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

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Credit reporting

his is just an ongoing event with Experian concerning the removal of address 's that I have stated many times via this portal, certified mail or even fax. I have submitted my utility bill, Drivers License, social security card, Police Report and now I am being requested once again from Experian to submit a statement that the address 's do n't belong to me, a police report and now they have added a FTC affidavit which I have attached to this portal along with everything else. I have been disputing this information since XXXX/XXXX/15 and they have outright refused to removed all of the disputed information especially with the mountain load of supporting documentation that I have sent them. I have received letter after letter stating we will have to have the furnisher verify this information first before we can remove it. Your furnisher is the reason why the information is reported incorrectly and I have submitted many documents showing your Reporting agency that it is wrong and to make it right. I am the victim of Identity theft that is why I put a fraud alert on all my credit reports and reported this to the XXXX Police station. By Law Experian your suppose to block and or delete the fraudulent information from my credit file within four days but as of today 2 months since I first disputed ou have done nothing but verify that those address ; s must stay due to your furnisher verifying the address 's and the wrong variations of my name. Your all wrong and I want the items corrected immediately. Here is the information that I am disputing once again : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXExperian, XXXX XXXX XXXX, XXXX XXXX : Consumer Dispute Dept. 

RE : Report # XXXXTo Whom It May Concern : THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request Experian to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : XXXX XXXX XXXX XXXX XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a one time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX
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. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX BANK XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/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 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 or 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

. 
I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 

On Date XXXX XXXX for {$990.00} I never opened this account when I contacted the company they didnt have all my information and they originally set it up as a payment plan the credit bureau delete the payment plan because it was fraudulent but they never delete the account I also have two bankruptcy with the same account number on my credit report a XXXX  XXXX Bankruptcy was placed on my credit report and I contacted the court and they said they never release any information to the credit bureau and they have two different dates for one bankruptcy with the same account number XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian, The information on this credit reporting platform has not been verified or permitted by me to be placed on their credit report. There are no documents with any signature of mine that states that it was okay for this platform to post or report my personal business on their site or information that they have yet to verify belongs to me. I noticed over eight addresses that do not belong to me and just as many phone numbers. I would like for this platform to send me any type of documentation that verifies this is an account that belongs to me before reporting this type of information. 
Dates : XX/XX/2023 XXXX XXXX Dates : XX/XX/2023 XXXX ( 2 ) Inquiries XXXX XXXX XXXX Dates:XX/XX/2023 There are over 8 addresses on these reports that does not belong to me and phone numbers as well. The name on these reports are spelled wrong, I also disputed that as well.
Product: Credit card or prepaid card

I got a verify your email address email at XXXX, followed with a Welcome to online and mobile banking from bank of america XXXX called to find out it was not approved but was guided to flag my social from the bank of america representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2013 I & my now ex wife signed XXXX contract $ XXXX with deposit for a vehicle from XXXX & XXXX motors in XXXX, GaXXXX During the process of my divorce, XX/XX/2013 my ex wife was in possession of the car at time I was unaware was repossed. I never received paperwork of repossession, buy back option or collections on debt. I recently found thru credit reports the account is still open for {$10000.00} XXXX incorrect amount ) with 7 years late payments. When I called to find out why account was open, who was in possession of car ( XXXX XXXX XXXX XXXX XXXX, when was it resold & how I could resolve this, I was told it didn't matter they would continue to misrepresent my account as open with late payments for as long as they pleased to ruin my credit & prove a point to people like me, which is unprofessional & illegal thru fair debt act to falsify an open account with late payments on repossed vehicle that was resold. I was unaware of the situation & was only trying to resolve the issue, which could have been resolved 7yrs ago had I known.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan today XX/XX/2020 and I was not approved due to having over 15 accounts in negative standing appearing on my credit report. I was shocked when I found out about these accounts because none of them are mine. I did not open any of those accounts and I have never allowed anyone else to open all of those accounts on my behalf. I do not have any contract or agreement with any of those companies and I have never allowed them to access my credit. I did not benefit anything from these accounts such as money, goods, services or any other benefit ; If anything, these accounts are only bringing stress and problems. I did not make any payments towards any of these accounts. I filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.
Product: Debt collection

