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

( XXXX, XXXX ), ( XX/XX/XXXXXXXX  ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard 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 all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX AND XXXX XXXX XXXX XXXX ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX. Registration Rights Agreement. XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX  XXXX XXXX that owns the shares of. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

DATES ASSOCIATED WITH INACCURACIES ; XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; EXPLANATION OF INADEQUACIES BEING DISPUTED ; THESE ITEMS ARE INNACURATE BECAUSE THE CARE ACT PROVIDED PROTECTION TO THE CONSUMER THAT WAS EFFECTED BY COVID 19 DURING THE PANDEMIC. ALL OF THESE NEGATIVE ITEMS FEW ARE ACTUALLY MINE MOST I HAVE NO KNOWLEDGE OF BUT ALL OCCURED DURING THE TIME THAT I THE CONSUMER WAS PROTECTED UNDER THE CARE ACT DURING COVID 19 PLEASE REMOVE THE FOLLOWING INACCURACIES FROM MY CREDIT REPORT IMEDIATELY! 
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  AS WELL AS THE COUNTLESS NUMBER OF HARD INQUIRIES ADDED TO MY REPORT DURING THE SAME TIME PERIOD!
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Dear CFPB Account Name : ACIMA DIGITAL FKA SIMPLE Account Number : XXXX Balance : - Original Balance : {$1500.00} Open Date : XX/XX/XXXX Acima continues to report inaccurate, false information, it does not have enough with the previous errors in this account, now it reports that this account is open and in collections, lying without prejudice and damaging my credit report. This account was closed and paid in XX/XX/XXXX I am tired of this situation. I have tried to correct the errors that I obviously mention and there are no results, only deceptive methods that do not fix or correct the errors in my XXXX credit report. 

ERRORS 1-ACIMA updated this account and reported No data for this period ( ND ) from XX/XX/XXXX to XX/XX/XXXX, this is a serious error, this account was closed in XX/XX/XXXX and was paid in ( Paid in settlement ), I attach proof of that.Fix this or delete the entire account. 

2-ACIIMA REPORTS THAT THIS ACCOUNT IS IN COLLECTION IN XX/XX/XXXX, that is false and misleading information, this account was paid in XX/XX/XXXX and was reported as closed and paid, fix this or delete the entire account. 

3-Why have they removed that information from the monthly balance, the scheduled payment month by month or how much I paid month by month in the XXXX report?, Please explain why it was removed. 

4-Why does Acima not report my last payment? That space is for reporting, not to leave it empty. Do your job and put the last recent payment.

I have tried to resolve these problems with Acima on countless occasions and they continue to add more errors and false information to this account. I attach proof that this account was closed in XX/XX/XXXX and they have updated unverified and fraudulent information. I demand that this account be deleted immediately. Acima is not capable of solving the errors nor do they have the information to certify and verify what they are reporting. 

Please ACIMA has been updating this account with errors for over a year and with each update they add more errors, stop this aberration to my credit report and my integrity, delete this account completely full of errors and false information, it is my right as a consumer. 

Thank you Attention : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid on time for the last 5 years and it appears that regardless of what I do my credit score never gets better, which causes me problems when trying to refinance my home and obtain better rates. I'm inclined to believe that the three credit bureaus knows nationality based on names. I think as a consumer this should be investigated. Minorities do not and will not get the same treatment as our counterparts if we as a country don't look into matters that appear to be fair from looking from outside, but internally the bureaus have underlining agendas that we will never understand. Please take a look into these matters to make sure we are all treated equally as consumers. Credit suppression seems to also exist in this country as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter concerning a transaction or credit request allegedly made through this companies. After reviewing my records, I must state unequivocally that I do not recognize having authorized or initiated any transaction or credit application. 

Creditor Name : XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX And Creditor Name : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : Experian
Product: Credit card

I was about to purchase a XXXX XXXX XXXX. A salesperson at the dealership suggested I apply for the My GM XXXX Card and said they would deduct {$500.00} from the price of my car once approved. The salesperson forwarded the flyer on XX/XX/XXXX. On XX/XX/XXXX, I scanned the code on my phone and applied. I received an email saying they could not verify my information. I called My GM XXXX Mastercard at Goldman Sachs Bank USA customer service and they asked me a bunch of questions and then told me to scan my DL front and back which I did. At that time, I told the agent that I needed the card by XXXX on Friday ( XX/XX/XXXX ) so I could use the {$500.00} to purchase the car. Later that day I called them about the status of my card application. They had me speak to a couple of different people. They told me to give them XXXX hours. Again, I called on XX/XX/XXXX, at that time they said my application was in the review process and needed to be reviewed by the fraud department. So basically, they told me my application had been sent to the fraud department. On Friday XX/XX/XXXX I called them before leaving to NJ to pick up my new car, they told me to wait. 

