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

Incorrect information was reported on my credit report without my consent. 
Pursuant to 15 usc 1681 ( c ) ( 1 ) ( A ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; I never authorized XXXX to furnish anything on my credit report I contacted XXXX and have disputes these inquiries. 

XX/XX/XXXX CBNA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I would like to start by saying there was no accurate option to choose the problem but I cant continue / press next without choosing one. 

I have been denied for a car lease from XXXX XXXX XXXX and this is my XXXX lease and all completed perfectly. While I have several non legitimate items on my credit report, that for two months now I myself have been trying to dispute directly with these places along with trans union, XXXX  and XXXX  they will not allow me to do this for log in situations, not responding, not letting me add to a dis put that I have pending ( see weeks ago I had no issue logging in but suddenly I cant plus since it says one is pending I cant do a thing ). While I have less than two weeks left of owning a vehicle they flat out denied my application yet I cant get the help needed to correct items. I have legitimate items on my credit report and I get that. That shouldnt matter in terms of my credit score that changes by the minute now that I signed up for XXXX XXXX and XXXX XXXX. Amazing. Up XXXX points in a day and down XXXX the next day and so on. So while I am cognizant of what tragic events are taking place in this world I use your online website that is available as you state and all calls are long wait times. I can not be successful with no tools / nothing but hassle and making my credit score worse. So I disputed 3 Things on XXXX XXXX and all were removed so it says. They were wrong and fraudulent and not right that people and places can have that affect on my life. 

Additionally XXXX XXXX XXXX who declined me is reporting non payment or late which isnt true and also reporting 2-3 times a month. They can not do that nor can this be allowed to get placed on my credit report. There are so many others things there are wrong and I have no time left now. I have tenure / loyalty with one leasing company for 19 yrs. being XXXX AND XXXX and therefore I willl not get approved anywhere else and they are the only ones I have a chance with. I have a loan modicadok in process my mortgage was sold last year and it states my lender has been my lender since XXXX and Im sorry jt was XXXX XXXX until XXXX So Im on hold not wanting to call and bother your employees but for tbe 4th day its been over 1 hour and I am sick and cant do this anymore. So I have a dispute that there was no space to even write details so you are investigating a dispute without details as I could write 2 sentences. I wrote I needed to add it so it can be done legal and accurate but I cant because of your site and yet I dont get a call or email? I dont have time to write a big long letter and make copies and get to you and wait who knows how long. I will have turned it in without a car and pay all the the Turn in fees yet as I always have I lease right away and those are waived. This is so wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has deleted all my active accounts on my credit report. and my score was in the XXXX or above. When I recently checked my report they have no score now because they say I don't have any accounts. I am request Trans Union correct my report immediately and restore with the correct account information. This is causing undue anxiety and stress. Trans Union score should reflect that of XXXX score.
Product: Debt collection

In XX/XX/XXXX, I went to hospital emergency. After visit, due to my financial situation ( I was unemployed ), I filed for indigency. The hospital wrote off their portion ( attached proof ), and I also have a confirmation number written on bottom of hospital bill that XX/XX/XXXXwas going to follow hospital indigency application ( all bills follow indigency applications ) and write off their amount due. This confirmation number is written on hospital bill I have attached.

For some reason, florida emergency continues to send it to collections and it has been reported to my credit report on XX/XX/XXXX, XX/XX/XXXX ( proof attached ), XX/XX/XXXX and XX/XX/XXXX. I have successfully had this disputed from my report except fro XX/XX/XXXX when I depended on an experien employee and that was my mistake. XX/XX/XXXX collection fromXX/XX/XXXX thru paramount recovery remians on my report due to experiens negligence. I have disputed this again.

More issues with this are that : amount is incorrect and has been since beginning ( see attached proof ). This bill is from XX/XX/XXXX and therefore is too old to be on my credit report ( again and again ). Paramount recovery is fraudulent in stating that open date for this bill is XX/XX/XXXX. It is XX/XX/XXXX.

