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

It has been 6 months and Equifax and XXXX STILL isn't reporting accurate information. My credit reports from both Equifax and XXXX reflects 4 credit accounts, I have 6. I have a mortgage but my credit reports do not show it. I refinanced my car but my credit reports do not show that either. My Equifax credit report is still showing an account that was closed 3 months ago. The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to report consumer credit information accurately, fairly, and in a timely manner. This is unacceptable.
Product: Vehicle loan or lease

XX/XX/2021 This complaint is in followup to my previous complaint # XXXX. Bridgecrest did not accurately update/correct my credit reporting as promised as a result of my previous complaint ( See attached letter confirming this ). Per Bridgecrest 's published response to my previous CFPB complaint, all credit bureau reporting was to be updated to remove all derogatory information. During my telephone conversation with XXXX XXXX. ( Bridgecrest Compliance Dept. ) on XX/XX/21, I notified her that my credit reports have NOT updated accordingly as promised. She advised that perhaps the credit bureaus have not updated yet and suggested that I contact the bureaus because it was not the fault of Bridgecrest that the bureaus have not updated. However, I have disputed with all credit bureaus in order to have the reports updated. They have completed their investigations and all have confirmed that Bridgecrest is still reporting my account as a " PAID CHARGE-OFF '' with a " MAJOR DELINQUENCY '' first reported XX/XX/2021. The most recent completed dispute/investigation results are from XXXX  dated XX/XX/2021 ( over 45 days since I was first told that my reporting would be changed to show no derogatory information whatsoever ). I have, indeed, followed the advice of XXXX XXXX from Bridgecrest by contacting the bureaus as well as filing credit disputes in order for an investigation to be carried out. The results of these actions confirm that my account is not being reported as completely positive with no derogatory information as promised ( in a telephone conversation with XXXX XXXX on XX/XX/21, by a letter sent via XXXX First-Class mail from Bridgecrest datedXX/XX/21, and by the Bridgecrest response on XX/XX/21 to my CFPB complaint ). As of today, XX/XX/2021 ( 90 days since I was told that my reporting had been updated to reflect a positive status with no mention of any negatives ), XXXX and XXXX  are still both reporting DEROGATORY, PAID PROFIT AND LOSS, CHARGE-OFF, etc., which is not the information that Bridgecrest promised to report.
Product: Credit card or prepaid card

A credit card with a limit of {$1000.00} USD was opened under my name and social security number by PayPal. I have never used PayPal services nor have I ever had an account with PayPal. I was first made aware of the account when it appear on my credit report. I have since requested the account be closed through synchrony bank and reported the incident to the credit bureaus. Its alarming that PayPal is in the practice of opening accounts unbeknownst to the consumer. These practices seem predatory and should be reviewed a little closer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Number : XXXX Case Number : XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> I am writing about incorrect information on my consumer report. I asked you before to delete this wrong information, but nothing has been done. This is my final attempt to resolve this issue before I take legal action. 

LexisNexis has not provided any details about how the accuracy of my report was verified. I need to know who verified the information, their contact number, and the date of verification, especially concerning the claims from XXXX XXXX XXXX and XXXX XXXX. 

As a consumer, I have the right to privacy, and this inaccurate bankruptcy information must be removed from my report. Additionally, I request the removal of claims by XXXX XXXX XXXX and XXXX XXXX because they have not been verified. 

Please address this matter urgently and confirm the deletion of the incorrect information from my consumer report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX 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 can 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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

Around XXXX or XXXX of 2022 someone contacted me via my XXXX XXXX for XXXX XXXX for their 3 XXXX  relatives. After agreeing to XXXX  them I was instructed to look for a check in the mail and some time a check did arrive. After it cleared I promptly paid some bills and held on to the person 's agreed amount to be sent back. After seeing a XXXX return address I was reluctant to send money back and was charged with cashing a counterfeit check.
Product: Debt collection

I continue to receive threatening letters from Transworld Systems in spite of the facts that:1. The debt was paid by check which was cashed on XXXX XXXX, 2015 ; 2. I telephoned Transworld Systems on XXXX XXXX, 2015 at XXXX PST and informed XXXX XXXX that the debt had been paid. She assured me the threatening letters would stop but I received yet another on XXXX XXXX, 2015.
Product: Vehicle loan or lease

