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

I got a loan for my truck with XXXX and they havent reported a payment since over a year ago. I also have late payments that are not true on my report.
Product: Debt collection

This is a response to the previous claim XXXX. Please do not mark as a duplicate. I have attached the identity Theft report. My apologies, I thought I attached it the first time. There was no email or fax number provided for to send it.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX on XXXX, XXXX under the account number ( XXXX ). This accounts have resulted in several fraudulent hard inquiries and a fraudulent collection appearing on my consumer FICO credit report. I do not recognize the aforementioned account, or hard inquiries as reported. The aforementioned account and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account and inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that the aforementioned consumer credit account and hard inquiries are the result of identity theft and fraud. I also put a fraud alert as well as contacted the police department but was told they only handle cases that deals with wallet theft.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UP DATE MY PHONE MUMBER : XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you in regards to an account that I have been trying to get information to validate that I am responsible for this account with portfolio Recovery. I sent my first request to them on XX/XX/2121. They have not yet sent the information I requested. I sent a request to cease and desist reporting this invalidated information to the three major credit unions on the XXXX of XXXX. They have failed to respond with the information I requested from them and have not removed these negative marks from my credit reports. They have denied me the right to investigate the accusation that I am legally liable for this debt. I have enclosed a copy of my original request. I thank you very much for your time and assistance. 

Respectfully, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XX/XX/2022 I did not make this inquiry. This inquiry is unauthorized
Product: Credit reporting or other personal consumer reports

Since Navient is still reporting on my activity they are responsible to fix my credit reports. As recent as XX/XX/XXXX. 

Navient has been and continues to report incorrect information on my credit report to all three credit reporting agencies.

Since Navient is still reporting on my activity they are responsible to fix my credit reports. As recent as XX/XX/XXXX. 

See my XXXX credit report document attached. 

If this is not a Navient issue, why is Navient still reporting on my credit reports ; as recent as XX/XX/XXXX. The loan was transferred to XXXX on XX/XX/XXXX. 

There are a minimum of XXXX items that need to be corrected on my credit report, Navient is responsible for everyone of these items. If they are not fixed Navient and XXXX, XXXX, XXXX are violating the FCRA. 

Item 1 ) Navient reporting of account numbers are not the same between the CRAs.

Item 2 ) The last date reported in XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX, Navient has been reporting in the last month. 
Item 3 ) Balance owed is wrong between agencies. The loan was at a {$0.00} approved in XX/XX/XXXX by department of education. 
Item 4 ) If Navient transferred the loans to XXXX the close date would be XX/XX/XXXX and the dates of on the credit reports from Navient are XX/XX/XXXX and XX/XX/XXXX. 
Item 5 ) Account not in dispute? This account has obviously been in dispute for years. 
Item 6 ) Payment Status is not the same across the board how can I pay as agreed in two CRAs and incorrectly late in another? 
Item 7 ) Date of last payment is incorrect! My last payment was XX/XX/XXXX. See documentation. 
Item 8 ) Two Year payment history incorrect. I was under the COVID-19 relief of payment per Department of Education and the CARES/HEROES Acts. No late payments since before XX/XX/XXXX. 

Fix my credit report asap!!! Since Navient is still reporting on my activity they are responsible to fix my credit reports.
Product: Credit card or prepaid card

I made a rewards purchase of a set off XXXX pots using my HSBC credit card around XX/XX/18. I received the pots around XX/XX/18 and was unsatisfied so, I immediately contacted HSBC by  phone for an RMA. They said it would take two weeks for the RMA number to arrive in the mail. While waiting I order a different set of pots with my reward points. I was subsequently contacted by over five different agents asking the same questions over and over and refiling multiple claims but still no RMA as of XX/XX/18.
Product: Credit reporting, credit repair services, or other personal consumer reports

Need you to investigate the following account Account # XXXX Account name : XXXX XXXX I request you provide me proof of this alleged payment being late. If unable provide or lacking proof of this payment late, update payment history to paid as agreed never late ( XXXX ). 
Please provide me detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigation, send me an update credit report to the address stated XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello for a few years now, I have been experiencing issue with the below information on my credit reports. I've disputed but the bureaus refuse to also comply with Credit Act of XXXX which specifically speaks to removing Derogatory items from my file especially as law states there is NO Contract/Agreement tied to the following. Section 401 is specific regarding these Derogatory marks. 

Derogatory Accounts XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$420.00} Inquiries XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XX/XX/XXXX XXXX XXXX XXXX FIN Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Derogatory marks XXXX XXXX XXXX NOT MY ACCOUNT? /NO CONTRACT Opened XX/XX/XXXX {$430.00} XXXX XXXX A NEVER APPLIED FOR ITEM/NOT MINE/NO CONTRACT Opened XX/XX/XXXX {$420.00} Inquiry details No Agreements to confirm details XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Credit Burea Inquiry from XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXXXXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, New Inquiries - unauthorized Accounts XXXX  XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Premium XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Derogatory marks COLLECTIONS XXXX XXXX XXXX Contract Opened XX/XX/XXXX {$430.00} XXXX Unable To Discover Contract/ Not My Account Opened XX/XX/XXXX {$460.00} XXXX Unable To Obtain Contract, I never signed/Not My Account Opened XX/XX/XXXX {$580.00} XXXX XXXX Not My Account/No Contract Opened XX/XX/XXXX {$420.00}
Product: Money transfer, virtual currency, or money service

I was made aware that my personal data had been leaked and that I should look into the settlement claim if I have cash app installed
Product: Money transfer, virtual currency, or money service

I asked the company to refund {$400.00} that was fraud. My friend XXXX XXXX has a PayPal account that I have always used to send money, But someone I have never done business disguised his/her self as XXXX XXXX XXXX I sent {$400.00} and it went to wrong perso -- someone named XXXX CASHED this payment -- - which was FRAUD. AND PayPal and my bank are refusing to do anything about it. This is an evil person preying on people. Please check into this. Thanks.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$280000.00} ; XXXX XXXX XXXX XXXX XXXX : {$340000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX  XXXX XXXX XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

I have previously disputed > US BKPT CT XXXX  XXXX / XXXX # XXXX with Experian and in response Experian 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 Experian or any credit bureau for that matter ; therefore Experian 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. 

