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

so here we are again, for the 10th time and several years running that experian REFUSES to fix a fraudulent entry in my credit report. a few months ago filed the 9th complaint with the CFPB against EXPERIAN and EXPERIAN comes back with another lying XXXX   excuse why they are not doing anything. this latest excuse is that the credit card company cant get a hold of me so EXPERIAN will not change the fraudulent record.

here are the facts AGAIN. someone took out a XXXX card in my name FRAUDULENTLY. for years i have provided proof that the XXXX   card was not taken out by me, was not used by me, was taken out by the criminal that filled out the form, that was used by that same criminal. all of this has been proven with the documentation - event providing WHO committed the crimes. XXXX  and XXXX, with this proof, have removed the fraudulent record from my credit report. but given lie after lie after lie, experian refuses.

it is NOT my responsibility to chase down XXXX or anyone else to remove what is in EXPERIAN 'S records. what if discover ceased to exist? how then would the invalid record be removed.

i have demonstrated now so many times that a fraud was committed and that EXPERIAN is perpetuating the fraud and that it refuses, UNLIKE THE OTHER TWO AGENCIES, to remove the fraudulent record so EXPERIAN is also guilty of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT EXPERIAN SUPPORTING DOCUMENTS IN REFRENCE TO COLLECTION AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX THAT IS NOT LICSENSED NOR BONDED IN THE STATE OF FLORIDA WHICH IS A VIOLATION PER FLORIDA OFFICE OF REGULATION AND ADVISED THEM TO DELTE IMMEDIATELY
Product: Debt collection

Dear Equifax! 
I have asked for you to do a debt validation with XXXX XXXX about account NUMBER XXXX and you send a letter saying this account is verify and belong to me with no proof of verification of me signing a contract or agreement with XXXX. I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between XXXX XXXX and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement. With that being said, had XXXX XXXX sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that XXXX XXXX  provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt. Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXXR- 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, 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. Account has NEVER been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Contacted Hyundai not once more like 5 x on not one but 2 leased Vehicles, Prior to this I was a loyal Hyundai Consumer for over 18 years our Daughters first Car was threw Hyundai @ XXXX shes now XXXX I leased my car with a cosigner. My uncle, XXXX XXXX, and Hyundai Salesman lost my whole deal.and I paid dearly buy putting that Vechile with a Balance of {$9100.00} which was incorrect as it was traded for another Hyundai that I ended up paying a lot more in interest cause 2 Hyundais were on my report they stated when I called this was according to Credit Reporting XX/XX/XXXX # XXXX which only cause they were Penalized this car was taken off my Credit Report but the damage was already done. 
On the second car still on my Credit Report same thing but they tried saying the Car had a scratch on it and this time they claimed I owed {$12000.00} and claim wear and tear I traded this car as well and I had it for 3 years with 17,000 miles to Kia here in Florida I spent a lot of money because I put me on the credit agencies, not once one cop of the two cars that was unfair, because Ive always been faithful to Hyundai Kia took possession of the vehicle it was mint Upon having a discussion with Hyundai the woman from Texas told me that the car again had wearing tear, as well I had to pay that {$800.00} Fee Which I was no longer responsible for the vehicle, because Kia took the full possession of it, and I financed a car through Kia that was through the roof, because of what Hyundai did to my credit report Its not just about Wrongfully putting me in the credit Bureau. It was a trickle down effect in this particular vehicle was making up and still listed in the credit Bureau as of my last pill of my credit report is XX/XX/XXXX I feel, Hyundai owes me Compensation for what they wrongfully have done when I was not in Error, Hyundai was and they got fined but I Paid dearly for Their Ignorance and I am considering pursuing this Matter to an Attorney against Hyundai for Not just hurting my Credit but for the Numerous times I have called and was told they would work out a payoff plan it goes much deeper, like my Anxiety and non Compassion they had to a very Loyal Consumer as I stated Hyundai affected Me and my Credit Score as I said the last vehicle is still on my credit report which means everything that I apply for I either get denied, or I pay higher rates, which is not fair if they had just done the Correct, Honest Way in handling all of this but their Greed Cost me a Woman who is on XXXX and on a Fixed income SSDI Any chance of getting a loan to allow me to move forward with my life So their being penalized got them out of their Jam, But has done Nothing to help Consumers who got hit in many different ways This is why I am Seeking an Attorney as I feel I should be Compensated for their Errors. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED. 
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I have the right to privacy, please be reminded, no consent is identity theft Please promptly remove this data within 4 business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Credit card

This card was opened a while back without my knowledge. Had identity theft. I am XXXX XXXX XXXX. 
And retired. Was also in the XXXX military abroad. This is affecting my credit. Needs to be taken off of my reports. I closed the account. 

