23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I rented from XXXX XXXX XXXX XXXX beginning Im XXXX of 2016. I paid XXXX, the property manager, two checks before moving in. One was my deposit and first months rent. And the second was the remaining rent for Term of the lease bc I had just received a large sum of funds and wanted to pay in full. She accepted and cashed the checks. Numerous issues evolved. Including maintenance never fixing our AC. I had a XXXX XXXX old baby at the time who could have died. The foundatiOn of the home was sinking. There were horrible issues. So the company agreed to give me my deposit back and money id already paid bc of their negligence. Well I moved and never received anything from them at my forwarding address. I called many times to no avail. Then over a year later I notice on my credit report that a debt collections agency reported I owed almost {$6000.00} to XXXX XXXX. First off I have no clue who XXXX XXXX  is. Second I was never contacted by XXXX or the collection agency. Third they waited a year to falsify information to not have to pay me. This is awful. And needs to be rectified. They told a judge that Id never ever paid them any money. No deposit. No rent. Nothing. Now we all know thats not true bc you can not move in without deposit and rent. Plus my mother was wiTh me when I handed them thoUsands and paid up from. Falsifying court documentation is a felony. What they have done to me is as well.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts be BLOCKED AND DELETED TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried to send money from XXXX to XXXX from the MoneyGram app, for which I used my credit card ; After having entered my bank details in the application, an advertisement appears warning me of an error and to try again, so I followed this guidance for 3 times, then it appears that I have reached the maximum number of attempts, after which I log in to the account. my bank and I realized that the money had been discounted ( XXXX clp ) in each of the attempts made. I immediately contacted my bank who recommended that I contact Moneygram because they actually withdrew the money from my card. I have communicated since that date with this company through multiple means and the situation has not yet been resolved. I would be grateful if you could help me solve this problem as soon as possible.
Product: Debt collection

Comenity Bank called me last night and continued to try to collect on a debt even though I had stated I had opened a complaint about them with the CFPB. I tried to call today and they refused to take my call even though the call center was still open. It was open until XXXX XXXX on a Saturday and I called around XXXX XXXX. My mother complained to me that they were calling her cell phone when I had never given them her phone number. After attempting to call their call center, I checked the account online and asked them to close the account because it's not closed. I checked my profile and it had my mother 's cell phone number listed as an alternate number. This means that either my online account has been hacked or someone at the company put this in as an alternate number. Either way I feel I have been violated and the victim of identity theft. I did not provide them with this phone number and I have no idea why it is listed in that section. I recently removed an alternate number and left the field blank. I also thought they were supposed to stop calling to collect the debt while the CFPB complaint is open, which I checked on my account and it is. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or around XX/XX/2023 request my credit report and i noticed some inquiries that i don't recognized I ask to experian, XXXX, and XXXX to do an investigation because i don't recognized these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 Balance Owed : {$9100.00} ; XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Secured Loan- Charged Off {$1200.00} XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}, Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

COMPANY TRANS UNION AND XXXX, THAT WAS BUILT OFF OF XXXX CONTINUES TO BREAK THE LAW BY VIOLATING MY CONSUMER RIGHTS. TRANSUNION IS FULLY AWARE THAT THEY ARE BREAKING THE LAW AND CAN BE SUBJECT TO A CIVIL SUIT DUE TO THEIR NEGLIGENCE. TRANSUNION AND XXXX HAS VIOLATED 15 US CODE 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. THIS MEANS TRANS UNION IS VERY AWARE OF WHAT THEY ARE DOING AND DOES NOT CARE ABOUT THE CONSEQUENCES. I HAVE ASKED THE COMPANY TO REMOVE FRAUDULENT ACCOUNTS AND INQUIRIES OFF OF MY CREDIT REPORT FOR YEARS ( XXXX XXXX XXXX SUCH AS ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ( THAT WAS REMOVED AND NOW HAS RE-APPEARED AGAIN ). COMPANY TRANSUNION AND XXXX AGAIN HAS VIOLATED 15 US CODE 1611- CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. WHICH MEAN YOU HAVE VIOLATED AND YOU REFUSE TO REMOVE, WHICH YOU ARE NOW AWARE THAT YOU ARE BREAKING THE LAW. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX ( 3 ACCOUNTS ), XXXX XXXX XXXX AND ALL FRAUDULENT INQUIRIES OFF OF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday XX/XX/XXXX, it was brought to my attention that a fraudulent account had been added to my credit report. 

" XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) '' This 'collections ' account is not only fraudulent but is direct violation of several laws, in addition to the rights of a consumer through the fair credit act. 
1 ) This account has been removed several times from XXXX, and XXXX XXXX as fraudulent. 
2 ) It is showing this account has been paid or in good standing since XXXX, which is not true, because this account is Fraudulent, and just been added to the account. 
3 ) It is a 'collections ' account, but doesn't correspond with any account on my report, as my report shows, I have never missed a payment.

