be written off due to low income. I sent verification of my income and was told they would take care of balance. 

Original dates were not on my credit report, Collection agency is showing dates XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX {$1200.00} Acct # XXXX XX/XX/XXXX {$990.00} Acct # XXXX XX/XX/XXXX Credit report date XX/XX/XXXX amt- {$63.00} Acct # XXXX XX/XX/XXXX Credit report date XX/XX/XXXX {$1100.00} Acct # XXXX XX/XX/XXXX ***Credit report date XX/XX/XXXX Amount {$63.00} Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus continue to violate my consumer rights but putting inaccuration information on my credit even when i dispute the items they ignore my dispute or rquests for removing inaccurate information off my credit reports. I continue to show proof how they violating my rigths when i send letters asking to show proof of there verifications since they also say they verified the account but never get my request nor permission to do anything but remove negative information off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following note was sent to Experian website on XX/XX/XXXX and no reply was received : I want to cancel any subscription you may be holding for myself XXXX or my wife XXXX and want full refunds for all prior charges of {$21.00} each on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I would like an email reply plus a phone call at XXXX Your numerous customer service numbers on line are impossible to use and I do not wish to give you my social security number. 


The following letter was mailed to Experian on XX/XX/XXXX on XX/XX/XXXX and no reply was received : XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear Madam/ Sir : This letter is to formally dispute your monthly charges of {$21.00} from XX/XX/XXXX to XX/XX/XXXX ( inclusive for 13 times ) to receive a monthly credit report. This was not authorized by myself, my wife, or by my daughter XXXX. These charges were made against my personal credit card. 
I would like a full refund made immediately and to stop all future charges. 
I can be reached at the address, phone, and email below.
Product: Checking or savings account

Every month they were changing me a XXXX XXXX  monthly fee on my checking account and I feel that I shouldnt have to have a balance of {$500.00}. Also when I had the amount requested by the bank for that account they still charged me {$10.00} every month
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unaware of an account opened in my name. Im a victim of the equifax breach as well as identity theft. Ive disputed it with all 3 credit reporting agencies and its coming back as a charge off? The only way to contact this debt collector is a XXXX XXXX. Recently I found out it was a XXXX XXXX card that was opened in XXXX of 2018. I asked for proof of the account and how it was opened in my name and didnt receive anything on that other than this company verified it was me that opened it some how. I dont know where it came from and I dont have an explanation of that either. I never received mail, a phone call, or anything from this company how was I supposed to know about this? I noticed it XXXX of this year on my credit reports and now it looks like it reported 4 charge offs on this amount of less than {$500.00}. Ive asked for proof of everything and nothing is getting done, its making it worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : # XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Debt or credit management

I request arbitration. They told me he had XXXX settlement offers. I would like a copy of the original agreement. The last payment is not correct. That they submitted.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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: Debt collection

1. On XX/XX/XXXX, I borrowed {$420.00} from XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX account to XXXX XXXX {$330.00}. Never company tried to collect as evidenced from Credit Reports. 
2. XXXX XXXX sold account to William Rush and Associates ( amount unknown ) 3. Williams Rush reported to Credit Bureaus XX/XX/XXXX. 
4. I contacted XXXX on XX/XX/XXXX to inquire, why they had the account, and that I had not received any notice from them. 
5. I received telephone call from Ms. XXXX, and although I had questions about the amount owed, I offered to pay 1/2 of the debt in order to reverse the 61 points decreased from my credit score. I  stated that this was a one time offer, and I was not in the mood for Debt Collector games ( this money was coming out of my social security check ). Ms. XXXX stated that she would check with the original creditor to get ok. She then call me back about a week later and indicated the original creditor denied my offer. ( Game number one ) 6. On XXXX XXXX I mailed letter requesting original documents verifying the amount owed etc. ( see enclosed letter. ) 7.  The attached documents show I paid a total of {$580.00} to XXXX XXXX. This proves the original amount borrowed was paid, if they are now claiming interest etc. I need to see the original documents signed by me authorizing such an amount.
Product: Credit reporting

I called in to Experian ( spoke with a female Rep. name XXXX ) to dispute some incorrect addresses, names, and a SSN that was listed under my personal information and she refused to properly verify my dispute and correct information.
Product: Credit card or prepaid card

