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

Information reported inaccurately to credit bustard. Unsuccessful disputes with documentation proving the following Collection accounts listed below are not mine and reported inaccurately. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Midland Funding/XXXX XXXX XXXX Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX Account # : XXXX I have recently been informed that there is a negative claim on my consumer report reported by XXXX Account # : XXXX and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have {$200.00} Charge-Off with major inaccurate information and it is affecting my consumer report. This account is reporting inaccurate due to no reported monthly payment amount, the date open is inaccurate, the term duration is inaccurate, the high credit limit amount is inaccurate, the credit limit is inaccurate, the last reported date is inaccurate, and the last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. Therefore, I requested method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted from all 3 consumer reporting agencies report. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

XXXX XXXX Mail XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both   XXXX  ,  Lexis Nexis  and   XXXX   and made them all aware that I was a victim of identity theft and provided them both a copy of my police report, identity theft affidavit, driver 's license, social security card and a recent bill and asked them both to act in accordance with the FCRA Section 605 ( B ), by blocking the information that I have detailed to them that was fraudulent from my credit file and they both have refused to comply with the law. I have sent both credit reporting agencies all of the aforementioned details by certified so I can prove them having received this information and I can also prove their non compliance to the FCRA that governs them, and they have neither  one  done anything other than treat my complaints of identity theft as a normal dispute. I have tried to contact both companies by phone as well to speak with them about their non compliance to the law concerning identity theft, but when you speak to them on the phone they tell you that there is nothing called the FCRA. The agents that work about both of these agencies are oblivious to the fact that there are laws that govern their conduct and they just try to take advantage of the victim. Sometimes when you call they will hang up on you, or they will flat out refuse to assist you in any meaningful way.  <P/> These credit bureaus are not complying withe laws that govern them and they both should be sanctioned and investigated. I have simply asked them both to comply with the law and block certain fraudulent information from my credit file after having provided all of the required documents, but they refuse to abide by the law. The people that work at these companies are extremely unskilled and not familiar with the law and the rules and regulations that govern them and they in turn treat the consumer in a demeaning manner. When I have mentioned to the representatives at both  XXXX   Lexis Nexis , and  XXXX  that they could be fined and sued for their unethical practices they do n't take it seriously and they will tell you then just sue us then. Is this really the way that credit reporting agencies are allowed to act in the  USA?  This is unethical behavior that they are displaying and I hope that The CFPB will not continue to allow them to get away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the accounts below have violated my rights. 

XXXX XXXX XXXX # 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 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with identity theft over the past couple years and Trans Union seems to be the only company that will not remove the information that I have asked them to remove multiple times now. There are multiple address 's that are 10+ years old that the person stealing my identity is using and they will not remove them from my account. There are multiple phone numbers that are not mine that they will not remove from my account. I also have a hard inquiry that the person stealing my identity opened a card in my name, I had the card deactivated and asked for the inquiry to be removed and they have not removed it. The company the inquiry is from also wrote them and asked them to remove it. No other credit company has been this difficult to work with and I am at a loss on how to remove these things from my credit file, my next step is a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted a collection company XXXX XXXX. They realized an error and submitted for this collection account to be removed. Every month I call and it is not removed from Equifax, All of the other agencies removed it. When I contact Equifax they provide a scripted statement of will be removed in 30 days. It is now mid XXXX and I called again today and was given the same answer again. I call the Collection agency again today whom in turn provided me with the control number for deletion that was sent in XXXX to Equifax - XXXX # XXXX and told me they could do nothing else to help. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$530.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WA XXXX ( XXXX ) XXXX When I called equifax again and provided the control number they told me that they would put the control number as a consumer statement and do another dispute and I will need to wait another 30 days. I have been attempting to get a home loan and each time they ask me about my collection account.. I have been denied a loan over and over because of this. 


Please help me. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$52.00} XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX  XXXX Balance : {$2200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/year> XXXX : XXXX Creditor Name : Wells Fargo Dealer Svc Account Number : XXXX Creditor Address : Wells Fargo Auto Attn XXXX Correspondence Support XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Dear Wells Fargo Auto , You are receiving this letter because I have noticed that your company is in violation and has violated my rights. I have not received any letters from your company notifying me of any late payments, which per the law you must notify me 21 days in advance.

Another violation ( UNDER 15 U.S. CODE 1666B BILLING ERROR ) and reporting inaccurate missed payment ( s ) to my Credit Report.

Another violation 807. False/misleading representations.

You are reporting three 30-day late payments which are inaccurate. Being that your company is in violation, you are at risk of being fined for {$1000.00} per infraction.

Im requesting that these three 30-day late payments be removed from my credit profile and updated to a positive credit rating. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX or more late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Product: Checking or savings account

There was a checking account for online banking established with Bank of America using my personal information. I assume as a result of identity theft. 
I did not open the account and learned of it when I received e-mails stating that : Verifying my e-mail address ; Starting an processing an online banking account ; online banking account information ; and finally updating my e-mail address. ( I assume to change it with Bank of America ) I caught it and had the bank account closed prior to any money going in or out of the bank account.
Product: Debt collection

I have been XXXX for years and then when I decided to switch to a different provider. They required me to pay off my phone and my entire bill before switched. This did happen, however years later they send a collection agency after me for alleged debt. The agency they sent me to was Credence Resource Management. This agency has practiced harassment ( calling non stop even during work hours, which I told them ), provided threats when I stated I need proof and verification of debt, doesn't respond to numerous letters sent. I reached out to XXXX directly who stated based on the lack of notes and when reviewing the account. It doesn't look like this balance is accurate, XXXX from XXXX ( XXXX ). He stated he will close the account with Credence Resource Management and make sure the balance was removed as of XX/XX/year> @ XXXX. However, I was still getting calls during working hours since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX in XX/XX/2022. Several months ago I started to look into my credit reports. I saw several inquiries and collection agencies who had items being reported that were the same or duplicate reports. I sent US Priority mail to XXXX and XXXX regarding these issues. I never received any letters and or status regarding the report.I have also not seen any changes or new notes on these accounts. 