4 ) They are re-aging/changing dates on this Fraudulent report, from the original dates they tried to apply it to my report the last time, in hopes of having placed again on a different reporting agency.

5 ) It has chanced reporters for the fourth time, and each time I have provided proof that this account was fraudulent, it has been taken off my account, and then a few months later the account shows up again without any foundation to their claims.

6 ) This stems from the identity theft I experienced from XXXX. 
7 ) This account CAN NOT be legally verified as accurate, due to it be fraudulent, and me never owing this company, or any of the one 's before it. 


If this is not immediately removed, I will seek swift legal action in my local jurisdiction, as is my right, against this company, and any reporting agency that allows this account to remain on my credit file. 

This will be my only attempt to handle this issue outside court. 

I will not be made to continue re-prove the inaccuracy and fraudulence of this report.
Product: Credit reporting or other personal consumer reports

Experience failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Exerians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

XXXXXXXX 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

My boyfriend who lives with me had a friend who introduced me to XXXX XXXX who owns XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. XXXX told me he was a prior accountant and very knowledgeable about PPP loans and would help me fill mine out. I emailed him my social and banking information onXX/XX/2021 he asked for and he filed the loan and then changed all my passwords and opened lines of credit without my concent, and I am still in the process of fixing it as we speak. He even filed for unemployment and made a pin and added his banking info so that my unemployment claims go to his account. I called chase snd reported all these fraud charges onXX/XX/21 on my business chase account as well as personal accounts. I am supposed to call them back this morning and review the charges again and take further action. I was awarded {$28000.00} by funding circle for the PPP loan but he changed the login information and I believe funding company so that he would recieve my PPP loan. I filed a police report onXX/XX/21 by the XXXX Police Department for fraud against this person. I can provide Incident number snd all information for the report when someone contacts me.
Product: Credit card

CLAIM ID : XXXX Account Ending in XXXX I would like to request for my dispute with ID XXXX to be reopened and for my account to be credited with the amount of {$1300.00} as I confirm that I have returned the jacket following all the instructions provided by the merchant, and to prove that point, I'm sending attached the following documents : XXXX. XXXX Tracking Label originally provided by the merchant with Tracking Number XXXX where you can see the tracking updates showing the timeline since I dropped off my return to it being received by the merchant 2. Merchant original confirmation stating that they have received my return 3. Ongoing email conversation with merchant where they failed to address their ability to locate the return delivered to their warehouse 4. XXXX XXXX XXXX complaint related to this case In the observance of the above documentation, I think it becomes pretty clear that I followed to the letter all the instructions provided by the merchant, and if the merchant claims that they have not received the returned merchandise, that's their fault, not mine. 

Attentively,
Product: Consumer Loan

American Honda Finance is incorrectly reporting a 30 day late payment on my credit report for XXXX XXXX. I have a credit report dated XXXX XXXX XXXX that did n't report a late for XXXX, but showed a late in XXXX XXXX, also in error. Also attached is a report from this account from XXXX directly that shows XXXX in XXXX. 
We notified Honda, and they updated XXXX to reflect as paid as agreed and removed the late, but at that time they THEN reported XXXX as a 30 day late, as shown on my credit report dated XXXX XXXX XXXX. There should be no lates shown since XXXX XXXX. I have tried at great length to have Honda correct it but they refuse. I am attempting to buy a home and a new car, and this error is having a significant impact on my ability to qualify and the cost of credit with interest rates. Honda had system problems that were causing payments to not be posted or processed correctly, and they even had an announcement on their website, and their phone system informed people of the problem when you called in as well. ( and we have a photo of their website showing that announcement ) We also have all the proof that shows when the payments were made ( not 30 days late! ) I spoke to XXXX in XXXX at Honda financial together with my mortgage broker, on XXXX XXXX XXXX, with no success. At our request, she transferred us to leave a voice mail for her supervisor, XXXX, which we did. 
Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day Sir or Madam I have requested several times that my name and address be updated on all 3 Credit Bureaus including Experian Under the Fair Credit Reporting Act ( FCRA ) My report should reflect accurate information I have provided all bureaus with copy of id and bill so my credit report would reflect the correct information. I have no access to receive any correspondence to any addresses listed on my credit report other then the one that is on my id and bill that already been submitted
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may Concern, I have attempted multiple time to remove negative marks and the balance posting on my account with XXXX, Equifax and XXXX. XXXX XXXX has not been responsive to my complaints so I need the credit reporting agencies to fix the inaccuracies based on my supporting documentation. 