Also, there is an account XXXX XXXX XXXX account # XXXX that does not belong to me. I reached out to XXXX and their response is upload under documents stating this is not my account and I never had an account with them. Please delete immediately.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian for its failure to address and correct the multiple inaccuracies associated with the XXXX XXXX XXXX account ( Account Number : XXXX ) on my credit report. Despite previous disputes and reinvestigations, Experian continues to report inaccurate and conflicting information, which violates the Fair Credit Reporting Act ( FCRA ) and consumer protection laws. 

Details of Disputed Account Account Name : XXXX XXXX XXXX Account Number : XXXX Identified Inaccuracies Upon reviewing my XXXX and Experian reports, I identified several discrepancies and inaccuracies with the reporting of this account : Date Opened : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX This discrepancy suggests re-aging of the account, which is a violation of the FCRA. 
Account Type : XXXX : Revolving Experian : Line of Credit Last Payment Date : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Balance and Status : XXXX : Balance : {$0.00}, Status : Pays account as agreed Experian : Balance : {$260.00}, Status : Account charged off with {$390.00} written off. 
The conflicting balances and statuses can not coexist and demonstrate clear inaccuracy. 
Status Update : XXXX : Status updated XX/XX/XXXX Experian : Status updated XX/XX/XXXX Comments Section : XXXX : Account Closed by Credit Grantor, Fixed Rate Experian : Completed investigation of FCRA dispute consumer disagrees Experians comments indicate prior disputes that were not adequately resolved. 
Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Assure Maximum Possible Accuracy FCRA Section 1681e ( b ) : Experian has failed to ensure the maximum possible accuracy of the information reported about this account, as required by Section XXXX of the FCRA. 

Re-aging of Account FCRA Section 1681s-2 : The opening date discrepancy indicates potential re-aging, which extends the reporting period beyond the legal 7-year limit. Re-aging is a violation of Section 623 of the FCRA. 

Failure to Conduct Proper Reinvestigation FCRA Section 1681i : Despite two previous disputes, Experian failed to conduct a proper reinvestigation of this account and continues to report inaccurate information. 

Failure to Verify Information FCRA Section 1681i ( 5 ) : If Experian can not verify the accuracy of this information, it must be removed. Retaining unverifiable or inaccurate information is a clear violation. 

Experian has failed in its obligation to maintain accurate reporting and conduct thorough reinvestigations as required under the FCRA. The discrepancies, re-aging, and unresolved disputes are causing significant harm to my credit profile, and I expect immediate action to correct these violations. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

TWO accounts where made with out my permission and are fraud please help me so these accounts can be removed from my credit report along with the Debt
Product: Payday loan, title loan, personal loan, or advance loan

Chime has a feature called MY PAY which I have used before. I always pay them when my direct deposit hit the bank. The loan get pay and the fund are available right away for me to borrow again. This time around I got paid they took tge {$500.00} and my available balance is {$180.00} and they decreased my loan to {$420.00} with no explanation. I call the company to get an explanation and all I get is that is an automated system and the cant control it. This is not fair for the consumer I lost my pay check and they shorted me on the cash advance, I have screenshots of everything. Now my bills are late and short on money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and there are hard inquiries that I did not make.
Product: Credit card or prepaid card

I have negative balance on my discover account, discover owe me {$570.00} US dollar. I want the money transferred to my bank account, but they wont allow it and didnt give me a clear reason. And they removed my negative balance for no reason and always need the someone to check it before reinstate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several complaints about inaccurate reporting of my payments. The loan was paid in full and on time in XX/XX/XXXX. There are discrepancies between whats being reported to the XXXX  different credit bureaus. Twice Mercedes Benz Financial Services ( XXXX ) took more than 30 days ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 70 days ) and ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 39 days ) to respond to my complaint and simply ignored the premise of the complaint. 
Although the account has been paid and closed in XX/XX/XXXX, upon my disputes in XXXX and XX/XX/XXXX, XXXX has marked my credit report with a payment status for XXXX and XX/XX/XXXX. 
It is unacceptable that XXXX continues to ignore the FCRA, refuses to answer disputes within 30 days, posts inaccuracies to my credit report and behaves with impunity despite the fact that the loan was paid in full and in a timely manner.
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the ongoing issues I have been experiencing in my attempts to remove fraudulent items from my account. These fraudulent items are causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I explained the situation and submitted the necessary documentation, including provide a brief description of the documents submitted. I was assured that the issue would be resolved. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. Please help me remove these fraud items in my credit file immediately : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I have been requesting info regarding a collection on my credit report from XXXX XXXX in excess of 60 days with no luck. This debt is listed on all 3 of my credit reports. I have asked for the original contract with my wet signature authorizing this debt along with the original information from the original creditor with name ( s ), address ( es ), and phone number ( s ) listed. I also requested a breakdown of the billing and payment history along with the acquired proof of ownership showing the collection agency has the right to collect on it. This company, XXXX XXXX, has been given ample time to respond with this information and has not.
Product: Checking or savings account

Fradulent charges on my checking account XX/XX/year> for {$370.00} and XX/XX/year> {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are reporting different credit reports for account # XXXX. The reports are erroneous and I disputed this alleged information to each credit bureau and nothing has changed.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports. Thank you