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

To whom it may concern, I filed a complaint with cfpd on trans union credit reporting agency, they didn't respond in the 30 days or given time. I am requesting information in the source and identity how the company verified these accounts Based on 15 usc 1681 -i7 I would like to have a description of how the verification was done and I am requesting who was the source that verified and how was this information verified.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have reached out to a furnisher that goes by Financial Data Systems to dispute incorrect information on my credit report. As a result, several accounts were deleted but they refused to delete the last 3 accounts. I've asked for documents to show where and when this happened, any applications with my signature and invoice totals. The invoice totals does not match the delinquency on my XXXX credit report, nor is it reporting on the other two bureaus ( XXXX and XXXX ). As a result, this fraudulent charge is hindering my credit from things such as mortgages or getting qualified for credit cards. I have also explained to this furnisher that it is a violation to share any type of medical information without my consent, unless it is to a different medical facility that requires further treatment.
Product: Debt collection

The company took {$1400.00} from my checking account before I agreed to the terms. There was no third party verification and the supervisor was pressuring me and trying to intimidate me into paying {$4500.00} which I explained that I could not afford. I told him I was no longer interested in the payment terms. I then went online and paid the past due amount to American express on the XXXX of XXXX, 2017.  The next day, on the XXXX, of XXXX 2017, XXXX XXXX , XXXX. took the {$1400.00} out of my checking account without my authorization with a check that appeared to be written by me.
Product: Credit reporting or other personal consumer reports

There are XXXX missed payments reported on my account. I am a victim of identity theft and just received full access to my bank accounts again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates I left the apartments - XXXX XXXX XXXX XXXX XXXX - end of XX/XX/2017. There was nothing wrong with the apartment as I had everything fixed immediately. They got their keys and I thought I was getting my deposit back. 

Amounts They are saying I owe {$2300.00} in fees. I dispute every last {$1.00} as the apartment was flawless when we left. 

Actions I wrote them a letter when I received their letter stating I owe the $ $ that I do not owe them anything and I never heard a response and they have continued to report on my credit reports. I recently disputed it and it was removed from XXXX and XXXX  but then recently added back on. I tried to get a credit lawyer and they have not been able to help. I feel financially abused and it is causing me stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed XXXXredit inquirys on my Equifax report that I did not authorize. 
I disputed 5 items on my equifax report on Equifax website XX/XX/2018. 
I checked online communication regarding feedback. 

I have not received confimation of dispute and when I go online and enter dispute confirmation I recieve a message stating that the information I gave does not match with the information they have on file.
Product: Vehicle loan or lease

I purchased and traded in a new vehicle from layered XXXX XXXX in XXXX Kansas at that time my trade-in had {$23000.00} left on the loan amount with Toyota financial group. XXXX XXXX did not fully play off the Toyota financial loan leaving a balance of {$250.00}. I was unaware that the new dealership did not completely pay off the loan for the trade-in vehicle they made a mistake during that transaction with paying off the loan to Toyota financial. I get a hit on my credit report from Toyota financial saying that my account was delinquent two months after the transaction with the new vehicles dealership had been completed. I have reached out to Toyota financial numerous times to no avail. I have spoken with the dealership that sold me the new vehicle and made the accounting error and they have offered to write a letter to Toyota financial to dispute the delinquency because it was the new vehicles issue and mistake. They will give me any documents we need to clear this up I have like I said Ive tried to talk to the Toyota financial to no help besides a address.I was never informed by Toyota financial that the loan was not completely paid off and did not know that I was responsible for an additional {$250.00} until I got a ding on my credit I blame the new dealership and I blame Toyota financial for not reaching out to me and not telling me that the complete loan was not taken care of.
Product: Checking or savings account

I attempted to open an account with their subsidiary XXXX. After going through the entire process ( including downloading the app, creating a login, etc. ) I was denied. 

The bank refuses to furnish a reason for the denial, and refuses to tell me how I can rectify it.
Product: Money transfer, virtual currency, or money service

XX/XX/21 my account was hacked. I tried 2 dispute it two or three times. I was denied and they closed my account out. I kept trying to get in contact with the fraud company but nothing ever happened. I got my bank statement which stated that I had over {$9000.00}. Never got any closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit account with XXXX. I returned all of my merchandise but was never received credit for the items I returned. This account has been listed as charged off and pass due on my credit profile since XX/XX/XXXX. I have the original receipt of the merchandise being picked up and returned XX/XX/XXXX. However XXXX has reported my account as never paid and charged off in bad standing. I have reached out to XXXX many times for them to please correct this error but they continue to dispute my dispute with the credit bureaus. This account has been financially crippling because of the negative impact on my credit for so many years. I returned all items as to relieve any balance with my credit account however XXXX has never reported the corrected or true balance to credit profile. And as recently as XX/XX/XXXX again denied my request to fix this untrue negative account on my credit profile. Please see attached is my original receipt for pick up and it included the serial numbers for the merchandise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, CERTIFIED BUREAU OF THE # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX  # XXXX, CERTIFIED BUREAU OF THE # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, TELERECOVERY # XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPAauthorization.
Product: Credit reporting or other personal consumer reports

Upon careful review of my credit report, I noticed that a U.S. Bankruptcy Court entry has been incorrectly listed. In accordance with FCRA 623 ( a ) ( 5 ), if this information can not be validated with the original creditor, it must be removed from my file.