I have also included a word document that states these items and was used for XX/XX/XXXX dispute to experian.

I want paramount recovery to stop seeking collection and have it removed from my report.

I want florida emergency to STOP sending it for collection since it is fromXX/XX/XXXX.

I want experian to be more aware and watchful of items that come onto my report and see that if it has rightfully been written off before, it should not appear on my report to start with.
Product: Credit reporting or other personal consumer reports

I didn't authorize these hard inquires thats on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received verification of my inquiry and according to the FCRA ( Fair Credit Report Act ) legally these unverified and unauthorized items must be removed! 

TransUnion- XXXXXX/XX/XXXX XX/XX/2022 inquiry XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XX/XX/2022 inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXXXXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX closed Late dates : XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$10000.00}, XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$0.00}, XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date XX/XX/XXXX Balance XXXX {$4400.00}, and XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9700.00}.
Product: Checking or savings account

Chase closed my account on XX/XX/XXXX and did not return my money. I have waited for 40 days and Chase just hold my money. I have called several times but that doesnt work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. I was checking for a car and the dealership went to different companies and for different cars I didn't approve of. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. 

These are the inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank You,
Product: Debt collection

I C Systems Inc XXXX XXXX XXXX XXXX XXXX, MN XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.
Product: Credit reporting

Over XXXX mistakes on my report from experian. 
Enquirers, addresses, names and ss # that are not mine. 
Charged off account over 7 years old No response from disputes filed in 2012
Product: Credit card or prepaid card

Bank of America is one of the worst companies i dealt with. First of all there is no way on contacting them about the claim. I submitted the contract to them, something they asked for and they did not respond to me yet about that. Also they send me a letter saying that quote " The merchant indicated that they had to save you as you had taken the boat in the water too far ''. Can you please tell me what a XXXX is that? How you can take XXXX dollars from you account because somebody said this and said that. Unbelievable unprofessional behavior from a Bank like this. It looks to me that they don t want to bother looking for answers and defending their own client, since its me that has to pay all the money. I would like full investigation and return my money on my account. This is not a game and you can not take me for XXXX  sending this childish explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on my XXXX account and seen I have identity theft I filed disputes and I was told to report on here..
Product: Credit reporting, credit repair services, or other personal consumer reports

Meet New meeting Join a meeting The accounts listed above do not reflect any correct transactions Inbox XXXX XXXX XXXX Sat, XX/XX/XXXX, XXXX XXXX to me The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance the Fair Credit Reporting act. The account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681.

XXXX XXXX, 15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A, section 2. States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 items of information, other than records other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

I do not recognize this address please remove thank you XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 I received a call from XXXX XXXX a US Bank employee who informed me that " he was closing both of my checking accounts because I was rude on phone call to a bank employee ''. I at that time informed him that " I at no time spoke in rude matter to anyone and I requested to hear the audio of me allegedly being rude ''. XXXX then informed me that he " did not hear the call himself but was still closing my checking accounts ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account XXXX XXXX that is showing on my credit and I never opened it. Found out about it thru running my credit report
Product: Debt collection

I received a notice from magistrate court regarding a lawsuit that Bonneville Billing and Collections had filed. The document alleged that my wife and I both owed money for goods and services provided by XXXX XXXX XXXX. It further alleged that multiple attempts had been made by Bonneville to contact me. 
Nothing can be further from the truth. I have not received any correspondence or even one phone call regarding the alleged debt. They also included my wife on the lawsuit whom had never had any dealings with Bonneville or XXXX XXXX  XXXX. Bonneville claimed that they purchased the debt on XX/XX/2018 and were entitled to interest even though there had never been an agreement with myself or my wife that we would pay interest. Furthermore, the instance in question had been paid in full between my copay and my health insurance. According to the FDCPA, debt collectors are not allowed to contact family members regarding a debt. However, isnt that a violation when they add my wife to a bogus lawsuit? I believe that this was a carefully orchestrated scam perpetrated by Bonneville and their attorney of record, Bankruptcy Attorney XXXX XXXX, XXXX and XXXX of XXXX, Idaho. I believe that they have done this before and will continue doing this. It is illegal to lie in a complaint for a lawsuit, yet they did just that when they stated That due demand pursuant to Idaho Code 12-120 has been made upon defendant more than 10 days prior to filing of this action. And also That defendant refused or neglected to pay to Plaintiff the above mentioned sum despite demands made by Plaintiff. 

