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

On XX/XX/2021 I traded my least XXXX XXXX for a financed XXXX XXXX. A month later I got a 30 days late payment notice for the least XXXX. I had not owned the car for over 3 weeks when I was contacted about the payment. When I called the dealer they said they made a mistake and had forgotten to pay it off. This should not be on my credit report as I did not own the vehicle at the time of late payment by several weeks. XXXX XXXX XXXX was the leasing company for the traded vehicle. When I asked them and explain to them that the dealer had the car and I had signed it over on the XXXX they said they can not do anything about it. I would like this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, EXPERIAN a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX Account NumberXXXX XXXX XXXXXXXX Account NumberXXXXXXXX XXXX XXXX  Account Number:XXXXXXXX XXXX XXXX Account Number:XXXX  these accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, and or hard inquiries as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
Product: Credit reporting

Equifax has changed the reporting of an account I have with XXXX. I have filed complaints previously on this and they last corrected it in XX/XX/XXXX only to be reporting it again as in collections. this account has been discharged in a chapter XXXX bankruptcy and is almost at the 7 year reporting mark do be deleted. this has continued to cause me severe harm in my working to establish credit and appears like it is done on purpose to cause harm and is violating the bankruptcy discharge.
Product: Debt collection

XXXX XXXX XXXX has a partnership with Synchrony Bank which caused Synchrony bank to charge me {$10000.00} in financing for a project that New Age Security was getting ready to work on for me. Before the project began, XXXX XXXX XXXX informed me that I would have to pay a processing fee of {$1700.00} before financing could be processed, so I withheld on paying that processing fee so the financing would not be processed. It came to my knowledge that XXXX XXXX XXXX and Synchrony Bank went ahead and processed the financing without me even paying that {$1700.00} processing fee. They did this without my consent or knowledge. Since, I cancelled the project before it started, they are claiming that I owe them {$2600.00} for the work they already did. I did not consent for them to process anything and they insisted that I pay for the work they already completed. So, they insisted on sending their completed work to my place of residence, which they never sent. Which then again proves that they are trying to cover up that they processed that financing illegally. Initially they charged me {$10000.00} fraudulently and I called and resolved it, then they went back about a month afterwards and fraudulently charged me {$2600.00}. My guess would be that they agent I was working with ( XXXX XXXX XXXX went ahead and paid the processing fee on his own so that he could gain his commission from the sale very quickly. This fraudulent debt has hardened and prevented my process of purchasing my new home amongst many other things.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a collection account reported by XXXX XXXX, which appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the information on consumer reports is accurate. I have previously reached out to XXXX XXXX in an attempt to verify this debt. However, they have been unable to provide the necessary documentation to substantiate the validity of this debt. 

Because XXXX XXXX has failed to verify this account, I request that you remove this collection account from my credit report immediately, as it is inaccurate and unverifiable. Reporting unverified and inaccurate information violates my rights under the FCRA.
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, accounts which are 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. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business and transaction for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For Identity verification, I attached my Valid ID. Please see attachment.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

In XXXX 2015 I began disputing an inquiry from a company called XXXX XXXX on my experian credit report. I sent 2 letters to XXXX advising them that there was no need to pull my credit as such this inquiry they report to Experian was unauthorized. I also sent 2 letters to Experian regarding this and they have done absolutely nothing about this. I demand they remove this unauthorized inquiry off my credit report immediately. I am enclosing copies of letters I sent to both experian and XXXX with certified receipts as proof they received me correspondence.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries listed below from my credit report. As a victim of identity theft stemming from a data breach, I invoke my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These laws mandate the immediate removal of fraudulent information from consumer credit reports. 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$3400.00} Fraudulent Inquiries 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 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 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 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: Debt collection

Portfolio Recovery calls me repetitively every single day, I've asked them to cease and desist all contact to that phone number, 4 times week alone, approximately 20 times total. They continue to call every day, all hours of the day and evening from.different phone numbers and area codes. I have call logs showing the frequency of the calls. I've gone as far as making the person on the phone look up the definition of the words Cease and Desist on more than one occasion and they continue to call repetitively. I've threaten legal recourse and they still continue to harrass me.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. { XXXX XXXX XXXX ( Account number XXXX } balance XXXX XXXX XXXX data reported to courts on XX/XX/XXXX = Claim amount $ XXXX Balance Owed {$82.00} Final Payment and Case History reported from the XXXX  on XX/XX/XXXX = Balance Due XXXX I do not have a contract with this company and I don't owe the debt, the last active, payment status, and last payment date and balance are inaccurate. Please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as [ The semi report from XXXX from Bankruptcy showing balance owed, the report for dismissal in XX/XX/XXXX showing remaining balance. 
Please ensure that these documents are taken into account during your investigation. According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 