In this case, the U.S. Bankruptcy Courts, cited as the original source, have clearly stated that they do not supply information to credit reporting agencies, nor do they confirm or verify public records. Furthermore, XXXX has provided documentation indicating their inability to validate this public record information. 
It is solely the responsibility of credit reporting agencies like yourselves, or your third-party providers, to ensure public record information is verified. This task is never handled by the Recorder of Deeds or the U.S. Court system, as outlined by privacy protections under the Fair Credit Reporting Act.
Product: Bank account or service

Suntrust Bank charged me {$95.00} for a debit card that was cancelled and replaced and which they had previously agreed would not be charged for. After discussions with both local bank staff and their XXXX headquarters customer service, they still charged for a service that had been discontinued. This is typical of the fee driven banking practices of Suntrust and their poor oversight and controls. 

Consumers need to be aware and alert to extra charges slipped into accounts in hopes no one would catch them. The bank obviously has serious ethical and management issues and should not be trusted to treat customers with respect and integrity.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am refiling this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. The XXXX  report number related with this complaint is XXXX including the unauthorized inquiries with XXXX  report number XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED XXXX XXXX  DELETED FROM MY EQUIFAX REPORT ASAP. 
I NEED TO HAVE ALL INQUIRES REMOVED FROM ALL XXXX CREDIT REPORTS ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I'm disputing the XXXX XXXX XXXX Charged off account that is reporting inaccurately. Im requesting that you reinvestigate this account and then remove it from my credit report for violating FCRA 15 U.S.C. 1681 section 623. 

FCRA violation. Credit Reporting agency has failed to list XXXX XXXX XXXX as a disputed account after a valid dispute was sent. 

FCRA 623 ( a ) ( 5 ), FCRA 623 ( a ) ( 2 ) violation. Inaccurately reporting date of last payment and last active date as XX/XX/XXXX. Simultaneously, inaccurately reporting payments after the account has been charged off for the following months ( XXXX XXXX ), ( XXXX XXXX ), ( XXXX XXXX ). 

FCRA 623 ( a ) ( 2 ), section 605B violation. This account was disputed by consumer as fraudulent and this information does not relate to any transaction that I have made.

FCRA 623 ( a ) ( 5 ) violation. Credit Reporting agency does not list closing date for charged off account.
Product: Vehicle loan or lease

On XX/XX/XXXX, I contacted Capital One-Auto Finance to let them know that for personal reasons at the time, I was unable to continue financing my car. Financial personnel informed me of the procedure that I had to follow for the delivery of the vehicle and the termination of the contract with them. I did so, all the time in communication with that office. On XX/XX/XXXX, they sent a tow truck to pick up the vehicle and this was the final step to finalize and close the account with them. 

Currently I moved to the State of Virginia and on each application process to apply for housing, they have been unsuccessful, due to debts on my credit. I proceeded to verify the credit and I found that in addition to the debts that I am currently paying, which are not inconvenient for my rental purpose, a financial debt from Capital One-Auto appears. This started when they placed a debt in the credit history in the month of XX/XX/XXXX. I proceeded to call XXXX XXXX and XXXX and they told me that I should request the removal of that account in the credit history by making a Dispute about it. 

After making the dispute, I proceeded to communicate with the financier, explaining the situation to the person who attended me. I requested a certification that the case was already closed. On XX/XX/XXXX, I received it through my email, and they informed me in the letter that the vehicle was indeed delivered on XX/XX/XXXX, without further charge in this regard. 

At that time, the representative informed me that in their system they have a debt because when they sold the vehicle, they did so for less than its price. Information that was never offered to me when in XXXX I contacted the financial company. The intention was to have the correct information for the termination of the contract and the payment commitment. 

Now, in XXXX, due to the situation that arose regarding the rental application, I found out that in XX/XX/XXXX, Capital One-Auto posted that debt, as if it were new. When checking my credit, I realize why my applications were rejected. Capital One-Auto debt and the score that credit companies, XXXX XXXX  and XXXX have subtracted from my credit report, have nullified my chances of getting a rental home for myself and my children and for any other plans I had. In addition, in the most recent housing application, Capital One-Auto 's debt was posted again dated XX/XX/XXXX, and the companies ' credit report had an additional XXXX points subtracted from the credit history.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 the accounts 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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX  Inquiry Date : XX/XX/year> Business Type : Auto Financing Company I am a victim of identity theft and I never authorized this account. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

I am a victim of identity theft, and I can assure you that this debt is not mine. I request that you immediately reinvestigate this matter and take appropriate actions to delete or correct the disputed information as soon as possible. 