On XX/XX/2022 and XXXX Kentucky I paid {$5000.00} down at American Car Center. My lease agreement was for a 3-year term with a major parts warranty for 3 years as well as 6 free oil changes. Within 90 days of this transaction I was informed through XXXX that American Car Center had filed for bankruptcy. Several weeks later I was sent a text stating that Westlake Portfolio Management would be handling ACC accounts. Unbeknownst to me Westlake Portfolio Management is in fact a debt collector that purchased the loans on the vehicle. From what I can tell with my online accounts there has been some fraudulent calculations regarding the money that's been paid towards this vehicle. I am unable to get my car tags renewed because of the shady business deals. For 9 months I have been under such a great distress because this vehicle is the only vehicle my household has to get to important medical appointments. I have learned through several social media groups that hundreds of people has had their vehicles repossed even after paying their payments. I feel like ACC knew exactly what was going on and they tried to get all of the money they could from the consumers before they close the doors. The day that this vehicle was leased the entire transaction seemed shady but at the time I was under a significant amount of pressure to obtain a vehicle because the vehicle I had prior to this one was totaled when I hit a deer. I would like to file a complaint and find out furthermore if any legal action can't be taken against either of these companies. They have not upheld the end of the contract.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$84000.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX Balance : {$84000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT FILE BACK IN XX/XX/2018 AND SEEN SEVERAL ITEMS ON IT THAT WERE NOT MINE, I CALLED THE CREDIT UNION DIRECTLY AND THEY WERE NO HELP AT ALL, I CALLED XXXX  AND XXXX, XXXX AND FILED A DISPUTED WITH THEM AND EVERYTHING CAME OFF EXCEPT XXXX. I CALLED AND TALKED TO THE FRAUD DISPUTE TEAM AND EVEN FAXED IN MY POLICE REPORT AND THEY STATED TO ME IT WILL COME OFF ASAP AND THE ACCOUNTS WILL BE BLOCKED. NEVER HAPPENED AND NOW MY HOME LENDER IS CALLING MY HOME NOTE IN DUE TO THIS PROBLEM. NOW THERES ADDRESS IN SOUTH CAROLINA POPPING UP ON MY FILE WITH XXXX. I CALL DAILEY BUT NO HELP. I HAVE ATTACHED MY UPDATED POLICE REPORT THATS BEEN VERIFIED WITH THE OFFICE OF THE CONSUMER AFFAIRS. PLEASE HELP OR I'LL SEEK LEGAL ACTION.
Product: Debt collection

This is an old debt that was closed on my credit report. An ex employee I worked with started working at this loan place and they got the information from her and contacted me at work. I was embarssed she humiliated. I cant have personal calls. They threaten to garnish my check and asked to be transferred to human resources
Product: Debt collection

I do not recall the services for this bill. Never received documentation before being swnt to collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed us Dept if education {$1500.00}. I made payments monthly and made the final payment if {$260.00} in XX/XX/2019 where the account was paid in full. The status was reported to all 3 credit bureaus as paid ( equifax, XXXX and XXXX XXXX ). In early XXXX the account went back to me owing {$560.00} and is still in collection with Equifax and my credit score dropped by 40+ points. I disputed with Equifax and called US Dept Ed. The dispute was closed with the inaccurate information again so I filed a new dispute with XXXX Equifax and US Dept of Ed. Ive done this 3 times in the last 2 1/2 months and the issue is still not resolved.
Product: Credit reporting or other personal consumer reports

I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy ; ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX  XXXX XXXX ), you XXXX be liable for your willful non-compliance if the validation of debt request isn't completed. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Please have the creditor provide the validation documents to the CFPB as well as certified mail to me. It's extremely important that the creditor provide the documents to CFPB to ensure fairness and that they are not brushing me off. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federal protected consumer rights to privacy and confidentiality under ( 15 usc 1681 ) I told XXXX, transuion, and XXXX  to reinvestigate these accounts XXXX XXXX XXXX acc # XXXX  XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX 15 U.S.C 1681 ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I have filed a dispute against XXXX XXXX XXXX with all XXXX and XXXX on XX/XX/XXXX The collection was assigned on XX/XX/XXXX in the amount {$1300.00}. XXXX a disupute investagtion for incorrect information being reported the collection was removed from the both XXXX and XXXX. I attempted to submit a dispute on Transunion online but was unsucessful. I contacted Transunion via phone on XX/XX/XXXX and recieved my dispute letter on XX/XX/XXXX. Transunion failed to remove the incorrect account information from my credit report dispite providing proff of the account beinf delted from both XXXX and XXXX. This is unfair reporting and has caused a negative imapct on my ability to purchase a home due to high interest rates, low credit score and derrogetory account history. Please delete account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please provide me with a copy of any contract I signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) I request the following information. 

XXXX. Proof that the original creditor securitized the debt. 

XXXX. Documentation showing that the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

This debt was charged off in XXXX and it then reappeared on my credit report in XXXX and XXXX. 