XXXX, Equifax and XXXX was contacted multiple times in XX/XX/2020 to the current date through a credit repair agency regarding XXXX XXXX  false reporting on my credit. I have documents showing the inaccurate reporting and ask that these negative marks be removed due based on The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit age is not reflecting correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX acct. # ending in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : acct. # ending in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct. # XXXX, these companies with these accounts have 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 states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) states ; No consumer reporting agency can make any consumer report containing any of the following items of information : Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any 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 been unable to get any credit cards and my credit history was destroyed, because of XXXX XXXX XXXX XXXX XXXX being hacked by an individual in XXXX as reported to consumerfinance.gov. Since that happened 3 year ago, I have not been able to get any credit cards. I travel often, and I only have the XXXX debit card issued to me by a bank who would worked with me on the problem. This wonderful bank worked with me to solve my problem and helped me reclaim as much as they could. The hacker also open an account with XXXX as stole money. XXXX worked with me refunded the money. XXXX XXXX would not work with me and now say I owe them {$5000.00} USD illegally stolen by the hacker from my XXXX XXXX banking account, which was their cloud service problem too.
Product: Credit reporting or other personal consumer reports

XXXX XXXX charged off my account, but I did not receive a 1099-C form for the canceled debt, which the IRS requires them to issue when they forgive a debt of {$600.00} or more. As of the date of this letter, I have not received the necessary documentation to report this debt cancellation on my tax return. Despite my attempts to resolve the issue directly with XXXX XXXX, they have failed to issue the 1099-C form or provide any explanation for their non-compliance.

As a result, I am concerned about the potential tax implications, as this debt cancellation may be considered taxable income. I believe that XXXX XXXX 's failure to issue the required tax documentation has caused me unnecessary confusion and potential financial harm. Additionally, I am concerned that they may have violated consumer protection laws by failing to adhere to IRS reporting requirements, especially if they have reported this debt as a charge-off on my credit report without issuing the appropriate documentation. 
It has come to my attention that this alleged debt, which has been XXXX, is being treated as a Negative Item on my consumer report, which had an impact on my life and my family 's. I would like to clarify that Canceled Debt is prohibited from being reported on consumer credit reports. This inclusion of canceled debt should be considered as taxable income on my tax return. However, I never received this document even though it was charged off as of 2023.

This may inadvertently create tax complications, as you were required to send the 1099 c document prior to year end 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, Transunion has violated my rights. 

Transunion is in direct violation of 15 USC 1681. I have the right to accurate information being reported on my consumer report.

Direct violation of 15 USC 1681B- permissible purposes, as I did not give transunion any written instruction to furnish such inaccurate information Direct violation of 15 USC 1681E ( B ) by failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the furnished report relates to please refer to the documents attached to this complaint, stating the facts and information regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft and on XX/XX/2022, I submitted a letter to all 3 credit reporting agencies Experian, XXXX and XXXX disputing a XXXX account that was opened fraudulently. I sent a letter requesting that the credit reporting agencies investigate this matter along with my police report, my FTC report and verification identification. XXXX deleted the account as well as Experian and XXXX. Experian and XXXX proceeded to put the account back on my credit after the deletion. I contacted both and asked how did they decided to add this fraudulent account back on my credit profile, and I was told " because the creditor state that it was mine '' and that the creditor did not have to submit any verification documentation. This is unfair, because the credit bureaus have a vested interest, they are paid by the creditors to report information, therefore, the creditors can say and report anything. 

Please investigate and remove the fraudulent account from my credit profile. I have attached my supporting documentation. 

Thank you
Product: Debt collection

I called this fraud company because they appeared on my credit report. I didn't recognize them so i called them and they said that they wouldn't tell me what the debt was unless i paid them a processing fee first and asked for my credit card info. I called back and they kept doing the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I applied for the Destiny XXXX, issued by XXXX XXXX XXXX, Member FDIC, and serviced by Genesis FS Card Services , Inc . They performed an inquiry on my XXXX Credit report on XX/XX/2023. I never heard back from them, neither with an approval or denial, and never received any letter indicating adverse action. Its been over a month since today is XX/XX/2023. I attempted to call their customer service to get a status about 4 days ago and the representative stated the application is pending. The representative gave me another toll-free number to call for a status and that number turned to to be for a completely different card thats a XXXX XXXX secured credit card, which I never applied for, that is issued by a completely different company, XXXX XXXX XXXX XXXX, XXXX Isnt XXXX issuer of the Destiny Card required to send an adverse action letter if they are denying my application for the card?
Product: Credit reporting, credit repair services, or other personal consumer reports

trying to get my credit reports XXXX tu and XXXX
Product: Debt collection

XX/XX/2020 a collection was on my credit of {$3400.00}. From the original creditor of XXXX XXXX. That total amount is very inaccurate. I was never informed by mail, called, or any form of communication with this company.