On Saturday ( XX/XX/XXXX ) I called them to cancel my application. They refuse to do so. I told them, I no longer had any use for that card. Yesterday ( XX/XX/XXXX ) I called them again to request cancel my application but again the same answer. Then I realized they were profiling me from the very beginning. My credit score is very good. I have never been late on a payment. I actually pay my credit card balance in full every month. When I was picking up my car, I asked the dealership about my credit score and they told me it was XXXX. I got a 1.4 % interest rate on the loan. I was profiled because they hear me talk ( my accent ), my name ( XXXX XXXX XXXX ) ( was not common ). My ID photo shows me ( XXXX XXXX ). - I want " My GM XXXX  Mastercard. Goldman Sachs Bank USA '' to prove me fraud or compensate me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because the Credit Bureau has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and con not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Accounts Below XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX Dear, XXXX, Equifax, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

We traded in a vehicle early and had an early termination of our lease on XXXX. The final play off check ( {$19000.00} ) was sent to Chrysler Capital by the dealership on XXXX. Chrysler Capital lost the pay off check and have admitted it was their fault but not until just last week. Because the check was lost and the lease not terminated our account became delinquent. We got the first notice on XXXX. 

Chrysler Capital told the dealership that the check the supposedly never received was short and demanded more money from them ( {$490.00} ). The dealership send in more money on XXXX but not until we received another delinquent mark on our credit report. The additional funds were sent in by the dealership in the amount of Finally Chrysler Capital demanded another pay off check be send in for the original ( {$19000.00} ). In order to close the account. The dealership sent the check on XXXX and it was received and signed for on XXXX. Chrysler Capital admitted that for 12 days the were unable to locate this 3rd check and again we received another delinquent mark on our credit reports. 

Chrysler Capital was finally able to find the check and post it to close the check. 65 days after I first spoke with them to try to find a solution. Now they are not responding with the needed information to update our credit reports. 

Throughout the process I have been told countless mistruths, been given misleading fact, been told this was all my fault. We have been promised but never received a speed resolution, call back from managers, and documentation. You are unable to reach directly those people who are assigned to you account. You are unable to reach managers. Emails are never returned. 

We are in the process of buying a home and closing is contingent on Chrysler updating our credit and providing necessary documentation. They have known from day one that this is a time sensitive request but have made no good faith effort to resolve the issue which will potentially cost us thousands of dollars and the lose of a custom built home.
Product: Vehicle loan or lease

On XXXX XXXX the vehicle was voluntarily surrendered due to the car being damaged by a CarMax representative. I was told that I would be updated on the vehicle being sold after the surrender but instead, CarMax Auto Finance continued to label the loan as active instead of inactive. Doing this caused my payment history to be affected, therefore decreasing my credit score by XXXX points. When I filed a complaint with ncdoj, I was accused by XXXX XXXX of just leaving the car on CarMaxs property.
Product: Bank account or service

On XX/XX/2017 I tried to deposit a check for {$13000.00} to my Scottrade checking account with F.D.O. ( For Deposit Only ) on the back of the check. They rejected the check. They said it had to be signed with my signature. F.D.O. is perfectly legal.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately deleted and removed on my credit file 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

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 a medical account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, with a owed balance of {$1300.00}. Another medical account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, with a account balance of {$14000.00}. And a third medical account that does not even have a name listed for it with the account number XXXX and a amout owed of {$700.00} opened on XX/XX/XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections 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 all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$960.00}. I have called and called and today I was hung up on without any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a member of the government shut down, I asked that late payments be removed due to that fact. XXXX XXXX  denied my request and closed my account after I paid it off due to having another past-due account. The bank sold the account to a third-party company ( XXXX XXXX ) that keeps putting the debt on my credit as well as the bank. It says the account was opened XX/XX/2017 ( 1 yrs, 9 mos ), I never signed any contracts with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite an account being closed for over a decade, Bank of America is reporting a current delinquency for the month of XXXX, XXXX on my credit report at the XXXX XXXX  and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XXXX XXXX, XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over XXXX XXXX XXXX and must be removed from my credit report. 

