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

I was doing my regularly credit report check and noticed that there was a strange account from AMSHER COLLECTION SERVICES on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( 9 mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Av XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

I opened a Citibank Priority account in XXXX in US through their website. Immediately after I opened my account, I had to travel to XXXX for work. I had accessed my account couple of times and things were fine. 

Recently I found that my account was locked, I called the Citi bank US personal banking customer care to unlock my account. Due to the corona issue, I generally need to wait for about 10-15 minutes before I can speak to the customer care agent. 
The representative asks me a couple of questions ( SSN, address, account balance, account opening date, account time, all the account holders name, etc ) for which I reply. Then they ask me for the account number or the debit card. I don't have either of them, since I had traveled to XXXX before I could get my Debit card of my first statement. 

They tell me that there are only the following ways in which I can get my account unlocked : 1. Come to any Citi bank in US and show my identity - like passport or Driving license. This is not possible now, because of the corona issue going on now.

2. Get access to Debit Card or statement - These are currently stuck in my mail box in USA and I'm here in XXXX. I cant travel now to get the mails. 
3. One of the agent told me that I could try to get myself verified with the Local Citi Bank ( XXXX branch ) and ask them to send an email, but when I checked with them, they stated that they would not do it. 

I call the customer care to explain my situation and that the options provided to me are not viable at this time, but they don't see to care. I tried asking them to provide me an email address or get me transferred to a higher officer who could help, but they are unresponsive and cut the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX  XXXX {$780.00} 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.00}
Product: Credit reporting or other personal consumer reports

XXXX provided a copy of my credit report to multiple companies without my authorization : -XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -M & T Bank  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX As XXXXch , it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I fell behind on my Bank of America credit card account and it went into collections. I paid the account in full in XX/XX/XXXX. Shortly thereafter the Bank of American credit card entry was removed entirely from all 3 reporting agencies. Now a year later, I received an alert that a new line of credit was reported by Bank of America. It is showing as a charge off paid in full ; however, instead of showing the original delinquency date in XXXX ; it is making it appear as if it was charged off in XXXX. Bank of America has in effect re-aged the debt. Instead of the debt dropping off my report based on the original XXXX delinquency date, they are using XXXX and added 5 years of impact to my report. This after deleting all of it a year ago.
Product: Debt collection

I moved out of XXXX XXXX XXXX XXXX in XXXX Texas over 3 years ago. When I vacated the apartment I had documentation that I had paid the apartment complex the full and complete amount that was owed. I was never contacted by the apartment complex after I moved out. However almost 3 years after I moved out I got a notification that there was a collection placed on my account. I spoke with the debt collection company who refused to furnish proof that the debt existed, all they would do is tell me that the delinquent amount was from an unpaid utility bill. They directed me to speak with the apartment complex. I spoke to the apartment complex who was unable to locate any records that this debt existed or was owed by me. I have disputed this inaccurate and false collection with all three credit bureaus and it was successfully removed from both XXXX and XXXX. The debt collector refuses to remove this same collection from my XXXX report even though they did remove it from the other XXXX. I have also filed a complaint with the XXXX in an attempt to get this collection removed from my XXXX report. I have provided written documentation from the original creditor, XXXX XXXX  XXXX XXXX XXXX, which clearly states that they have no record of this debt. 
I have requested numerous times that the debt collector furnish the documents they possess that substantiate this debt. They are legally required to provide these documents upon request and they have failed to do so.. Rent recovery solutions is in violation of the Fair Credit Reporting Act. That action might constitute fraud and disparagement of credit under both Federal and State Laws.
Product: Credit reporting or other personal consumer reports

