23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

During the months of XX/XX/XXXX and XX/XX/XXXX I submitted multiple disputes to Equifax and the other two major credit beaus to remove fraudulent items that appeared in my report. Equifax did indeed remove and block the following accounts from my credit profile and placed a fraud alert on my profile. 

XX/XX/XXXX Dispute via CFPB ( confirmation # XXXX ) - Removed XXXX XXXX XXXX  XXXX  Account # XXXX XX/XX/XXXX Dispute ( Confirmation # XXXX ) - Removed the following. 
XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XX/XX/XXXX Dispute ( Confirmation # XXXX ) - Removed XXXX XXXX Account # XXXX I called on XX/XX/XXXX and spoke with a representative requesting a digital copy of the dispute results listed above in order to take care of some important business proving the fraudulent accounts were once there and removed. The representative informed me of his inability to send an electronic copy and advised he could send a hard copy through the mail. I agreed to receive the results via postal mail after being advised it would be processed the following day ( XX/XX/XXXX ). After speaking to two other representatives the next day ( XX/XX/XXXX ) along with a floor supervisor no one could confirm to that the letters were processed and on its way. Furthermore the supervisor informed me that the option to send the dispute results would be denied and there was nothing he could do for me. I previously asked if I can go to the office and pick up the documents and was informed I could during office hours. The supervisor was unable to confirm that I would be able to get the documents I requested at the walkup window in XXXX. Im a Florida resident and was willing to travel to XXXX, Ga in order to get the dispute results the clearly have on file. Every representative I spoke with was able to view and read the report to me. All I requested was a copy of that very report. 

I need written confirmation from Equifax that the above accounts were reporting on my profile and removed. I prefer this to be done electronically and quickly by XX/XX/XXXX. I can log in to myequifax account right now and download four dispute results but they aren't the ones I need. 

I expect a speedy response. Thank you
Product: Credit reporting or other personal consumer reports

I am filing this complaint against EXPERIAN due to a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Recently I discovered that the XXXX XXXX Account Number : XXXX, which was previously deleted from my credit report, has been reinserted without proper certification of accuracy or notification to me, as required by law. 
Under FCRA Section 611 ( a ) ( 5 ) ( B ), the following requirements must be met when reinserting deleted information into a consumers credit file : 1. Certification of Accuracy : The consumer reporting agency may not reinsert deleted information unless the furnisher of the information certifies that the information is complete and accurate. I have not been provided with any evidence that such certification was received.

2. Written Notice to the Consumer : The consumer reporting agency must notify the consumer within XXXX business days of the reinsertion. I have not received any written notification from EXPERIAN regarding the reinsertion of this account.

3. Disclosure of Furnisher Details : The agency must provide the name, address, and contact information of the furnisher, as well as notify me of my right to add a statement disputing the information. This information has not been provided to me.

This reinsertion has caused significant harm to my credit profile and violates my rights as outlined by federal law.

The reinsertion of this account into my credit file without meeting the requirements of the FCRA constitutes a violation of my rights. I respectfully request the CFPBs assistance to ensure EXPERIAN resolves this issue promptly and complies with all applicable laws. I KINDLY REQUEST THAT EXPERIAN REFRAIN FROM SENDING ME GENERIC OR AUTOMATED RESPONSES. I AM ACTING SOLELY ON MY OWN BEHALF IN THIS MATTER, AND AM NOT USING THE SERVICES OF ANY CREDIT REPAIR ORGANIZATION OR THIRD PARTY TO HANDLE THIS DISPUTE. 
Thank you for your attention to this matter.
Product: Debt collection

I received notice from Source Receivable Management that I owed XXXX XXXX  XXXX XXXX dollars from some unknown purchase. I have contested this accusation several times but I am still being billed from something I did not purchase nor did I order! 
The information is so sketchy. XXXX XXXX should do their research. I am informed that a payment or XXXX was made and then it dropped off making this bill go into collection! I did not make any payments and XXXX XXXX should do their research before charging me with this outstanding debt!! They should follow through on the payment source before accusing me of an account I do not own.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX investigated an account removed the account then place the account back on my credit report under a different company name. This account does not belong to me. its on my report under Receivables Performance was place on today XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$16000.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Balance Owed : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed dispute on items on my credit report again on XXXX to XXXX, transunion, and XXXX stating these items are inaccurate, unverifiable, and questionable. I ask for original contract with my signature on it which has not been sent so it means this account is unverifiable but have on my file that it is.
Product: Credit card or prepaid card