Milestone is now Concora Credit XXXX XXXX XXXX XXXX NC XXXX Been making payment because I thought it was another card I had.
Product: Mortgage

For many years I have been facing an execution process of my property that was financed through a conventional loan through XXXX XXXX. c/o Seterus. 
I recently learned that XXXX was facing some cases or lawsuits due to mismanagement of the mortgage loans and the undue payment of interest in which I was a party affected. 
I understand that I have been a victim of these mismanagement and they continue to affect the present. 
I am currently at imminent risk of losing my property, I understand that I am a victim of fraud. I need to take action immediately.
Product: Mortgage

I recently bought a home in XXXX, SC. I informed lender that I would be applying for state residency, and when residency was achieved, my property tax would be drastically reduced, so the amount of monthly escrow would need to be adjusted. Lender said no problem, he would put me in touch with financial department and they would get it done. Upon closing, my mortgage was sold to another lender. Residency was achieved. Lender refused to adjust my escrow payments. This is THEFT.
Product: Credit reporting

When I apply for credit and receive a " Risk-Based Pricing Notice '', the notice describes " Key factors that adversely affected your credit score '' with Equifax as the source. From more than one bank, these key factors are claimed to be : " Serious delinquency, Number of accounts with delinquency, Too many consumer finance company accounts, Too many inquiries in the last 12 months '' So, I go to Equifax and obtain my credit report to dispute these things, however the credit report I obtain from Equifax contains absolutely no delinquencies or any other negative information whatsoever. I have also never had a " consumer finance company account ''. I am not 100 % sure what that actually means even after researching the phrase, but I have only ever had student loans and an auto loan, so I do not believe I have ever had any " consumer finance company accounts ''. 

The main difficulty is that Equifax is reporting this erroneous information to banks when they pull my credit report, but when I pull my own credit report it is impossible for me to dispute these errors because I seem to be receiving a different report than the ones the banks are receiving. The one Equifax provides me is correct, while Equifax is providing a different, more negative report to the banks. 

I might think that this was an error done on the part of the banks, but it has happened more than once from different banks using Equifax as a source, several months apart. I attempted to contact Equifax for help online or by phone, but they have no way of speaking with a human about this issue, everything is automated and only allows me to dispute information I can see. I can not dispute these strange errors that only the banks are apparently given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter on XX/XX/XXXX to the 3 Credit Bureaus ( XXXX, Equifax, XXXX ) asking to Verify Inaccurate Information that is reporting on my Credit File under all 3 bureaus! 

On ( XX/XX/XXXX ) I received my Dispute Results back from XXXX. 
This is my Report # XXXX for XX/XX/XXXX As I was looking through my Dispute Results, XXXX  verified that I had a Public Record that they have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. They also, listed the contact information which is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX, or visit XXXX XXXX XXXX 

I personally contacted XXXX via Phone ( XXXX ) to request my Consumer File, no which the Agent I spoke with could not find a file under my name and social security number! I also submitted on their website an Electronic Request Form here : XXXX XXXX XXXX  I filled out all my personal information as stated on their website! 

Today, XX/XX/XXXX : I received my XXXX XXXX in the mail stating that they were unable to process my request at this time. XXXX had conducted a search of its databases based on the information provide to them, but was unable to locate a file sufficiently matching my data. 

Consumer Number : XXXX Case Number : XXXX I do NOT have a File with XXXX so how is XXXX, XXXX, Equifax verifying PUBLIC RECORD information from XXXX if my information does not exist with XXXX? The 3 bureaus XXXX, XXXX  and Equifax is REPORTING INACCURATE information on my Credit File/Report and I want it REMOVED IMMEDIATELY!!!!
Product: Credit reporting

I disputed the balance because it should have been reported lower than they were reporting on equifax and they removed the entire account dropping my credit score
Product: Debt collection

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report.
Product: Debt collection

XXXX XXXX failed to correctly file medical bill with XXXX. Filed with XXXX in wrong name. Account was sent to a collection agency Receivables Management Systems. I made calls to XXXX XXXX and learned they had not put my name as it appears on my XXXX card and XXXX would not pay the bill. Consequently, due to XXXX not paying our other XXXX insurances rejected the claim as well. 

We have XXXX and XXXX. However, if XXXX denies a claim for any reason it is rejected by the secondary and third insurance. 

I have also learned even though I spoke to XXXX XXXX in XXXX, XXXX, the file was not resubmitted until XXXX XXXX. This caused the Receivables Management Systems to continue to carry the bill as a collections. 

I spoke to XXXX at Receivables Management Systems before the account was added to my credit file and let her know that the bill had not been properly submitted for payment. She said she would wait to hear back from XXXX XXXX. But the account was still placed in collections and sent to the credit bureau.
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX XXXX  bankruptcy discharged/ Reference # XXXX XXXX  with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am one of the XXXX XXXX XXXX XXXX XXXX operating in various states, including Arizona and Florida. I have recently discovered that multiple credit card accounts were opened without my knowledge or consent. This issue came to my attention after my former business partner illegally removed both myself and my other business partner from several certificates of formations filed with the Secretary of State in Arizona and Florida. 