On XX/XX/23 I received an alert from multiple credit monitoring services I have informing me a credit pull was requested by capital one bank on behalf of a credit application completed. I never applied for a credit card recently with capital one bank. The entry on my credit reports say its for bass pro credit card. I have not applied for any card with that store or with capital one in the last year. I reached out to capital one and they informed me they cant find the application tied to me info but to report it to ftc and the credit bureaus.
Product: Credit card or prepaid card

On XX/XX/2022 - a merchant fraudulently charged {$100.00} to my American Express card. I disputed this transaction as fraudulent. On XX/XX/2022, American Express send me written correspondence saying that I am responsible for the charge based upon the documentation that was attached, yet the documentation attached was a non-descript electronic receipt, reflecting a transaction on a card with a different number, without stating what the goods are for, who ordered them, and where they were sent. Further, this does not change the fact that I DID NOT order ANYTHING from this merchant, DID NOT receive ANYTHING from this merchant, and DO NOT have any idea what this charge is for! Instead of performing its duty under the Fair Credit Billing Act, American Express tells me that I should resolve it with the merchant myself.
Product: Credit reporting or other personal consumer reports

When I ran a credit report from TransUnion in XXXX, I noticed my DOB was wrong, So I called the company. I mailed documents ( drivers license and passport ) copies to them, and verified that they received them XXXX weeks ago Monday XX/XX/XXXX. I called on Friday XXXX and Customer Service said they had received the documents and would make the correction within the week. I have called weekly since then, and each time, I was told by Customer Service that the change would be made within the week. The last time I called was XX/XX/XXXX, and I was told that the correction would be made within the week. Please help me get my personal information corrected at TransUnion, as I am in the process of applying for a mortgage.
Product: Debt collection

I have provided them with my only contact information several times. They are blocked from contacting me until i receive the validation of the debt. They are also repeatedly calling and texting my mother that has nothing to do with this. She has told them multiple times to stop contacting her. They are also reaching out to my boss ( XXXX ) that i have not worked for since XXXX of XXXX they are getting several calls and text messages. I have provided several time my direct information and requested they stop contacting anyone besides me as it is my understanding under the Fair Debt collection practices act. I am reporting ARS to every Agencey that will help.
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORRECT NAME AND PLACE OF WORK REPORTED XXXX XXXX is my correct and legal name. Equifax reports it as XXXX XXXX It also reports my past place of employment as XXXX XXXX when the correct place is XXXX XXXX These needs to be corrected asap
Product: Debt collection

The past 11 years have been filled with attempts by me to make the American Education Services aware they have a loan on file with my name and information attached that I did not sign for or agree to. I have spent 100s of hours on the phone, written letters, filed a fraud packet and still continue to have my credit with only XXXX negative mark on my report and that is AES. The was originally through XXXX. I believe they took my information from a loan application, changed the terms on the promissory note and pushed it through. I believe they then sold the loan to collect on it and AES is servicing the loan for National Collegiate Trust. I have been patient but I can no longer take the harassing phone calls, emails, letters and reports they continue to pump out in an attempt to extort money from me. I have done everything possible to make them aware of the fraudulent activity on the loan but they refuse reasonable actions. I have filed complaints with the office of the governor for the states of XXXX and XXXX. I have also contacted the AG in each state and at the federal level. I am a XXXX with limited income so hiring a lawyer is not possible. I have paid every debt I 've been attached to without fail. I have worked extremely hard to keep my file clean. I will not give in to extortion under any terms. Can you please assist in correcting this matter. I do hope you will take this statement seriously and assist in an earnest fashion. I have XXXX and XXXX so I am not ignorant about the way things work. I also grew up in XXXX and I know a scam when I see one. XXXX XXXX XXXX should be investigated for the way they handled student loans the same way they did with mortagages. AES should be investigated for ignoring client attempts to resolve the matter. National Collegiate Trust should be investigated for hiding behind AES and refusing to accept the claims of fraud I have pushed through on the loan and for failing to proved contact information as a loan owner. I have tried to locate NCT but can not find who they are or how they can be reached. PHEAA should be looked in to for ignoring complaints on a reagular basis and showing favoritism to lenders over citizens. I am extremely disappointed over the way all parties involve can push lillegal activity and never be held accountable. Their policies are in place to gain the greatest amount of money and hold attached parties in a slavery position with no remorse. All the documentation you need is in the files of AES. XXXX. NCT and XXXX.
Product: Debt collection