Additionally, I am requesting that you provide verification of this debt. Please send the following information : 1. Proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
2. Documentation showing any contracts or agreements between myself and the debt collector regarding this debt. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  XXXX : Balance : {$1000.00} Account Name : XXXX XXXX XXXX XXXXXXXX : Balance : {$1400.00} Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX : Balance : {$16000.00} Account Name : XXXX XXXX XXXX XXXX : Balance : {$1900.00} Account Name : XXXX XXXX XXXX XXXX : Balance : {$1900.00} Account Name : XXXX XXXX XXXX XXXXXXXX : Balance : {$490.00} Account Name : XXXX XXXX XXXXXXXX : Balance : {$9400.00} Account Name : XXXX XXXX XXXX  XXXX : Balance : {$7100.00} Account Name : XXXX XXXXXXXX XXXX XXXXXXXX : Balance : {$7100.00} Unauthorized Inquiries XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

XX/XX/23 - I reported that the {$10000.00} charges on my card from XXXX XXXX were fraudulent. The charges were removed by Citibank. 
XX/XX/23 - XXXX of the XXXX XXXX fraud charges totaling {$5800.00} were put back on my account. I called Citibank again to report these charges as fraud again. Citibank claims XXXX XXXX sent proof that I made the charges, despite the fact that the telephone number, email address, and travel companion information provided by XXXX XXXX do not match any of my personal information. 
XX/XX/23 - I emailed Citibank to continue the dispute. 
XX/XX/23 - I reverse looked up the information provided by XXXX. The phone number of the person who made the fraudulent reservations was from a land line in XXXX  and the email address used by this person does not exist. 
XX/XX/23 - I called Citibank and was told the charges are still under investigation and can't be removed from my account. I also emailed them sending them the information I looked up about the information provided by XXXX. 
XX/XX/23 - I wrote a letter to the XXXX XXXX XXXX XXXX at XXXX XXXX to inform them of the fraud and someone intending to fly using my identity. I also emailed Citibank dispute center again. I was doing this almost every day. 
XX/XX/23 - I filed a police report regarding the theft of my credit card number. 
XX/XX/23 - I froze my credit on all XXXX credit agencies. 
XX/XX/23 - I was notified on my Citibank online credit card account that all XXXX fraudulent charges of {$750.00}, {$770.00}, {$1000.00}, XXXX, {$1100.00}, and {$1200.00} will have a security credit issued. This has not happened. 
XX/XX/23 - Only XXXX fraudulent charges were reversed. I spoke to XXXX different people at Citibank, XXXX in customer service, XXXX in fraud, and XXXX in security operations. Not one person could explain to me why only XXXX of the fraudulent charges were credited back to my account. 
At this time the remaining fraudulent charges of {$1000.00} and {$1200.00} still remain on my account. No one at Citibank responds to my written correspondence. No one on the phone at Citibank in any department has a clue what is going on with my account. No one at Citibank can explain anything to me. All I am told over and over by Citibank since XXXX is " it is still under investigation. ''
Product: Credit reporting or other personal consumer reports

Apparently XXXX XXXXXXXX is placing this car as written off on my credit when it should have been on someone elses credit they should be going after. Ive filed multiple disputes called multiple times asked for all sorts of information and they denied every request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago I received your correspondence on this alleged account stating you verified/ updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to a dealership and wanted to apply for a car and they said they was only going to do XXXX  XXXX XXXX, however it was 6 other hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute last year for a collection account that was previously paid ( a few years ago ) with XXXX XXXX. XXXX XXXX was merging with XXXX XXXX XXXX during that time, and did not apply the final payment that we made ( a few years ago ). Experian deleted that collection in XXXX, when it was with XXXX XXXX XXXX, as they could not provide information that debt was valid. XXXX then sold the debt to XXXX XXXX, who re-reported the collection with Experian under XXXX XXXX XXXX XXXX XXXX I have asked XXXX XXXX for proof that this collection was valid, and they have failed to do so. They have changed creditor name from XXXX XXXX XXXX XXXX to just XXXX XXXX XXXX and lowered the collection amount by a couple of dollars in order to be able to re-report. I have disputed the collection with Experian 2x this year with proof that they deleted it in XXXX, and they will not remove and they have also re-reported the original collection from XXXX  under XXXX XXXX XXXX. This is an unfair practice, as proof has not been provided to me that debt/collection is valid, and also should not be able to re-report a previously deleted collection