I also believe that my former business partner altered the operating agreements to his advantage in order to obtain these unauthorized credit cards and worked closely with a commercial lender or banker to assist in opening these unauthorized accounts, all while preventing us from having owner access to the credit cards and banking accounts. I can provide documentation to support this upon request. 
Both my business partner and I have contacted Wells Fargo on numerous occasions, starting from XX/XX/year> to the present, in an effort to conduct our due diligence. However, the bank has refused to acknowledge our requests. We have demanded the production of all originating documents related to the credit cards, as well as the credit card statements for all accounts payable under each Tax ID number. Additionally, we have requested bank statements from the inception of these entities on the banking side as well across the board. 

I informed Wells Fargo that I am listed as a partner on the original certificates of formation for multiple entities. We suspect that our former business partner, who was the CEO and the responsible officer for financial and tax reporting matters at the time, may have engaged in embezzlement and perhaps other crimes that are not to my knowledge. Despite this, Wells Fargo has refused to cross-reference all the Tax ID numbers associated with these entities, opting only to provide me with information tied to my Social Security number. It was during this process that I discovered a credit card account had been closed under one of the entities without my knowledge. After requesting the statements for this account, which I never had access to, I learned that the credit cards had been mailed to a different address belonging to my former business partner in another state. 
I discovered that these credit card accounts had been opened without my consent, and I had no access to them for the entire duration of their use. 
I have an open case with Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and was in communication with XXXX XXXX XXXX XXXX XXXX ) Please note due to the limitations allowed to upload. I can furnish more certificate of formation documents for the other entities upon request. 
Contact number : XXXX
Product: Credit card

I paid Comenity Bank IN FULL on XX/XX/year> with a payment in the amount of {$440.00} clearing my bank account on XX/XX/year>. Comenity Bank has put my account into collections despite me paying the balance off. I've spoken to several customer service representatives and Supervisors at XXXX with no resolution. I am being told that a late fee of {$39.00} was issued on XX/XX/year> which is AFTER I paid the account in full. As someone who is XXXX XXXX in the XXXX I do not always have access to email when I am underway ( on ship ) and I believed this account to be settled and closed. I have not used the Creditcard since I paid the balance off in in full. I am now in collections with XXXX XXXX XXXX for {$360.00} saying that I had a {$50.00} late fee/interest after I made the payment in XXXX with a XXXX balance as of that date. I find it excessive and extremely frustrating that I was told the Representatives at Comenity Bank do not know that a late fee would be issued on XX/XX/XXXX and that it doesn't show up until the next statement the following month. How is that a fair business practice? How can a bank charge people fees after they pay an account in full? How do Representatives NOT know that a fee will be assessed after the fact?
Product: Credit reporting or other personal consumer reports

Experian Reported Late payments on my XXXX XXXX Account on XXXX. Experian also reported late payments on my XXXX account on XXXX. In accordance with the fair credit reporting act Experian has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters to Equifax disputing items from ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) on my credit report that I have no knowledge of and they are refusing to remove accounts in question stating that the acounts were verified but they fail to furnish proof. I want the accounts removed off of my credit report. I also have two inquires that Equifax refuse to remove although I'm sent letters stating that I have no know of the inqiries. The inquires are from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, it showed that I missed a payment of {$230.00} in XX/XX/2019 I believe. I later paid the bill when I logged into my Nissan online account and saw that it hadn't been paid yet for that month. Nissan always sent me a monthly bill in the mail reminding me of my monthly bill approaching. But I did not receive a bill in the mail the month of XX/XX/2019. I only later found out when I logged into my online account to check my lease maturity amount later that month. I never missed a payment for this vehicle lease for the entire contract period, and also paid off my lease in full after that. This was the only time I missed a payment, and it was because I never received a bill in the mail like I did every other month reminding me of my upcoming monthly payment.
Product: Checking or savings account

On XX/XX/18 betweeen XXXX and XXXX XXXX I went in the TD Bank Branch on XXXX XXXX and XXXX XXXX in XXXX XXXX, NY to make a CASH deposit for {$1500.00} with the teller. The next day when I checked my account the deposit was not made. I don't have the receipt of my deposit. I spoke with XXXX XXXX about my issue and he assisted in the investigation. He looked at the Banks cameras from XXXX to XXXX, but he did not recognize me coming in the Branch.
Product: Debt collection

I have a mark on my credit score from XXXX different companies ( HARRIS & HARRIS, LTD, and XXXX ) about the same debt. My credit score says that the debt was reported by XXXX XXXX but when I tried to contact all of the possible medical practices that I have been to in the past 2 years, none of them had any record of me owing a debt. I can not find any legitimate information about the XXXX different debt collection agencies to be able to email them and contact them myself. I would just like to pay any debt that I potentially have, or get the mark removed from my credit score if it is a mistake/scam.