My Upgrade cash rewards card was used back in XX/XX/2021. My card was stolen and my other cards were stolen as well along with a check that was in my purse during XXXX time and I had to change my account numbers I had to change my credit card numbers and I called and XXXX dispute they gave me a provisional credit and then they took it back and told me that I need to file a police report the police XXXX XXXX with the XXXX police department told me that I could not file a police report because it was fraud so they asked me to file a complaint with XXXX. So I submitted a complaint for XXXX purchases XXXX with XXXX and XXXX with XXXX XXXX one purchase was for {$240.00} in another purchase was for {$330.00}. After they put the money back in my account they took it out and told me to file a complaint with ftc.gov XXXX shored me that after I found a dispute with them that they will put the money back in my account which they still have not I pay my car off in the last amount left is just these XXXX purchases plus the interest that they keep charging me on these purchases with XXXX not be on there I need somebody to contact upgrade and ask them to give me my money back Ive change my checking account all my other cards I havent had this issue only this card
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and my right to receive all documentations requested, the method of verification use and the reason why you continue to remove several variation of my name that I have never use. I have provided all information requested from me such as identification, identity theft report and SSN that was provided to you by certified mail, and you have ignored my request by been the only reporting agency validating this fraudulent accounts after providing all documentation pertaining to this matter. This is my fourth letter and you failed to response to my request. I want you to provide me with all documentation from the furnisher of these accounts listed below. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX Please remove address on my report. I have never lived there XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please notify furnishers of the Information that under the Fair Credit Reporting Act ( FCRA ) that I request all documents relating to these accounts be provided if the victim asks. Please send me copies of all records relating to the account, including : XXXX. Account applications with my full name and not someone with a similar name made on paper, online, or by telephone. 
XXXX. Account statements or invoices XXXX. Records of payment or charge slips and when did account was open XXXX. Delivery addresses associated with the account XXXX. Records of phone numbers used to activate or access the account XXXX. Signatures on applications and accounts. 
Please send me a letter explaining what you have done to : Inform the business where the account was opened that the debt is the result of identity theft. 
Stop reporting information about the debt to credit reporting agencies and the reasons I have provided a copy of my drivers license, SSN to remove names such as XXXX XXXX XXXX and XXXX XXXX. I have never used these names or lived on addresses you continued to link with my name. I have no middle initial nor open accounts on that name. If you have such information please provide all documentation to me at the address above.
Product: Credit card or prepaid card

The COVID-19 cares act states 1. Late or missed payments CAN NOT be reported if I have an arrangement has already been made. 
2.If your account is delinquent and a agreement is made a creditor can not report you has more delinquent. 

The FCRA states 1. late payments must follow the 30,60,90 flow FNBO are in violation of my consumer rights and not following the cares act law. I enrolled in the forbearance program XX/XX/21. This bank has reported XXXX, XXXX & XXXX as late payments even thought they were not late. FNBO auto drafted these {$25.00} payments each month on time. They are also reporting to the credit bureaus three 30 day late payments instead of 30,60,90 which is also against the law. The reason they are doing this is to attempt to hide the fact they are not following the cares act law. They have continued to report me as more delinquent with late payments after my enrollment.
Product: Credit reporting or other personal consumer reports

I am submitting in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX  Balance Owed : {$22000.00}
Product: Credit card

My complaint is with Paypal credit. I placed an order with XXXX XXXX and paid with Paypal credit ; before the order was shipped it was cancelled. However, paypal deducted the amount of the cancelled item from my account and although they were contacted by XXXX XXXX they continue to withhold these funds from my credit allowance. I was told that they could not remove the hold until 30 days have passed. This is the second time I have encountered this issue with Paypal credit. It is quite ridiculous that I do not have access to my funds because they are refusing to remove a hold that should not be there in the first place.
Product: Payday loan, title loan, or personal loan

In 2016 I took a loan for {$900.00} in XXXX from XXXX  I paid them almost {$3000.00} to drop the loan {$300.00} as it got difficult to juggle XXXX and my rent and other utilities I refinance and eventually got another loan in XXXX. But I realize that I will never be able to pay this off the interest rates are too high it took me a year to take it down {$300.00} and I had to refinance so they won't take my car. I fallen into their trap no matter how much I pay them I will never pay off the loan they are like loan sharks it's gotten to the point where I am about ready to just give them my car. What they do can't be legal I understand I have to pay back the money but when I pay {$3000.00} for a {$900.00} loan something's wrong
Product: Debt collection

I was not informed that I can dispute anything, I tried multiple times to settle this with no response from the collection company. I was never informed I can dispute this debt, nor was I informed that this debt was being sold. So, I never gave my permission to sell my debt. At this point I would like this to be removed from my credit. I have no credit and want to build, that is why I have been trying to reach out to settle this, with this on my credit, my credit is growing slower. If this can be resolved, it would be amazing for me right now. Thank you
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$150000.00} - Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$42000.00} - Open XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} 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 : XXXX XXXX Account Number:XXXX Account Name : 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 XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b ( 2 ) - Permissible Purposes of Consumer Reports ( a ) In General Subject to subjection ( c ) any consumer reperting agency may furnish a consumer report under the following circumstaces and NO OTHER : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 
I XXXX XXXX NEVER gave XXXX any wriiten consent to report anything on my consumer report. I will attached a copy of the law with this letter. Concerning the accounts listed above I demand late payments be removed. No consent is Identity theft.
Product: Credit reporting or other personal consumer reports