I XXXX XXXX have been requesting and writing for the proof of judgment concerning the debt that I 've been paying for the past year and eight months stating that this debt belongs to me. In XXXX and XXXX of 2015 I have been in contact with your office requesting said judgment with the understanding that the judgment would be sent and I have yet to hear anything from your office concerning this matter. I checked my credit report and the debt was not on the report so how can i be in debt and paying something i have no knowledge of or any proof. Therefore, I am now requesting that my money be refunded in full back to me within 10 business days of receipt of this letter. If this office does not refund my money I will be forced to file a complaint with the Customer Financial Protection Bureau and the Attorney General Office.
Product: Student loan

XXXX and Navient debt collection agency is harrassing me at my work, and my bosses via personal cell phone number.
Product: Student loan

I have spoken to three different people at Aidvantage. I was told that I qualified for a payment of {$89.00} a month. So when I went to pay it was over {$400.00} that I owed. So I called and then they told me it would be {$120.00} and now it says I owe almost {$280.00}! Please help I can not afford to pay that much and I have made that clear and was told that I would be good to go with the {$89.00} payment and it has been back and forth since XXXX. I don't want to get behind on payments but need them to get it together so I can move on from this. They say do everything online but there website matches nothing that the people on the phone are saying.
Product: Debt collection

XXXX  Financial is contacting me about a debt that was included in a XXXX  XXXX plan. I am set to conclude the XXXX  XXXX with a pending discharge this coming XXXX. They were properly notified of the Bankruptcy and had ample opportunity to submit a claim. This is not the first time they have attempted to collect, as they also manipulated my credit report and updated it to Charged Off instead if " Included in Bankruptcy '' which I promptly called them on.
Product: Checking or savings account

I made a payment to XXXX XXXX through my Bank of America Checking account on XX/XX/2018. The funds were taken from my account. Later on that day I had to overdraft my account from a BofA atm. I was charged an overdraft fee for the atm withdrawal, which I agreed too. I was also charged a fee for my XXXX XXXX Payment which is very unfair. They say that it is because of the order of charges onto the account, although the funds for my XXXX XXXX payment was already taken. It is very unfair for BofA to rearrange the order of transactions and charge an additional overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was disputing or correcting items on my Innovis credit report, when I accidently pressed the wrong item. There is no delete or edit button and therefore it goes through. 

I have had to call 33 times to ask to have this fixed and each time the credit reporting agency either hangs up, disconnects or tells me a mgr will call back. Either way this does not get done. 

Today XX/XX/2021 I called, XXXX answered, listened to me then hung up. I called back again for the 34th time. 

I just need the entry Disputes : XXXX XXXX XXXX dispute in progress ( added XX/XX/2021 ) to be deleted. 
They were given my id, police report and the letter faxed in explaining the detail. Even the bank asked to have it off the report. 

They continue to keep it is dispute mode. FCRA 605b says to be deleted within 4 days, this started 3 weeks ago and was requested with the additional information over 9 days ago.
Product: Mortgage

I had hurricane damage and waited 2 years to get an additional settlement now the company won't give me any additional funds. I have been out of my home for over 2 years and am about out of money.
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. 
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 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

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting or other personal consumer reports

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

XX/XX/XXXX Bankruptcy XX/XX/XXXXBankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/scrub>/2024XX/XX/XXXX XX/XX/year>2024 XXXX XX/XX/scrub>/2024 XX/XX/XXXX XXXX/XXXX/2024 XX/XX/XXXXXXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2022 I disputed and requested debt validation on account number XXXX XXXX XXXX Solutions which claims I owe {$2500.00}. To date I've yet to receive viable evidence bearing my signature, only a response from XXXX XXXX XXXX stating that would instruct to the bureaus to delete any updates they have placed on my credit profile. Which has not been done, I've suffered tremendously due to this inaccuracy on my credit. My right to extend credit has been damaged to a great extent. As a result, I've been discriminated against and refused the following. 