This letter serves as my XXXX formal dispute and its crucial to maintain a record of your communication and update my consumer report to prevent small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX OTHER NAMES LISTED DO NOT BELONG TO ME XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OTHER ADDRESSES THAT DON'T BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX  GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, EMPLOYERS THAT DON'T BELONG TO ME : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX XXXX XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This is a list of companies that are on my credit that are reporting on my credit that are not mine. I am having issues getting these accounts removed. It is severely hindering me from living the life I deserve. I am willing to pursue this in a court of law if this isnt resolved in a timely matter.
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 ( Acct # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX : ( acct # 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, credit repair services, or other personal consumer reports

I previously filed an FCC complaint on XXXX for erroneous billing and failure to credit my account properly. After the depute my bill was credited and it resulted in a XXXX balance.Afterwards I ported to a new company and returned 2 years later. The bill wasnt mentioned and there were no adverse effects when I ported back to XXXX. Almost a year in and collections agency has listed the item on my credit report. XXXX advises the issue was resolved and they aren't showing compensation due on the amount. However, Experian is the only credit reporting agency that refuses to remove it even after several disputes have been entered. In fact they have blocked me from further filing in the matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

since XXXX, these companies have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the companies are currently reporting to the three credit bureaus that I had applied for credit with their organizations. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 

These inquiries have affected my credit dramatically. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These companies have requested a copy of my report without my consent. 

These are the following UNAUTHORIZED AND INACCURATE credit inquiries ( Validation is needed ASAP ) : XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies Cbna TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

Cbna TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX Credit Card Cos. 

XXXX/cbna TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX XXXX XXXX, XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries XXXXXXXX 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

XXXX took {$2300.00} from my checking account. I have been unable to get my money back. Which made my account go into the negative. The bank closed my account and now has filed with XXXX XXXX to get the negative amount from me. Which its not my fault its XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request for Immediate Removal of Inaccurate Information Due to Data Breach To Whom It May Concern, I am writing to formally request that Equifax Credit Bureau investigate and immediately correct inaccuracies on my credit report associated with my identity, which was compromised in XXXX data breach in XXXX. The breach resulted in my personal information being exposed and has since led to multiple inaccuracies and erroneous accounts on my credit report, all of which Equifax has thus far failed to remove despite multiple requests. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, mandates that credit reporting agencies, including Equifax, are responsible for ensuring maximum accuracy in credit reports and addressing any disputes promptly. According to FCRA guidelines, inaccurate or unverifiable information must be corrected or deleted within 30 days of a consumers dispute. However, XXXX refusal to remove inaccurate information caused by its own negligence in safeguarding my data reflects a breach of duty. 

Relevant Case Law In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that credit bureaus have a duty to conduct reasonable investigations when a consumer disputes inaccurate information. Further, the court found that failure to properly investigate and correct inaccuracies can result in liability for the credit bureau. The XXXX case demonstrates that Equifax has a duty to verify the legitimacy of information on my credit report and that failure to do so may expose Equifax to legal consequences. 

Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court upheld that failure by credit reporting agencies to protect consumers personal information and provide accurate reports can be grounds for significant legal consequences under FCRA. Equifaxs data breach in XXXX, which compromised my data, falls within this purview, making Equifax accountable for any resulting inaccuracies. 

In light of the Equifax data breach and the subsequent inaccuracies on my credit report, I am hereby requesting immediate removal of all erroneous information associated with my identity. Please respond within 15 business days of receipt of this letter to confirm that these inaccuracies have been corrected or removed. If these errors are not addressed, I am prepared to pursue further legal action.. 

Thank you for your attention to this matter. I expect your full cooperation in rectifying this issue. 

Sincerely, XXXX
Product: Debt collection

I moved out of my home XX/XX/2016 from XXXX XXXX XXXX XXXX XXXX, NC XXXX. I owed for the months of XXXX and XXXX. My bill for XXXX was {$170.00}. XXXX and XXXX {$30.00}. When I tried to pay this amount XXXX XXXX would now let me pay. They had tacked on some {$5.00}?? something bill onto mine. The amount is now {$1100.00}. I have tried to call numerous of times throughout the years but like today, I have been on the phone for hours. It has effected my credit and me getting any type of loan. When I tried calling XXXX XXXX I spoke to 5 managers and noone knew why the bill was this amount, the couldn't find anything. One lady told me I only owed around {$300.00}. One manager sent me an itemized bill that adds up to {$550.00}. I am furious about this and do not know what to do. Bull City Financial has taken over and has been very rude to me. No one will send me any information regarding this matter. I have voice recordings of all the managers as well, if I need to provide. All stating they have no idea where this extra debt came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreed to delete account XXXX because it was paid in full XXXX XXXX. XXXX was contacted on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX and on all three occasions I was told by representatives ( XXXX, XXXX ) that they sent a request to XXXX  XXXX XXXX to delete this account XXXX. When I called XXXX XXXX on the dates of XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX I was told that XXXX never sent a request for deletion. XXXX stated they have sent MULTIPLE request to XXXX XXXX XXXX to delete this account that was paid if full but XXXX XXXX still have not deleted this account.
Product: Credit card or prepaid card

My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called Chase several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.