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

I have a negative account from XXXX XXXX bank on my credit report, however I've never had an account with this company. The last name on the account isn't even correct and spelled wrong. Customer service has been horrible and has given me no information nor help on resolving this issue. It has now ruined my credit and I'd like it completely removed from my credit report before I file legal action. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 below is the list I dispute to them a Charge off Collection or Derogatory account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also dispute to them those open accounts that has late payments Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

Below are the open account I disputed that has late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a premier checking account with HSBC in XXXX. I could receive a 3 % cashback with all my direct deposits within 6 months from the advertisement. However, when I checked with them today, they said I'm not qualified for the bonus. I believe I applied through the offer link, and I'm frustrated I didn't get any bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that is not mine. The account is XXXX XXXX XXXX XXXX. The only account number I have with this company is XXXX. That is the only account that should be reporting for XXXX. The other account is unauthorized. I did not open an account with them in XXXX, only XXXX. I am requesting for the account XXXX XXXX XXXX XXXX to be removed for my credit report due to inaccurate reporting. I was involved in XXXX 's XXXX data breach so it is possible that my information was compromised. I was sent no copy of my photo id or ssc to prove that this account was opened by me. Please see the attached data breach claim and remove this account from my credit report.
Product: Debt collection

I have closely examined my credit report and discovered a number of unauthorized accounts that were added without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS THREE TIMES WITH 40-60 WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE NOTE THAT I HAVE ONLY UPLOADED ONE RESPONSE RECEIVED BY THE BUREAUS, EVEN THOUGH I ATTEMPTED TO REACH THEM THREE OCCASIONS. 

PLEASE INFORM THIS CREDITOR THAT, IF THIS MATTER IS NOT RESOLVE WITHIN REASONABLE TIME AFTER THIS CORRESPONDANCE, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Product: Debt collection

I was involved in an accident on XX/XX/XXXX2017. I was transported in an ambulance and was admitted in XXXX XXXX XXXX XXXX. The accident was covered under Workers Compensation XXXX XXXX XXXX XXXX XXXX and also my personal Insurance XXXX. The case was settled and all bills due have been paid. I informed the XXXX XXXX XXXX who treated me that its a workers compensation and to contact my lawyer.
Though the case has been settled and all bills paid I dont understand why i am being harrassed for this little amount and CACI keep sending letters over and over. They reported to my credit agency dropping my credit score drastically. This has prevented me from getting any credit card now. 

As note I sure want to add that XXXX XXXX XXXX staff members did not treat me well. I was diagnoised with XXXX and i XXXX XXXX XXXX XXXX XXXX XXXX they gave me. Though I informed the nurse it was there for couple of hours before someone cleaned it up. The phone was also not working for me to call my family members and inform them about the accident. 

Please do needful to stop this harrassment on injured worker.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian due to its failure to conduct proper investigations into disputes regarding two accounts on my credit report. Despite my repeated attempts to resolve these inaccuracies, Experian has not fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : XXXX. XXXX XXXX Account Account Name : XXXX XXXX Account Number : XXXX Issue : This account is reported as a collection with {$95.00} past due. However, no evidence has been provided to verify the debt or prove its legitimacy. 
Despite my dispute, Experian claims to have updated the account, but no changes have been reflected in my report. Furthermore, Experian has failed to provide me with any documentation or substantiation from XXXX XXXX to support this accounts inclusion in my credit report. 
2. XXXX XXXX Account Account Name : XXXX XXXX Account Number : XXXX Issue : This account contains inconsistent and incomplete information, including unexplained C ( collection ) designations, contradictory payment history, and missing balance details. 
Experian states that this account has been verified by XXXX XXXX, but I have not received a copy of the investigation or any supporting documentation. 

Experians Failures : Experian has failed to conduct a thorough and meaningful investigation into these accounts, as required by the FCRA. 
Automated systems like e-OSCAR appear to have been used instead of a manual review, leading to inadequate responses to my disputes. 
Experian has not provided proof of verification from the creditors, nor has it rectified the inaccuracies, despite my repeated requests. 

Harm Experienced : Experians actions have caused significant harm to my financial standing, including damage to my credit score, limited access to credit, and undue stress. Additionally, Experians failure to provide proper documentation or resolutions demonstrates negligence and unethical practices, as evidenced by the CFPBs recent lawsuit against Experian for FCRA violations. 

