23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or 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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account XXXX : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I identified multiple discrepancies with the following account : Creditor Name : XXXX Account Number : XXXX Issues Identified XXXX. Inconsistent Balance and Payment Status The report shows a balance of {$0.00}, but the payment status is listed as Collection/Chargeoff, which is contradictory. If the debt is fully paid or transferred, the status should no longer reflect a charge-off.

2. Inaccurate High Credit vs. Credit Limit The High Credit is reported as {$3900.00}, which exceeds the Credit Limit of {$3500.00}. This discrepancy suggests either incorrect reporting or an over-limit scenario that should be clarified. 
XXXX. Conflicting Dates Date Last Active is listed as XX/XX/2022, while the Date of Last Payment is XX/XX/2022. These dates should align since a payment would typically update the Last Active date. 
The Date Opened is listed as XX/XX/2022, which raises questions if the account was already charged off shortly after being opened. 
4. Improper Comments The comments state, Transferred to another lender, yet the account still shows as Collection/Chargeoff. If the debt was transferred, the original lender should no longer report the account, and the new lender should assume reporting responsibility.

5. Two-Year Payment History The payment history is either missing or incomplete, violating the requirement for accurate and complete data reporting.

6. Unauthorized Debt Transfer If you did not authorize the transfer of debt to another lender, this raises concerns about proper debt handling and may warrant further investigation under federal and state laws.

Potential FCRA Violations The following sections of the FCRA may apply : 1. Section 623 ( Responsibilities of Furnishers ) : Creditors must ensure the information they report to credit bureaus is accurate and up-to-date.

2. Section 609 ( Right to Dispute Information ) : Consumers have the right to request validation and correction of inaccurate, incomplete, or unverifiable information.

3. Section 611 ( Procedures in Case of Dispute ) : If a dispute is raised, the creditor or bureau must investigate and resolve the issue within 30 days.

4. Section 605 ( Obsolete or Inaccurate Information ) : Incomplete or unverifiable data, such as missing payment history or conflicting dates, must be removed or corrected.

5. Unauthorized Transfer : Transferring debt to another lender without consumer consent may raise legal issues, depending on state and federal laws, particularly if the new creditor did not communicate this transfer.
Product: Debt collection

I TALKED AND DISPUTED THE ACCOUNT WITH GENESIS CREDIT. XXXX XXXX XXXX XXXX THIS ACCOUNT showed UP ON MY CREDIT. 
I am not responsible for this collection. I spoke with them trying to solve the problem. 
This apartment was never my responsibility.
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  XXXX Bankruptcy Account Number : XXXX and 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: Debt collection

I have 2 debt collectors on my credit report trying to collect for the same debt. The original creditor is XXXX and I have tried disputing this with both creditors as well as XXXX It is double jeopardy and harming my credit. The debt Collectors are XXXX XXXX and ICSystem and are listed at a {$30.00} difference and are reporting collection on my credit every month. IC SYSTEMS has tried to get me to pay a amount for this to even be looked into which I know that is not legal. I have gone and paid XXXX XXXX XXXX XXXX So there is no longer even a debt to collect. Please remove them off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my report that Equifax has blatantly refused to remove and/or investigate. Furthermore, they have ignored all of my letters and/or requests for inaccurate information to be deleted or corrected. This is a blatant violation of the FCRA. I have sent letters, I have sent letters and I have emailed. Each time I've attached copies of an FTC report and copy of FCRA 605 b. And yet, the unauthorized inquiries remain with zero response from Equifax. 
Furthermore, they continue to report a legally unverifiable bankruptcy in which I've sent letters from Courthouse and XXXX  that state they neither report nor do they verify bankruptcies. Per the FCRA, if an item can not be verified by the original creditor it is to be deleted. 
These are at least two violations of the FCRA in which I'm allowed to demand {$1000.00} for each violation. 
I've been trying to resolve these issues with Equifax since XX/XX/2021. That is more than enough time and still Equifax had not done anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agency that have an account that they have got through identity theft and I have written them a letter to let them know that it was identity theft and that through the fair debt collection practice act, section 809 validation of debt, and section 813 civil liability and also the fair credit reporting act that they are reporting to the credit bureaus section 609 A and 1a and section 6 11 A and 1 A and section 611 5A. I also asked them to delete from my credit report and if they felt like I owe them a debt that those sections in the FCRA requires them to send me not a copy of the original document but to send me the original document with a wet signature to show I owe the debt. They continue to send threatening letters. I asked this company to send a contract or promissory note where we decided to do business and I gave them permission to use my information. The company said to me that it did not apply to them. The company states the FCRA does not apply to them and they will continue to put negative things on my report and would make my life miserable by putting negative information on my credit report. I talked to the credit reporting agency and they stated that the account was still open, when it had been closed. Now they are reporting it was closed but still have a negative on my report. Im asking them to delete the fraudulent information that they are reporting because its damaging.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There's FRAUDULENT ACCOUNTS and addresses on my consumer report which I've reported a number of times, AND they have yet to be removed. I've never lived at XXXX XXXX XXXX XXXX XXXX TX XXXX. You, XXXX, XXXX, and EXPERIAN are all in VIOLATION of my rights. Because you have reported FRAUDULENT information to my consumer report, my life had been in shambles... So please remove the address listed ABOVE from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXXXXXX Amount {$3300.00} This account is incorrectly reporting a running balance which is negatively affecting my credit usage. This account is wrong and needs to be deleted off my report. XXXX XXXX XXXX This account was paid for and never charged off but is reporting as charge off. This is false. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX credit card accounts reporting false and incorrect late payments XXXX XXXX XXXX XXXXXXXX Incorrect Charge off this was a paid account and i even reopened a new account with them. This is all reporting falsely. XXXX XXXX XXXX No account numbers listed, this account is negatively reporting incorrect information and has been removed by all other reporting agencies but this one. XXXX XXXX False information and false reporting XXXX XXXX XXXXXXXX False reporting. This is reporting repossessions and late payments on this vehicle. This vehicle is 100 % paid off and in my possession. XXXX XXXX XXXX Incorrectly and falsely reporting late payments creating negative marks on my report. XXXX XXXX XXXXXXXX negatively and falsely reporting twice on my credit report. this is a against the law XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXXXXXX XXXX XXXXXXXX falsely reporting information that they could not provide me XXXXXXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me. This has already been removed off all my other credit reports its just this one will not update or properly investigate XXXX XXXX XXXX Reporting False Late Payments XXXX XXXX XXXX falsely reporting information that they could not provide me. This has already been removed off all my other credit reports its just this one will not update or properly investigate Also they are incorrectly reporting my name. My only known name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX, MS XXXX.
Product: Credit card