National Credit Systems has made allegations about this debt for {$6800.00}. My husband and I have communicated with them via U.S. certified mail ( XX/XX/2023 ) requesting additional information and have not received a response. We have waited 30 days, plus an additional 5 days to give ample time to allow them to do their due diligence. I have attached all correspondence and tracking information for the certified letter. We have an unsubstantiated debt being reported to the credit bureaus and this is concerning to me as a consumer.
Product: Debt collection

Debt collector company keep calling regarding a paid cable for {$100.00}. That I don't owe.this collection company is called MRS .Bpo, LLC which I believe fraud.company that got my information off of something. I don't owe them anything. This Mrs. Bpo collection company Need to remove my name off of they list and my phone and stop harassing me.remove this fraudulent information off of my credit profile from all three credit bureaus. 
XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2019 my bank account was closed for no reason at all without sending me a letter or an email not even a call and I never knew the reason why I cant open any new bank accounts in any bank company because of this problem that Iam having Im a victim of identity theft and I dont know why Ive been trying for the past 2 years to open a new account and Ive been trying my best to see what the problem is for I can solve it and get direct deposit and now that Im working I dont have no direct deposit no bank account nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 I do not recognize these inquiries and need them removed immediately
Product: Credit reporting or other personal consumer reports

date XXXX, XXXX, XXXX  amounts XXXX $ I have an erroneous report in my credit history, by the company XXXX XXXX XXXX, ACCOUNT XXXX LOCATED AT XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX IN THE AMOUNT OF {$910.00} WHICH IS AFFECTING MY CREDIT HISTORY AND IN THIS AT THE MOMENT THIS ACCOUNT IN COLLECTION IS HINDERING ME FROM OBTAINING MY RIGHT TO HOUSING CREDIT. 
I DO NOT KNOW ABOUT THAT TRANSACTION, I HAVE NEVER DONE BUSINESS WITH THAT COMPANY AND THIS IS WHY I DEMAND THAT IT BE REMOVED FROM MY CREDIT BUREAU EXPERIAN, XXXX, XXXX
Product: Vehicle loan or lease

My Santander auto loan should be part of the class action lawsuit. We took action the summer of XXXX through XXXX XXXX courts to put a hold on all transactions and action until a hearing was taken. At that time we were unaware of the lawsuit. Covid hit and we had no hearing set, but found out about the lawsuit. I feel we were overlooked because we put the hold in the court thinking that we were doing the right thing. They say our loan should not be part, but I feel that I have proof of unfair and predatory lending and fit into the subprime practices of the company. The loan originated on XX/XX/XXXX and falls into the actions by us being taken before XX/XX/XXXX. The company violated the fair lending requirements of the ECOA ( Regulation B ). Proof of that should be the 3 copies that I have from the Automobile sales company of them restructuring this subprime auto loan. I have sent a letter to my Attorney Generals office and was directed on XX/XX/XXXX to call Santander, whom I have had no contact with due to the court advising me onto do so. Santander was harassing me with phone calls even after the court order was on file. I have All dates in my phone. It is starting again due to we tried to have a lawyer take this action and he wasnt following through. I called XXXX XXXX who also directed me to Santander. I then called Santander on XX/XX/XXXX spoke to XXXX # XXXX who said that he had nothing saying that my loan was eligible. I asked who could evaluate my loan and he only offered to settle ; even after Santander illegally took the vehicle while the petition was in court. I then called CFPB on XX/XX/XXXX to be sure I should put in this complaint. There is not a loan number on my contract.
Product: Money transfer, virtual currency, or money service

My account was access, identity was stolen, my personal information was changed, and my money was spent without my permission. I was on the phone with the Chime fraud department while two transactions were processed using my card information at a XXXX XXXX in XXXX, while I live in XXXX. 

I contacted Chime about the issue and they cancelled my account, refused to reimburse me for the money spent from the account, and also flagged my social security stating that Id never be able to do business with them again. 

I would like my money back and an explanation detailing why due to a security breach on their end I am being blacklisted from their services. I have had this account for over 3 years, and the fact that they terminated business with me due to no fault of my own is concerning and a bad business practice.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I don't own MIDLAND Credit and I don't own XXXX XXXXXXXX XXXX anything and as as of result of them the gathering information from XXXX XXXX they have violated my rights of privacy by reporting information to the credit bureaus! My account # ( XXXX ) I want these unlawful gatherings removed from my report!
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. 

Account Name : XXXX, Account Number # XXXX, Account Name : XXXX, Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.