23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX- Last reported XX/XX/XXXX {$8900.00} Reported balance XXXX  {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$410.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, this is actually my 3rd time reaching out to the credit bureaus regarding these fruadelent accounts and inquires on my credit report. They refused to investigate and correct the errors. These accounts are NOT mine. i have attached the FTC report below
Product: Credit reporting or other personal consumer reports

First, the debt ( XXXX Credit card ) was written off and they still report that I owe them. Which I know is illegal since they wrote the debt off. Secondly, they did not provide me with a copy of the 1099-C for my taxes. 

and third ... my account limit is $ XXXX ... why do i owe them over $ XXXX? They never reported to me, why my account suddenly had a huge increase. I have disputed this event, but all the creditor said was the debt was accurate. No explanation as to why.
Product: Payday loan, title loan, personal loan, or advance loan

I have several pay day loans that were sold to collection agencies and the XXXX continue to call and lvm 's. I've advised that I filed bankruptcy and can not pay.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days this law because I am a victim of identity theft!!

These accounts should not be furnished on my consumer report as they are in VIOLATION| Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Sul to subsection ( c ) any consumer reporting agency may furnish a consumer report under ti following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CO to report anything on my consumer report which violates my rights as a federal protecte consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of my bankruptcy accounts listed IMMEDIATELY!
Product: Debt collection

Cell phone was stolen in XX/XX/2004 and company told me I can not cancel or report stolen and the person who stole my phone made long distance calls which was not free at the time and XXXX told me I was still responsible for charges.
Product: Debt collection

On XX/XX/XXXX I noticed that funds were being taken out of my paycheck regarding a garnishment. The documentation provided to my employer was from a judgement from XX/XX/XXXX sent to an address that I did not reside at for an owed amount of {XXXX} in principal and {$XXXX additional interest and Attorney fees creating an owed amount of XXXX A Filed Case was done in XX/XX/XXXX over XXXX  years after the original judgement to which the debtor claims {XXXX} interest with an XXXX % or {XXXX  per day has accumulated bringing the new owed balance of {$XXXX}. The statute of limitations is XXXX years in Nevada and this is for a debt that has passed the statute with interest that has tripled over the original amount in XXXX. The debtor sent the notification to an address that I did not reside at nor have they made any connections regarding this matter. I did open a claim with the XXXX XXXX XXXX which the debtor says they have made contact with me and is refusing to provide information regarding the debt. I have sent certified letters to the debtor trying to obtain a letter of validation of debt which the debtor refuses to provide. The addresses on file for the debtor are addresses where the company does not reside at. The company is XXXX XXXX XXXX XXXX  where the address on file are : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( address is an apartment complex with no apartment number ) and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( address is an dentistry as well as an return certified letter for undeliverables ). I finally found an address for the company at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX where I did send a certified letter that was delivered yet the company has not responded. The only conversation I have had with the company has been through my XXXX  claim which the company is denying to provide a letter of debt validation or other information regarding the previous attempts to collect upon this debt. The XXXX case is # XXXX. As of XX/XX/XXXX XXXX XXXX XXXX XXXX  has received {XXXX} and claims {$XXXX is still owed for a debt that I am not aware of, sent to an address that I did not live at, a debt that is past the statutes of limitations to collect upon, and will not relinquish any information regarding the debt or the attempts to collect upon it nor the attempts to contact myself regarding this debt
Product: Money transfer, virtual currency, or money service

I tried to send XXXX Bitcoin using Coinbase.com mobile app and the app responded saying that it failed to send the payment and to try again. I then went back and tried to send it again and it sent 2 payments, totalling XXXX Bitcoin. 

The Bitcoin address which the payment was sent to is : XXXX I then contacted Coinbase on the XX/XX/XXXXabout the issue and they responded 8 days later ( XX/XX/XXXX ) saying XXXX replied : Hello and sorry for our delayed response. 

Which did n't resolve my issue in the slightest and did n't even address the matter. I then replied to that asking for the issue to be sorted in which I never received a reply. 

Forward to the XX/XX/XXXX in which I wrote to them again asking for the issue to be sorted and once again received no reply.
Product: Vehicle loan or lease

Once again I have received a letter in the mail from SECU. now all of a sudden my car note is a month behind. When I have my car payment set on automatic draft. On my paydays on the last day of the month before my check is deposited into my account my car payment of {$220.00} is deducted out of my withholdings before I even get my paycheck. For the month of XX/XX/XXXX they refused to take a payment. And knowingly refused to advise me of the situation until XX/XX/XXXX surprisingly that happens to be the same day I got a letter about my account being closed. Which is nothing but retaliation from my complaints to the CFPB. Now they expect for me to make a double payment on XX/XX/XXXX this is totally unprofessional. I have reached out to the credit union and have not been answered yet. I demand answers I will not let this go any further than it already has
Product: Debt collection

ERC is reporting an account from XXXX that is fraud. I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Product: Credit reporting or other personal consumer reports

the lender XXXX  is furnishing inacuratem information on my consumer report its reporting XXXX late payments on on experian and XXXX late payments on transunion i would like these inacuracies removed from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to freeze my credit on Transunion. It made me make an account. Fine. I made an account. There was no mention anywhere that I would be charged money. Lo and behold, I was charged {$26.00} and I received an email saying this would be a MONTHLY RECURRING charge. 