I am disputing the collection account with GENESIS CRDT, account number XXXX dated XX/XX/year>, with a balance of {$9200.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that GENESIS CRDT provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as lati purpose.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX 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 reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : 1. XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX 2. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX 3. XXXX  XXXX Date of Inquiry XX/XX/XXXX 4. XXXX Date of Inquiry XX/XX/XXXX 5. XXXX XXXX Date of Inquiry XX/XX/XXXX 6. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX 7. XXXX  XXXX- Date of Inquiry XX/XX/XXXX 8. XXXX/XXXX- Date of Inquiry XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with Experian Credit Monitoring. I can not log in to my account online- when I try to reset my password, I get a message that they are unable to perform that service at that time. Whenever I call, the automated system tells me the wait time is over an hour. I have waited on hold to no avail. I have sent an email to the customer service email provided and have gotten no response. I am trapped in a monthly payment and can not access my account or cancel the service. I originally just wanted to unlock my online account, but given this horrible customer service, I now want to cancel my membership. I can not imagine trying to contact them if I had an actual credit breach issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX,XX/XX/XXXX, XX/XX/XXXX/CBNA, CITIZENS ONE AUTO FI andXX/XX/XXXXadd a hard inquiries on my credit reports. The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

I was going to be put on a temporary furlough with my company stating XX/XX/XXXX - XX/XX/XXXX. When I contacted on the phone my mortgage company, NewRez, in XXXX, they informed me that don't worry about making the XXXX payment after I explained my situation and that I will receive more information from them about Forbearance. 

My next point of contact ended up being XXXX who works for their debt collection part of the company. He informed me that in order to file for forbearance our account has to be behind a payment, so I didn't make any payment in XXXX. He told me I needed to wait until XX/XX/XXXX to request forbearance. 

So I did, as they told me to. They reported our account to be delinquent to the credit bureau resulting in our credit going down XXXX points. They never once mentioned that they would be reporting us delinquent, they sent information that showed that but not until AFTER I did what they told me to do for the forbearance. Not once in my contact with XXXX did he mentioned the reporting of our account being delinquent or that it could affect our credit score if we did not make XXXX 's payment, which they basically told us not to do so they can put in forbearance. 

I was working with them at the end of XXXX, they knew the dates and the only thing I asked was to get help with XXXX. They put in the request XX/XX/XXXX and didn't start our forbearance until XX/XX/XXXX. So the only months we needed help with, they didn't even help and are now going to be reporting our account again for XXXX as we don't have the funds to fully pay XXXX 's mortgage. 

" XXXX. Non-delinquent borrowers were denied forbearance Under the CARES Act, forbearance has been open to borrowers who are current on their mortgages, but some applicants were told that only delinquent borrowers were eligible for it. As a result, some borrowers were instructed to only apply for forbearance after missing a mortgage payment. That was truly bad advice, because even a single delinquent payment could result in significant credit score damage. '' This is exactly what they had us do. 

So we are now about to get hit with a SECOND delinquency to the credit bureau.
Product: Credit card

The account was paid off for an amount around $ XXXX, but they charged me for a principal of the amount of $ XXXX. I called them out on this and they removed the charge.
Product: Debt collection

Representative from this agency called my mother threatened to take legal action against me if I didn't call to make arrangements to pay off debt when I kept explaining I was out of work at that moment. I explained I'll be more than happy to make payment plan but I needed time to find a job. The representative kept pushing and tried to involve my family to help me pay off this debt. I finally agreed to a payment plan and she kept threatening to take legal action for a payment I wasn't able to make on time and repeating office getting fee for returned payment. I made them aware of my financial situation but they insisted on having me enroll in a payment plan when I was out-of-work. I'm very disgusted by their intimidation tactics. I'm not refusing to pay. I'm doing my best to catch up with my financial situation.
Product: Credit reporting or other personal consumer reports

Credit Acceptance Corporation is obligated by the fcra to report accurate accounting, consumer has advised that this inaccurate report be removed because it has never been re-investigated per XXXX am now requesting documentation on who did the investigation, recording of the call, accounting according to XXXX, both private and public, a copy of my truth bill of Sale for my retail sales contract showing all financial obligation, XXXX Credit Acceptance Corporation does not have documents to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. Credit Acceptance Corporation XXXX file XXXX ; 17 CFR 230.425 ; 17 CFR 240.14a-12 ; 17 CFR 240.14d -2b ; 17 CFR 240.13e-4c XXXX : XXXX ; CIK # : XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX i am also requesting XXXX XXXX XXXX be paid back on this account and this account be XXXX out. i will be filing treasury form XXXX to audit consumers account. Credit Acceptance Corporation is securitizing consumers data yet refuse to provide consumer a copy of their XXXX XXXX Not XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX {$480.00} XXXX XXXX {$590.00} XXXX XXXX  XXXX {$620.00}