This is my 19th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed documents with Navy Federal for an Auto Loan at 4.29 % for 72 months. The New Car Dealership that I purchased the vehicle from titled the vehicle improperly. Once notified by Navy Federal I spent 2 days tracking down the title, signing it and turning it in at one of their branches with the branch Manager. Therefore Navy Federal is in possession of the title which should have shown in good faith that I wanted this to be an amicable relationship. During this entire time, I continued to pay my contracted payment of {$1100.00} EARLY every month. Based on conversations that I have had with Navy Federal, my contracted Auto Loan with GAP  insurance has been converted to an unsecured loan at some outrageous interest rate which I never signed up for and they have continued to report my payments late to the credit bureaus although they receive their payments month in and month out. In addition, they are still charging me for GAP insurance on what they consider an unsecured loan. As someone who works in the Automotive Industry at the dealers level, I have never seen a Credit Union release funds until the Title App was properly filled out showing the bank as lienholder. Although this whole ordeal is NOT my fault, I have taken time out of my busy schedule in an effort to rectify this situation.
Product: Student loan

I set up auto pay initially on XX/XX/XXXX according to the amount of my repayment plan ( approx. XXXX per month ). I updated my autopay on XX/XX/XXXX to withdraw more than my usual repayment amount, totaling XXXX per month. This amount was properly withdrawn automatically on XX/XX/XXXX as scheduled. I got an alert yesterday from EdFinancial saying that I had 26 days of forbearance left. I did not ever apply for forbearance, so this should not be the case. Today, XX/XX/XXXX, is when my autopay should have been withdrawn. Nothing came out of my account and it is not possible to tell from the website whether I am still successfully enrolled in auto pay. Nothing about my banking information has changed so there is no reason that auto pay should have been turned off. I requested auto pay again just to be sure and made a manual payment just now since the website was saying my payment was overdue. I attached the following screenshots : 1. Confirmation that my auto payment of XXXX went through on XX/XX/XXXX along with my manual payment made today, 2. My email from XX/XX/XXXX that confirms I set up auto pay, 3. Confirmation that I am receiving the 0.25 % interest decrease for being enrolled in autopay, and 4. The alert I received about being in forbearance. Again, I did not apply for or request forbearance.
Product: Credit reporting or other personal consumer reports

PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX XXXX an upstanding citizen of XXXX, XXXX being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : XXXX XXXX XXXX. 
ACCOUNT NUMBER : XXXX The current amount owed on the account. 
{$0.00} XXXX updated Date the creditor last reported information about the account balance. 
XX/XX/XXXX The original amount owed on the account. 
{$5200.00} Date opened Indicates the date an account was opened. 
XXXX XXXX, XXXX Account type Closed. {$5200.00} written off. 
Status updated Date the creditor last reported information about the account payment status. 
XX/XX/XXXX The original amount owed on the account. 
{$5200.00} Last payment date XX/XX/XXXX Company Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number XXXX - 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE XXXX LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE XXXX ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED
Product: Credit card

I have notified the concerned authorities multiple times about fraudulent activity on my account. However, they have acknowledged receiving my complaint but have failed to take any action against it. To make matters worse, they have now reported the fraudulent account and balance on my credit report, which is not associated with me in any way. 

Despite my repeated attempts to contact them via phone and email, the XXXX department has not responded to me and has not taken any action to investigate the matter. They have also violated the credit dispute rules and regulations related to identity theft and dispute processes. 

This is a serious matter, and I strongly feel that the account and balance should be removed from my name immediately.ft and dispute processes. 

This is a serious matter, and I strongly feel that the account and balance should be removed from my name immediately.
Product: Credit reporting or other personal consumer reports

I have a few late payments from SYNCBXXXX Account : XXXX Date opened : XX/XX/year>. In accordance with the fair credit reporting act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy, 15 U.S.C. 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have NOT given anyone NO written instructions to furnish my account. Also this creditor DID NOT mail or deliver any documents stating any negative information on my account. If this creditor claims they did so, please provide me with the tracking number of the periodic statement that was mailed or delivered 21 days before my payment due date along with all the information required by section 1637 ( b ). So basically this creditor has violated my rights under THE FCRA 15 USC 1681 ( a ), 15 USC 1681s-2, 15 USC 1681n and TIMING OF PAYMENT 15 USC 1666b . Thanks for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Acct # has violated my rights. 

# XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I have reached out on number occasions on the phone to resolve this dispute that I was unaware was in collections in the amount of XXXX from XXXX XXXX XXXX also a collections from Caine & weiner in the amount of XXXX and also an inaccurate amount being displayed for XXXX XXXX XXXX  these companies are reporting inaccurate information to XXXX, XXXX, XXXX where it still remains unable to be verify accurate information for these accounts that have been marked as a collections/charge off every month still after a dispute letter still reporting inaccurate balances displayed there has not been any further update nor deletions after request to removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX at XXXX Tried to place a security freeze and was denied. 

XXXX XXXXXXXX XXXX called Experian and no one was available to respond and only reached an automated bot that led to nowhere. 

Experian is being unreasonable and creating a hardship with placing or lifting a security freeze. 

Requiring customers to provide a copy of the ID and a copy of a bill to be mailed to Experian. 

No consideration that customers don't have a copier and printer at home. Also expects customers to pay postage for a service that could have been completed online or through phone. 

Refusing to place or lift a security freeze without going through an arduous process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or eliminate the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negative late payment entries reported by XXXX XXXX on my credit report. The specific late payment information under dispute is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. This dispute is made in accordance with the following legal provisions : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into any disputed information that I bring to your attention. I am asserting that the late payment records reported by XXXX XXXX are incorrect, and I request that you conduct an investigation and remove these entries from my credit report if they can not be validated as accurate. 2. 15 U.S.C. 1681s-2 ( b ) As per the FCRA, furnishers of information, such as the institutions mentioned, are required to investigate disputes and correct any inaccurate or incomplete information provided to the credit bureaus. I request that you contact these creditors to verify the accuracy of the reported late payments. 3. 15 U.S.C. 1681b ( f ) It is prohibited for any party to access my credit report without a permissible purpose. If the creditors reporting of late payments was done inappropriately or without proper verification, the information should be promptly removed. 4. 15 U.S.C. 1666i According to the Truth in Lending Act, any inaccuracies related to billing or late payment records, once disputed, must be thoroughly investigated and corrected. If the reported late payments on my accounts with the mentioned creditors are found to be unfounded, they must be deleted immediately. 5. 15 U.S.C. 1681n If you fail to correct the inaccuracies within the required 30-day timeframe or provide a detailed explanation for your failure to do so, I reserve the right to seek damages for your non-compliance under the FCRA. 6. 15 U.S.C. 1681o In the event of any failure to comply with the investigation provisions of the FCRA, I may seek damages for negligent reporting and processing of my dispute. As a result of this dispute, I request the following actions from the credit bureaus : 1. Investigate the reported late payments from XXXX XXXX. 2. Remove the negative late payment entries from my credit report if they are not proven to be accurate after your investigation. 3. Provide written confirmation that the inaccurate information has been corrected and removed from my credit file. Please provide me with the results of your investigation within 30 days as required by law. Should you require any additional information or documentation to proceed with this dispute, please notify me promptly. I expect a full and prompt resolution of this matter in compliance with the relevant consumer protection laws.
Product: Debt collection

The company is XXXX XXXX ( Tek Collect )! This has been on my XXXX credit report since XXXX. I have added it in a bankruptcy twice now! I have repeatedly told the credit bureau to remove this for years. They do not listen. I have again recently noticed it is still on my XXXX report!! It states another update that it will be removed on XXXX. I am ready to file a law suit against them. They just don't STOP! Is there any way you XXXX be able to help with this matter? Before I call my lawyer to have this taken care of Thank you, XXXX XXXX.
Product: Debt collection

On XX/XX/2020, I submitted a dispute with Equifax to update the status on a collection account from unpaid to paid in full. I attached a letter from the collection company as proof that the said account was paid in full. On XX/XX/2020, Equifax closed the dispute and did not change the status on the account. They indicated that they verified the account belonged to 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  XXXX, XXXX/XXXX  : XXXX, XXXX  XXXX : XXXX, XXXX  XXXX : XXXX, XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX VA : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX/XXXX  : XXXX, XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case