Experian received my dispute on XX/XX/year>XXXX  and updated it on XX/XX/year>XXXX  there is no way a proper investigation was conducted
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report stating that I had initiated a dispute, with experian when in fact I had not be able to do so and I filed a complaint with the Consumer Financial Protection Bureau ( Cfpb ) Experian sent me back the report stating this as fact. 
And then asked Cfpb to close this case which it did. I have attached the front of the document that Experian sent me as evidence that Experian provided to Cfpb deceptive information in order to have this case close, which is did before I had an opportunity to respond. 

Today I called Experian and I was put through an automated selection. 1. I could ask for a credit report. 2. Security Freeze.

There is no option to dispute, however their website directs me to do the dispute by phone. Therefore I have no way of disputing the credit report and Experian lied to the CFPB regarding that I had actually had the opportunity to dispute the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX
Product: Credit card

they said I have to pay around XXXX XXXX foe the credit card balance, when I'm already iut saide the states with XXXX XXXX  at that time
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX in regards to an account that does not belong to me. They have continuously denied my dispute requests even after sending in personal identification documents to verify the account. This account does not belong to me yet they continue to report it on my credit file. I have disputed this account with Equifax numerous times and they continue to verify it as accurate however upon reaching out to XXXX, they are reporting an address and name that does not belong to me nor shows up on any of my credit files account. I reached out to XXXX and requested proof of ownership of this account, however XXXX was not able to provide this proof of ownership. They were not even able to send a letter back stating that they can not provide proof of ownership. When I contacted them, they claimed that it should've been mailed to my address on file. This is blatantly idiotic because I have disputed that the information they have on file does not match up with my personal information, so clearly I would never get letters about an account or dispute decision to an address that doesn't belong to me. I have contacted XXXX numerous times and they refuse to remove this account from my Equifax credit file even though my personal information shows that the account doesn't belong to me. I disputed this same account with XXXX and XXXX and it was swiftly removed because it doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Paypal prepaid barred me from using their cards for the rest of my life. They didn't tell me why. I added cash to the card and changed the address on the account and after this I was barred for life and don't know why. They never allowed me to use the cash but told me that they would send me a check in the mail for the amount. I asked them why I was barred and I was told that they are not at liberty to give me a reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 my application was denied for reasons that go against consumer laws I did not give permissible purpose as usc -1681b paragraph XXXX. I never gave written intuitions permission to do anything, but the financial institution assumed I did apparently 15 U.S. Code 6801 - Protection of nonpublic personal information - ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
( b ) Financial institutions safeguards ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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: Debt collection

Someone used my social security #, but with a different name, in XXXX thru XXXX.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On multiple attempts dating back to XXXX of 2017 I have disputed an unverified account with National Credit Systems , Inc with client account number XXXX and XXXX account number XXXX. Each time this item was disputed with XXXX the collection agency responded with account verified. On or around XX/XX/XXXX/XX/XX/XXXX I called into National Credit Systems , Inc. and spoke with a rep that was unable to locate an account with my social but a similar account with the same or similar name/DOB. The representative would not provide me with any additional information although she gave a completely different name and an address of XXXX XXXX XXXX XXXX in XXXX, GA that I have never lived or been associated with. At that time the rep advised I dispute again with the credit bureau and stated that the account should not be reported on my credit bureau report. Well, on or around XX/XX/17 I received a letter from National Credit Systems , Inc addressed to XXXX XXXX ( not now or ever known by that name ) requesting I complete a Fraud Packet with that name. I declined to complete the form because the name associated with the account is n't mine and I was advised the packet needed to be completed by XXXX whom I do not know. After advising this information to the manager when I called in I was told thats what needed to be done for them to move forward with an investigation. As we all know, this means that National Credit Systems , Inc. have NOT verified or can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply with this Federal Law. I demand the following account be verified or deleted immediately. As mentioned earlier, the name is incorrect, the social they have provided to the the credit bureaus does not belong to me ( which has caused and alias by the name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX with a social ending in XXXX, XXXX, XXXX, XXXX and XXXX. I have only been issued one social and it does not end with either numbers mentioned and I have not been associated with any name mentioned.
Product: Debt collection

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE I.C. SYSTEM, INC Original creditor : XXXX Balance details 0 % paid off Balance {$1600.00} Balance updated XX/XX/2023 Original balance {$1300.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$1600.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments- Your statement - Contact info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