Bonneville Collections, who was the Plaintiff in this case, never once attempted to contact me, or my wife, the codefendant. 

This is a carefully orchestrated scam and they did not count on me disputing this. The lawsuit has been denied with the Judge entering a judgement for me, the defendant. 

Being as I have been completely honest about this case, I do believe that a business as well as their attorney representing them, should also be held to the same standard of honesty. Please see the attached documents supporting what I have said in this complaint. I have also included photos of the info from my health insurance website supporting my assertion that the doctors visit was paid in full with nothing being owed. My only hope is that they are not allowed to find vulnerable people and do this to them. 

Thanks for your time. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, IL XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, TX XXXX XX/XX/2023 XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such a account and also other documents so i may review to see if this is actually an account that belongs to me.
Product: Money transfer, virtual currency, or money service

I opened an account with XXXX to purchase XXXX XXXX. I added XXXX of my bank accounts to source funding for the XXXX I made XXXX purchase and almost immediately for no reason the account was frozen. I contacted them right away and they asked for a photoof my photo ID as well as a selfie with photo ID and a numeric code they provided. After I provided this they responded that it would be unfrozen within a few minutes. That never happened and since then I have contacted them every day for the past 10 days requesting support. In all those emails I have received XXXX responses saying they are working on it and it will be unfrozen right away. I have {$1000.00} cash as well as almost the same amount in XXXX I purchased and XXXX of my bank accounts linked to their platform so I am very worried about not being able to access my account. There is no way to contact them by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a dispute letter to dispute inaccuracies. It has been over 30 days and no reply from the credit bureaus. Credit bureaus are refusing to comply with the FCRA!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost importance regarding my Experian credit report. Since XX/XX/2020, I have diligently attempted to rectify several fraudulent and unknown accounts and errors that have appeared on my credit report. Despite numerous attempts, these discrepancies persist, causing significant distress and concern for my financial well-being. 
The accounts in question are as follows : XXXX : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I have observed an alarming total of 32 different names listed under the personal information section of my credit report. This extensive list is inaccurate and unacceptable. I insist that only my legal name, XXXX XXXX XXXX, be associated with my personal information
Product: Credit reporting

XXXX XX/XX/2015XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX Hello, I applied for a car loan with XXXX, @ XXXX in XXXX, Ohio @ XXXX. I am trying to rebuild my credit, I was turned down. The XXXX places that he tried to get me a loan sent letters to my house. XXXX was from XXXX XXXX the other from XXXX XXXX XXXX XXXX. XXXX XXXX was Insufficient Credit because I do n't have any credit cards or not made any large purchases. Experian reported to XXXX XXXX that I had XXXX Garnishments, Foreclosure, repossessions, collections or judgments. Also XXXX insufficient credit experience. If I do n't have credit experience how do I get garnishments, foreclosures and repossessions??? 
I purchase and paid for XXXX home and car over XXXX years ago, XXXX XXXX XXXX ( XXXX ) last name was mispelled. I purchase and paid for XXXX Nissan Sentra through XXXX XXXX. I have never had a Forclosure or repossesion. I had XXXX garnishments XXXX medical bill and my student loan. If I had seen that report I would not give me a loan either. 
If I stand accused I want Experian to send me my XXXX garnishments, foreclosures and repossessions. 

Sincerely, XXXX XXXX