I want to know why my credit information is being shared with multiple unauthorized companies. In none of my credit applications did I agree to share my private personal information with whomever ( personal and or business ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights have been violated by -DEPTOFED/XXXX  # XXXX 15USC 1681 SECTION 602A states I have a right to privacy ....

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction These two violations are more then enough needed to remove that account
Product: Credit reporting or other personal consumer reports

Under the FCRA you are required to Conduct a proper investigation into my disputes inform me of the result of you investigation in a clear and comprehensible manner Provide me with an documentation you rely on if the disputed finformation is verified as accurate Ensure tht inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate. I request the immediate removal or correction of this information from my credit report Furthermore, I request written confirmation of the actions you take in response to the dispute. If you fail to resolve this matter promptly I look forward to your response within the legally mandated 30 day timeframe XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPEDXXXX XXXX XXXX XXXX DPEDXXXXT XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from Experian that they will not reinvestigate an inaccurate fraudulent account that was deleted previously due to Identity theft. This said accounts XXXX XXXX. XXXX XXXX XXXX ; XXXX ; XXXX where reposted on to my credit report without notifying me first. The XXXX. XXXX. XXXX XXXX claims that it 's a different account. When in fact it 's not. They just have the different account number from the previous accounts that were deleted. Experian told me to provide proof in order to have these accounts deleted. I did send Experian proof in addition to an Affidavit Of Fact and Truth that I contacted the XXXX XXXX XXXX XXXX back on XX/XX/XXXX, by certified mail Tracking Number : XXXX and I told Experian that I had not received a reply from The XXXX XXXX. XXXX  XXXX. Please See attachment1. Experian still successfully validated those fraudulent unknown collection accounts on XX/XX/XXXX as my collection accounts, without providing me any evidence of an actual original instrument or contract signed by me according to Sect 609. Or accepting any of my evidence of default into consideration. Experian has deprived me of any rights that I have under federal law and remedies. I 've included the letter and sworn Affidavit Of Truth and Facts sent to Experian as an attachment below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX from Kia Finance. It was a three year lease due to be paid off on XX/XX/XXXX. 
I bought the car at the XXXX XXXX on XX/XX/XXXX. XXXX  XXXX gave me the loan. On XX/XX/XXXX, Kia was paid {$17.00}, XXXX and my lease was paid in full. On my most current credit report, the account shows closed instead of paid and my credit score went DOWN 11 points! I called Kia Finance and they said if you buy the car from them, they show paid but if you pay your lease in full, they show closed. I tried to buy the car from Kia but they never answered my emails. This can not be fair on a credit report. The report said you should keep your older accounts open-well, not if it's paid in full! Please help-this is totally not right to penalize a consumer for paying their bill! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX {$6100.00} XXXX  XXXX {$2300.00}
Product: Debt collection

I recently reviewed my credit report and saw that an account was sent to collections from Williams & Fudge Inc. The original amount for the reported debt was {$610.00} and now reporting  {$950.00}. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION.I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CREDITORS BUREAU ASSOCIATES for committing identity theft. I have never given CREDITORS BUREAU ASSOCIATES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDITORS BUREAU ASSOCIATES can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDITORS BUREAU ASSOCIATES continues its collection efforts, I will file for litigation for actual damages caused and CREDITORS BUREAU ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 
Account # : xxxxx XXXX, xxxxx XXXX, xxxxx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my two XXXX XXXX credit cards. On my credit reports, they are showing settled for less than full however, balances are still reporting in error. 

Please correct the misreporting credit reporting data.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/year> I received a notification that my Cashapp account has been closed due to a violation of the terms and conditions from gambling transactions on my account. I reached out to customer support on multiple occasions requesting a higher level review of this decision since I knew i had not processed anything transactions pertaining to gambling or processed any transactions that would be a violation. I also requested a detailed report of the transactions in question to ensure my account had not been hacked and the company never produced this information. The only response i received was that they would send my request to the escalation team ( whom I was not able to communicate with ) and someone would contact me within 30 days. After 3 days I received an email sating that my case was closed due to a lack of information provided by me, this happened XXXX different times. I even tried to create a new account with a different bank card and I assume my name and social security number are now " blocked/flagged '' because the system would give me an error message stating this account is connected to a violation account and it would be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 I sent a certified letter of dispute and verification of a inquiry that was shown listed on my credit report recently for this year in XXXX and asked that it be removed immediately being that I didn't authorize the company Nicolas Financial to run any type of credit report. in return I yet not received and type of correspondence showing or verifying that I authorize any type of credit inquiry. I am asking that this inquiry be removed and blocked from my credit report.
Product: Credit reporting or other personal consumer reports

I have done an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : -The status of the XXXX XXXX XXXX XXXX account is being reported as a past due and others- please remove this from my credit report immediately It is my belief that the collection company has willfully violated my rights by not maintaining proper practices to ensure accuracy on my credit report
Product: Credit reporting or other personal consumer reports

Please block this information from my report as I have asked them to validate this information and they didn't respond after 3 months of disputes. I am filing this complaint regarding XXXX  continued reporting of inaccurate and unauthorized items on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 USC 1681c-2 ), I am formally requesting that XXXX  block these items within four business days due to potential identity theft concerns, as I did not authorize or recognize many of these entries. I have attached my documents.