Please cease and desist from collecting on this debt until you have provided validation of debt. 
Additionally I request that you do not access my credit report or report anything to my credit bureaus. 

I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit card

Credit card, every financial vehicle, experience fraud not just " a charge dispute. In retrospect it started 2 to 3 years ago although I didn't know what it was from. Identity theft at first but now I realize it's called XXXX. And someone must stop it. I CAN NOT. 

I will confined my comments to mileage plus XXXX XXXX account number ending in XXXX. It's gotten to the point where every time I call it takes 6 to 7 minutes of questioning like I'm being interrogated until they get to resolve what I called for and then there are still more questions. The reason I called never got addressed, when the XXXX  CREDIT CARD AGENT STARTED ASKING ME THE SAME QUESTIONS OVER AGAIN. A charge on XX/XX/year> {$XXXX} to XXXX is a DUPLICATE CHARGE and needs to be removed immediately. 

Secondly, a {$XXXX} charge, on XX/XX/year> by " XXXX XXXX  XXXX '' needs to be removed immediately as fraud. XXXX XXXX XXXX was not even billed for dental work, and unless I complained XXXX probably XXXX not have been billed at all in the first place. This {$XXXX} charge, and others is ruining my credit report. 

these are the reports of ID theft, and XXXX ( XXXX XXXX XXXX XXXX FTC Fraud Rpt # XXXX & Fraud Rpt # XXXX & Fraud Rpt # XXXX & Fraud Rpt # XXXX IRSpin recd IRS XXXX # NCIJTF/ CFPB XXXX XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX US-CERT Incident ID # XXXX ) NO ORGANIZATION HAS HELPED ME YET. CFPB NEEDS TO FOLLOW THROUGH ON THIS COMPLAINT FOR ME PLEASE, on this Mileage Plus VISA CARD. BUT ALSO REPORT THIS TO AN ORGANIZATION THAT CAN SEARCH BANK RECORDS FOR THE XXXX REPORT THAT XXXX, XXXX, XXXX XXXX BANK HAVE
Product: Debt collection

Blueshore Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX was notified on XXXX XXXX XXXX to cease and desist contacting family and third parties regarding this debt They have all current contact information on myself. Phone, address etc. XXXX XXXX XXXX XXXX they contacted my husbands ex wife, asking for my step son in regards to this debt ... .. I spoke with supervisor XXXX XXXX on the XXXX after they had harassed my sister at work! 

XXXX issue. This debt was paid off in XXXX of XXXX to the cash store XXXX. I do not owe this debt!
Product: Money transfer, virtual currency, or money service

I'm filling a complaint against cash App ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically, cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dipute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( Efta ) and regulation e. these actions have cause inconvinice and financial loss and I seek the appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX 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 consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX with a balance of {$640.00}, a personal credit card account opened at XXXX on XX/XX/XXXXXXXX  under the account number XXXX with a balance of {$5700.00}, a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX  under the account number XXXX with a balance of {$1900.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries 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, collections, or hard inquiries as reported. The aforementioned accounts, collections, charge offs, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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, charge offs, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 accounts on my credit report that do not belong to me in any way I have not approved signed or used these accounts on these off my credit report since they do not belong to me I have gone thru the bureaus and the furnishers and thye are not acknowleding me at all what can I do. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a relationship with XXXXXXXX XXXX. I'm not sure what this debt is. I have attempted to notify them of that several times and have been assured it would be removed, yet the balance remains on my credit report. The address on the account is one I have not lived at for 8-10 years.
Product: Debt collection

I was contacted at work and given the number XXXX to contact about a case # XXXX. I called the number and gave the case #, I should not have given my social security number over the phone. There was no company greeting, just a " how can I direct your call '' I was transferred to a representative and was told that there was a judgement being filed against me. I was given the terms of the judgement. I asked for a payment plan, he placed me on hold and " spoke with the client '' they wanted to know when I could pay the money. He then started demanding my pay schedule at work. I said I would not give that information to him. he said fine I 'll just get it from the judgement. He then hung up the phone.
Product: Credit reporting or other personal consumer reports

This has been a very long, painful process of trying to obtain numerous credit freezes on my credit reports, only to find out that the information that is listed on them, with all bureaus, is very inaccurate. I've never known who to talk to, especially when I tried years ago to reach out to the credit bureau and wasn't heard. There are addresses, companies, names, phone numbers, etc. That I don't know anything about and it's negatively impacting my credit scores across all the bureaus. I'm unable to get anything in my name. Recently, approximately XXXXXXXX week, I tried renting a rental car with XXXX. Much to my surprise, I couldn't because once again I was told that my credit score was too low.