This is a scam.
Product: Credit reporting or other personal consumer reports

I PULLED MY XXXX REPORT, AND DISCOVERED A CAR LOAN THAT WASNT MINE.
Product: Debt collection

Cascade collections keeps damaging my credit when we went to court and the judge ruled in no ones favor meaning I owe them nothing they owe me nothing
Product: Credit reporting or other personal consumer reports

This is my fifth 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 an alleged fraud or extortion. 
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

There is a debt on my XXXX credit file which indicates IC System as debt collected and also states CLOSED - PAID COLLECTION. I 'm not positive what that means but I have no debt and I never paid any collection.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax Information Services LLC due to significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) in my credit report. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my credit history. 

Issues Identified : XXXX. Confusing Comments : XXXX report includes the following statements : " Consumer disputes reinvestigation in progress. '' " Account closed by credit grantor. '' These comments differ significantly from the ones reported by XXXX and XXXX, which provide entirely different information about the account status. 

XXXX. Inconsistent Payment History with Blank Spaces : The payment history reported by Equifax includes : XX/XX/XXXX ( XXXX  days late ), XX/XX/XXXX ( XXXX  days late ), XX/XX/XXXX ( XXXX  days late ), XX/XX/XXXX ( XXXX  days late ). 
Blank spaces in XX/XX/XXXX and XX/XX/XXXX. 
Other months are marked as " XXXX '' This history contradicts XXXX XXXX  XXXX blank payment history. 
XXXX report, which shows a " XXXX XXXX '' designation in XX/XX/XXXX. 

XXXX. Inconsistent Dates : Last payment : XX/XX/XXXX Last activity : XX/XX/XXXX These dates are inconsistent with those reported by XXXX and XXXX, further reflecting a lack of reliability in the information provided by Equifax. 

Laws Violated : XXXX. XXXX XXXX. XXXX ( b ) : Equifax has failed to ensure the accuracy and completeness of the reported data. 
XXXX. XXXX XXXX. XXXX ( a ) : Unverifiable information, such as the contradictory payment history and blank spaces, has not been removed as required by law. 
XXXX. XXXX XXXX. XXXX : Incomplete data, such as blank spaces in the payment history, should not remain on my credit report.
Product: Checking or savings account

I have opened a claim and filed a police report because XXXX websites stole money out of my bank account with out my authorization. Turns out they are gambling sites. There is a site XXXX and XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX my son was playing games on my phone and without my knowledge he spent XXXX on a gambling site not for children. My information was right there for the taking this is the claim. 

Weve received your claim for your account ending in XXXX on XX/XX/2024, for {$1300.00}. Your claim number is XXXX. Keep these details handy, as we may follow up for additional information. 

XXXX was a company I had previously interacted with down the line and they authorized my card for an additional claim number XXXX for XXXX I have copies of the police reports and they still are saying it matches my record. This is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

inIn accordance with the Fair Credit Reporting Act. The List of Accounts Violated My Federal Rights protected by privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX  15 USC 1681 SECTION 602 A 1-STATES I have the right to privacy 15 USC SECTION 604 A SECTION 2- Also states a consumer agency can not furnish an account without written permission instruction 15 USC 1681c ( a ) ( 5 ) Section2- States no consumer reporting agency may make any consumer report containing any of the following items or information or any adverse item of information other that records of convictions of crimes which antedates the report by more than 7 years 15USC 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause its inaccurate 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 or other personal consumer reports

My complaint is against Experian and this is not a duplicate complaint. Per 605 b 15 USC 1681 c-2. Experian have refused to block the information that I submitted the company sent me an email requesting ID, ssn card, utility bill etc. Experian already has all of this information but continues to ask for the same thing as a stall tactic. All of the same accounts are still on my consumer file but Experian has sent multiple emails stating " update '' and to check my credit report. Nothing was done every account is still on my credit report. For the record I'm not asking for an updated account! I'm enclosing the generic email that was sent to me. EXPERIAN ALREADY HAS THIS INFORMATION THAT THEY CONTINOUSLY KEEP ASKING FOR!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, an unauthorized hard credit inquiry was pulled on my XXXX credit report by the company : XXXX XXXX XXXX. I did not authorize this company to obtain my credit information, nor did I authorize this company to inquire for my personal credit report from any credit bureau. My credit score was impacted by this fraudulent act from this company, and I have tried to contact them with no response. The parent company that owns XXXX XXXX XXXX is : SELF FINANCIAL, INC.
Product: Credit reporting or other personal consumer reports

I have check my credit report and I found out the 3 credit bureau are showing different information, first name last name, addresses, close accounts, balance, negative, different late payment all 3 credit bureau are mismatch and incorrect
Product: Checking or savings account

I am currently a Suntrust Customer. 