I HAVE NEW INFORMATION. On XX/XX/2022, I notified HAYT, HAYT, and Landau, P.L. to cease communication with me and to only notify me the ( consumer ) that they have terminated further efforts or invoked specified remedy. I also demanded that they validate this debt pursuant to the FDCPA. They have not complied ; they have continued attempts to collect this alleged debt without providing validation of the debt. on XX/XX/2022 I received statements, I notified HAYT, HAYT, and Landau, P.L. that a " statement '' is not an " invoice ''. HAYT, HAYT, and Landau, P. L 's non-compliance has violated my federally protected right to assess and validate the debt FYI ( The 139 paged statement file is too large to attach to the complaint as supporting documents ).
Product: Debt collection

XXXX Default Judgment XXXX Default Judgment XXXX Default Judgment I was never notified of this attempt to collect and contacted the attorney listed to obtain proof of service or to vacate the judgement. I was not aware, nor was I residing in the state of XXXX  so I would not have had the opportunity to contest. I want these, they have disregarded my request for proof. 

Attorney : Ras Lavrar Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Toll-Free:XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Website : https : //www.raslavrar.com
Product: Credit card or prepaid card

Bank of America some XXXX from me out of my account and they won't give it back after they promised me they would
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2021. I told the credit bureus to investigate every piece of information on the accounts I have listed below. Also, I attached the letter I sent out. I also submitted a complaint through CFPB and still these bureaus refuse to do their job according to the law. 

According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account ( s ) were verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Attached is my recent credit report with the inaccuracies highlighted.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/2020, Bank of America reversed the transaction {$76.00} which XXXX had charged me for purchasing some items in the past ; but later I returned them the items and still have the return receipt as evidence until now but XXXX didn't refund me back my due of {$76.00} even after returning their products back to them. I deserve the refund back to my original credit card payment method which I used to pay for the products which I didn't keep but returned back to XXXX for the {$76.00} refund.
Product: Debt collection

XXXX {$890.00} tried resolving. Debt is not mine
Product: Checking or savings account

A man called me impersonating a Wells Fargo representative from the XXXX department and stated that in order for me to stop further fraud charges that Id just previously reported he needed to help me stop a XXXX charge and he sent a code to my phone and asked me to verify the code then unfortunately from there he was able to XXXX XXXX out of my account and transfer it to fake account under my name to a bank in XXXX. The person was calling from a number that was appearing to be from a real wells fargo branch so I believed him
Product: Credit reporting or other personal consumer reports

Dear trans union I looked over my credit report and I see accounts that dont belong to me and I believe them to fraudulent XXXX XXXX account number XXXX XXXX XXXX XXXX  XXXX I also notice these names our not mine XXXX XXXX XXXX and XXXX XXXX My name is XXXX XXXX Also these addresses are not mine either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I have one address and these are not it. Also these numbers are not mine either XXXX, XXXX these are not my numbers I have one number
Product: Debt collection

A dispute was raised regarding the debt and only a statement was received and I was not provided with adequate proof that I owned the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am writing for Transunion to remove outdated information. Please remove the XXXX XXXX XXXX XXXX  account XXXX in the amount of {$3900.00}. As of XX/XX/2023 this item needs to be removed, for XXXX years that this has been on my credit file. Please update my credit file and send an updated copy of my credit file with the deletion of this record.
Product: Money transfer, virtual currency, or money service

Coinbase.com represented on their website, and app, that a money transfers take 3-5 business days to complete before funds are available to transfer out ( such as transferring to another cryptocurrency exchange ). After I submitted the money transfer ( on XX/XX/XXXX ) I received a confirmation email stating the funds will not be available to transfer until XX/XX/XXXX. That's 13 business days ( 17 calendar days ). 

They misrepresented the time scale by almost double. Locking up my funds, past an important date for a specific crypto investment I was going to make at another crypto exchange.
Product: Credit reporting, credit repair services, or other personal consumer reports

have been trying to get negative items removed from credit reports ; I have always paid cash for items ; have never had a XXXX XXXX account there is not contract the account is not mine would like it to be removed along with all the errorous XXXX accounts I do not have any children never been married so do not know how or why someone child support account would end up on my file and numerous time there is like 5-6 different account numbers all varies amounts, dates etc which are all invalid because I do not have any children, have contacted XXXX they state I am not in their systems and they do not send in information to credit reporting agencies so do not know how its attached to my file would like it removed immediately.