I have problems with a company named CHEX SYSTEMS INC. Since they are reporting a checking account on my XXXX credit report. Which is affecting me too much since when I apply for credit cards they don't approve them even though I have a good credit history. 
I talked to transunion but unfortunately they still haven't been able to solve the problem. Since this account is reflected in the third party supplementary information part, I demand that it be IMMEDIATELY REMOVED FROM MY XXXX CREDIT REPORT. Since this account does not belong to me and they are making me FRAUD. Because I only have 3 checking accounts and I currently have them active.
Product: Credit card or prepaid card

Ive spent XXXX on and engine from XXXX XXXX. They told me the engine was in perfect condition so I buy it and have a shop put it in, not a day later it overheats due to bad water pump and wiring so I call the lady who sold me the engine and she claims that then engine had a bad water pump AFTER I already brought it so I I ask her why didnt she tell me the problems with the engine before I brought it I couldve took my money somewhere else and she went silent. Then tells me that they will send someone out to check for the warranty. Ive waited WEEKS for the guy to come just to tell me theirs nothing they can do and he tells me the water pump is bad, uh obviously you guys sold me a bad engine. So I submitted a claim with boa for a refund and they told me it will take 3 months finish case. Its Been 175 days and counting! My bills are past due and I can only wait for so long all cause I got scammed for an engine they told me was perfect
Product: Debt collection

THIS IS A NEW REPEAT COMPLAIN AS TODAY HAPPENED AGAIN- Ongoing ABUSE - A probably " fake '' Co hiding number address Name falsely representing as " attorneys '' continues to HARASS ME/our family calling threatening SUE if do not pay DOUBLE plus {$1000.00} more of an Old Credit Card Consumer Debt with Radio Shack ( currently Bankrupt ) debt from 2004 past 10 years delinquent, extortion call being done ( threat to sue, garnish my Bank Accounts everything, an ABUSE ). Co calls done from XXXX XXXX XXXX caller identified as " Supervisor '', said Co were " Attorneys '' called XXXX XXXX ( did Browse, NON-existent ) File XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open due to identity theft I submitted my claim with the FTC and I have my FTC report number XXXX XXXX XXXX XXXX D/B Original creditor Name : XXXX  XXXX XXXX I would like it removed immediately I contacted this bureau several times by mail and phone
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, 2024- $ XXXX No reply XX/XX/XXXX, 2024- $ XXXX No Reply XX/XX/XXXX, 2024- $ XXXX No reply
Product: Credit reporting, credit repair services, or other personal consumer reports

You are the collection agency and you want me to fill out an identity theft form and send you a police report a copy of my ID my social security number and the utility bill. I am not about to send you all of my accurate information for you to have on record and use against me for an inaccurate account that I am currently disputing. I sent you the utility bill which shows that I was clearly living somewhere else well before this account charged off and had a different utility company. You have what you need to remove this inaccurate information from my credit report it is your job to find out who the account belongs to or who put it in my name not mine. You have not complied with the federal law because you sent me a statement as validation of the debt and that does not prove that I owe the debt because I don't owe the debt it only proves there is a balance. THIS ACCOUNT IS NOT MINE I WAS NOT AT THAT LOCATION DID NOT LIVE THERE AND PROVIDED PROOF THAT I WAS ELSEWHERE WITHIN THE SAME TIMEFRAME THAT IS ON THE SUPPOSED PROOF YOU SENT ME! PLUS 2 MONTHS PRIOR WHICH FURTHER PROVES THIS IS NOT MY ACCOUNT! REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IT IS INACCURATE! AND YOU ARE ILLEGALLY REPORTING TO MY CREDIT REPORT! Please resolve this issue because if I have to take further action and look into legal aid I will just have to do that at this point. I have tried to resolve it with you guys and you keep trying to beat around the bush on the absolute facts and proof I am giving you!
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection was illegally place upon my credit report with all 3 credit agencies, without my consent. ( TRANSWORLD SYS INCXXXX and XXXX XXXX XXXX ). Once paid and settled, I requested the creditor to delete the account from my credit report. They refused to. I requested XXXX, XXXX and XXXX to remove the unverified item off my credit report. It simply came back as verified as paid. I understand my rights under the Fair Credit Report Act, so dismissal of this account from my credit report is requested at once.