On XX/XX/XXXX my XXXX XXXX XXXX Retirement was deposited. 

On or about XX/XX/2020 I had some movies that were over due with XXXX XXXX which debited my account {$95.00}. 

This started a down hill spiral with my account. Suntrust has let my account continue to have charges debited from my account even though the funds were not available in the bank account, Each time the paid a debit that I did not have funds sufficient enough to cover the charges. They paid them and charged me {$36.00} each time, These transactions they paid even with the funds not being available, Has now cost over {$280.00} in total fees they have charged me. Not a single text or phone call email NOTHING, to let me know the account was over drawn. 

I went to the branch in XXXX NC Suntrust Bank XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX in Retail Banking she indicated that letters were sent out in regard to the overdraft, AS of XX/XX/2020 I have not received any letters in regard to my account being overdrawn. 

This seems like an abusive practice to me, Why did they continue to pay transactions when the money was not in the account. This was 8 transactions from XX/XX/XXXX to XX/XX/XXXX. 


I tried to file a compliant on the Suntrust On Line Compliant.  After answering all the questions and submitting the form. The screen told me to call an 1800 # I called the 800 number, They left me on hold for 68 minutes trying to locate a supervisor. This was unacceptable for me to hold that long. 

I feel Suntrust financially abused me and has taken close {$300.00} from my fixed income account and did so with out even a phone call! The lady XXXX told me they were not allowed to call me. This comment was a shock since they have called me in the past regarding purchases I made. 

Thank You for any help you can provide in this matter XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the incorrect items in my file that resulted from an alleged erroneous reporting but I still have ITEMS left that needed to be removed. This is my new complaint that I am a victim of erroneous reporting and I write to dispute these inquiries in my file resulting from the inaccurate reporting. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an alleged inaccurate reporting : XXXX : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter the fourth attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX Balance : {$950.00} ; XXXX XXXXXX/XX/year> ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX
Product: Checking or savings account

I had an investment account with Lending Club which was closed at some point. I am now unable to withdraw settled funds in my account. There are no valid contact methods to discuss this problem with the company as the indicated help email is inactive and in " sending-only '' mode per a response I received. I want to withdraw my money.
Product: Vehicle loan or lease

They I still own {$7800.00} on car I dont under stand. Im paying on car twice. 81 months finance ok. I dont understand I own so much They are riffing me off.
Product: Debt collection

I scheduled service on XX/XX/21 for internet to be connected at XXXX XXXX XXXX, XXXX XXXX On multiple phone calls I stated that we must have a static IP address and was assured we would have one. My wife works from home so prior to moving we also called in to confirm the appointment and once again request a static IP as she would not be able to work without one. 

On XX/XX/21 the technician came out and did the install and when she asked him to write down the static IP down for her, he told her that there wasnt one. XXXX had sent out a Residential technician and not a business technician. I have spoke with them multiple times because this was an error on their part. We established on every phone call with XXXX that we would require a static IP address. They are trying to collect the residential setup fee but it it not our fault they made an error. My wife repeatedly made me double check that we would have static IP. 

I called and was assured that this was a mistake that the account was set up incorrectly and the residential account would be canceled nothing to worry about. They sent a technician out to provide the static IP address on XX/XX/21. My wife missed 2 full days of work due to a mistake by XXXX.
Product: Credit card

I paid off American Express back in XXXX, I paid the full amount but on my credit report it states this.Paid, Closed. {$9000.00} written off. None of the account was written off. It was paid in full.
Product: Mortgage

Gold Star Mortgage rejected my application to refinance of my home and would not return my appraisal fee, after i requested them to do so. They stated that I have a foreclosure on my credit report, to a house that I do not own. The foreclosure pertains to my mothers house not mine. Gold Star was the first to ever inform me of a foreclosure. A demand letter was sent on XX/XX/2017, to either provide to me legal documents that bind that foreclosure with my name on them or return my appraisal fee by XX/XX/2017. 
Basically, Gold Star informed me that I have to prove my innocence of the foreclosure by providing a copy of my mothers Family Living Trust, which I do not have. 
I informed Gold Star that they basically needed to provide proof that I am guilty of a foreclosure or return my appraisal fee.