XXXX. XXXX Credit card XXXX. XXXX XXXX XXXX residential According to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I'm also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.
Product: Debt collection

This company Credence Resource management is harassing me about a collection from 7 years ago from XXXX. They have never sent me a detailed bill but 7 years ago i turner in the equipment when i switched services and any remainder should have been paid by XXXX XXXX. Please help me to get this collection removed from my report. They've just now put it on my report. How can this be legal after 7 years?
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up the paper bill from XXXX 's app, but never receive any paper bill from XXXX  XXXX XXXX. because of no receiving paper statement, I miss one payment in XX/XX/2020. XXXX 's app has a bug, even you have set up the bill statement to be mail, you will not receive any bill statement. I contacted XXXX, and they told me they have no error, and never investigate their application. by the way, XXXX cancel my credit card even if my credit card has {$0.00} balance in this difficult pandemic time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act : The list of accounts provided below has infringed upon my federally protected consumer rights regarding privacy and confidentiality, as outlined in 15 USC 1681. 

The following account, identified as XXXX XXXX account number # XXXX, and XXXX account number XXXX has violated my rights. 

Section 602A of 15 U.S.C. 1681 confirms my entitlement to privacy.

Furthermore, in accordance with Section 604A, Section 2 of 15 U.S.C. 1681, it is explicitly stated that a consumer reporting agency is prohibited from furnishing an account without my written instructions.

Additionally, as per Section 5 of 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency is allowed to include certain types of information in a consumer report, except for records of convictions of crimes that occurred more than seven years before the report.

Lastly, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is mandated that no individual should provide information related to a consumer to any consumer reporting agency if they possess knowledge or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, I have sent written requests to have inaccurate information removed form my report. As of today, none has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called pheonix financial services to ask over the phone when the debt on my credit report in collections was incurred. I spoke to XXXX. They told me over the phone what it was and I never disputed the charges. Later, I saw a mark on my credit report saying a dispute was opened. I called them back and spoke to XXXX again and told her I was not disputing the charges. She told me when I called to request a letter, they automatically dispute it and told me they sent a letter to the wrong address ( one I have never lived at, so I am unsure of where they got that address ). I never requested a letter. I asked her to review the recorded phone call to see I never asked for a letter. She did, called me back and agreed, I did not ask for one. She spoke to her manager, named XXXX and they said they are unable to remove the dispute. I called multiple times with the same answer. They said it should have automatically fallen off and they don't know why it has not. I never diaputed this collection and they are reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have repeatedly attempted to settle debts that I incurred as a result of XXXX  and malice. However, XXXXXXXX XXXX  has miss reported my agreement with them and after the XXXX they put me through this is reprehensible. 
I settled the debt and mt credit needs to reflect that. 

Also ALL credit companies working on behave of Synchrony Bank refuse to deal with me. 
LAst week, Synchrony said they would follow up, and nothing. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vance & Huffman is not correcting errors on my credit report. There are so many inaccuracies that I have been disputing and they do not removed them. Isn't this a violation of the FCRA? I have a letter from them stating they are aware of the disputes. Also, I need validation of debt, a signed copy of a contract stating I owe them the alleged debt pursuant to 15 USD 1692g Sec. 809 ( b ) of the FDCPA.

It seems this company is already is violation and account should be deleted. All documents they've sent and copies of dispute letters and complaints are getting sent to my attorney. 
Thank you in advance for looking into this matter.
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 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXXXXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX -XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX
Product: Student loan

The company is XXXX, I was misinformed about the student loan forgiveness program. I felt pressured to consolidate my loans and was misinformed about the Public Service Loan Forgiveness Application. XXXX informed me that my current payments would not count towards my XXXX qualifying payment for the loan program due to me not consolidating my loans. I was informed that my five years of XXXX would not count towards the ten years of service if I did not consolidate my loans.
Product: Vehicle loan or lease

A payment plan was setup my an employee at the company and they lied about it not affecting my credit. They have a recording of the conversation and the person double verified my account would not be affected. Now I have a 30 day late payment that shows on my account its been 3 months since I spoke to them in XXXX. The issue is still not resolved.