Repeated requests for assistance have fallen on deaf ear. I have provided my fully personal identifiers and account number to Bank of America on several occasions. Despite several disputes to XXXX XXXX and XXXX they continue to maintain the account, although they themselves have admitted to the CFPB that they can not locate it. Moreover, XXXX separate messages were left for a " XXXX XXXX '' at Bank of America. None have been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date on XXXX, southwest credit systems. Amount XXXX. XXXX XXXX XXXX Southwest credit system. 
XXXX XXXX number
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is in Non-compliance with the FAIR CREDIT REPORTING ACT BY REPORTING FRAUDULENT ACCOUNTS THAT I HAVE ALREADY SENT IN A POLICE REPORT ABOUT NUMEROUS TIMES, AND ALSO HAVE SENT IN A FTC AFFIDAVIT REPORT STATING THAT MY INFORMATION WAS COMPROMISED AND NEED THE FOLLOWING ACCOUNTS REMOVED BECAUSE THEY WERE DUE TO IDENTITY THEFT. NOT ONLY HAS EXPERIAN BEEN NON COMPLIANT WITH MY REQUEST AND THE FCRA! THEY ALSO HAVE BROKE ANOTHER RULE OF NOT VERIFYING EACH ACCOUNT, AND SHOWING DOCUMENTATION FOR 100 % PROOF OF COMPLETE AUTHENTICATION, VERIFIABLE PROOF! XXXX XXXX CHIEF EXECUTIVE OFFICER OF EXPERIAN LLC, AND XXXX XXXX XXXX OF EXPERIAN LLC WILL NOT CONTINUE TO BREAK THESE LAWS AND GET AWAY WITH RUNNING OVER PEOPLE LIKE ME WHO SERVED THIS COUNTRY PROUD! I AM A PROUD VETERAN AND HAVE NO PROBLEM PURSUING THIS CASE IN SMALL CLAIMS COURT, AND ALSO JOINING A CLASS ACTION LAWSUIT AGAINST EXPERIAN! I HAVE ALREADY OPTED OUT OF THE ARBITRATION AGREEEMENT EXPERIAN HAD ME LOCKED IN TO!
Product: Debt collection

On XX/XX/2021, the attached debt verification letter was sent to " Diversified Adjustment '' as I had noticed a collection account reporting on my consumer credit report 2 days before. USPS records indicate this dispute was delivered to the debt collector on XX/XX/2021. To date ( XX/XX/2021 ), no further correspondence has been received from the collector as required by the FDCPA. The reporting of this account has prevented me from obtaining a mortgage on my home as indicated in the adverse action letter attached.
Product: Credit reporting or other personal consumer reports

Supervisor XXXX refused to lift my credit freeze and to allow me to reset my password. This is a total violation of my rights as a consumer/citizen. He stated I needed to send my social security card to have my freeze lifted. I am a identity theft victim and per this reason I could have been asked for other documentation, I am unable to apply for a car due to this reason. This is a true violation of 15 USC 1681, i NEVER GAVE EQUIFAX PERMISSION TO HOUSE MY INFORMATION NOR SHARE MY INFORMATION. THIS OCCURENCE WAS ON XX/XX/year>.
Product: Credit card

My American Express card was lost or stolen in XXXX 2015. 
I reached out to AMEX while traveling in europe. I spoke to a number of representatives who, despite my request for manager assistance, provided neither a manager nor a solution to the problem. These calls lasted hours due to time on hold and multiple disconnects. When I returned home, I spoke with XXXX at Amex ( XX/XX/XXXX @ XXXX XXXX ) who offered a {$450.00} credi and XXXX-XXXX points and an apology. 
Despite mulitple contacts since then, including a manager ( yesterday ) I have not recieved the compensation promised. I asked that they listen to all calls ( not the self serving transcripts and she refused. Her response " I 'm higher up than XXXX and your not getting what you are asking for. 
This company has been non responsive, rude and I have devoted hours to getting this settled. I have eliminated XXXX AMEX cards, reuced utilization and tried to find someone, anyone, at AMEX who cares. That person does not exist. They refuse to put managers on the phone, force log hold times, multiple disconnects. Requests for manager call backs are ignored. Appararnatly poor customer service, lack of ethics is institutionalized there. 
Thank you XXXX XXXX XXXX XXXXXXXXXXXX