23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Atlantic Recovery Agency has been harassing my family.They call different people I know and is extremely rude and aggressive. They also call from a regular phone ( XXXX ) or a ( XXXX ) number but when they leave a voicemail they have us call back a ( XXXX ) number. I was supposed to be receiving a email or a letter with the XXXX collection information, and have yet to receive it. But Theyre constantly calling me I get at least 15-20 calls a day from these people
Product: Credit reporting or other personal consumer reports

LexisNexis continues to report incorrect information on my consumer report. There are several misspellings of my name. My name is XXXX XXXX this is the only spelling of my name. LexisNexis has 7 days to remove any names or spelling that are not mine.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Payday loan, title loan, or personal loan

The date began was XXXX, 2020. From a recommendation of a company called Check n go for an installment loan. The amount borrowed was {$2000.00}. dollars, received {$1600.00}. oo, the r3emanider was paid to Check n go for the balance on a loan. The website was called XXXX XXXX, which was redirected to the company called XXXX, which is also part of Check N Go Corporation, in XXXX Ohio, They wante a total of seventeen payments, of {$280.00}, I missed one payment which I informed them, that the account which was ACH by the way, was to be closed or so I thought, and I would send tem a new account, which is called XXXX, I changed my mind and sent them postal money orders, which they sent me three different amounts, that I owe, now they want another XXXX, dollars which I am not going to pay. I have already paid {$2300.00}. 00 back. I checked with the Chamber of Commerce in the city, they told me Check N Go bellied up. Went out of buisness, address was listed under renovations. So I have not paid any more payments. Their collection department sent me another bill for {$860.00}. XXXX, The website, XXXX XXXX, which is supposed to be their website, has diplays of tvs, tablets, other electronics for sale. The percentage rate is astronomical, I do not recall them specifying the amount, of percentage and daily rate. I assumed that the loan was for the amount paid off, as well as the balance. I don't have a problem paying what I owe, but another amount that XXXX have been paid what I borrowed plus some interest, Please investigate this matter for me, if you have any questions or need paperwork, Please give me time to obtain it by printer, and I will fax to you.
Product: Debt collection

I contacted XXXX XXXX, my old apartment complex because they said Me and my husband owed a ton of money when we moved out. I contacted them and they took off quite a bit with the proof of documentation I had. I sent quite a few certified mail letters and emails and they wouldnt responded. I tried very hard because I had paperwork from them supporting that I owed no money and I did everything correctly when I moved out. They would never respond to me and I couldnt do anything about it. I never received anything about this going to collections. I have leases and documents since the time I moved in 5 years ago to prove everything but they r not willing to look at anything. Also they recently switched management and dont have a lot of the older documents. They are XXXX who were horrible and I felt constantly endangered for my life because they did nothing to protect anyone. I always felt scared and unsafe.
Product: Credit reporting or other personal consumer reports

Under the provisions outlined in 15 USC 1666b, late payments linked to accounts identified as XXXX and XXXX must be removed from my credit report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Product: Debt collection

Acima and XXXX  are trying to collect XXXX when they delivered item in the middle of my living room floor I requested them to come get the item in witch they damaged. They offered a XXXX dollar credit for damages. So I said ok but they need to send someone to move the item because I am handicap. They sent someone to mover the item and pick up the water hose since there was no hook up. I was told once they returned they would refund XXXX for the hose. They came took hose but never moved the fridge. I then called XXXX  who said they cant pick item up I need to call acima to pick up. Acima refused to pick up item because they had no one in area to do so. So acima then made a settlement deal for XXXX. I accepted the deal in witch I told acima I had made a payment and was owed a XXXX credit so I would only owe around XXXX. The gentelman on a recorded call said so you owe XXXX I will put that in the notes thats all you owe. Remind you calls are recorded. I said ok when I called to make a payment they told me the settlement amount wasnt allowed
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX And my Information was stolen. Thieves are continuing to try and use my information to get goods and render services in my name. It has stopped me from getting a house and a car. I originally filed my fraud alert on XX/XX/XXXX. As of today, the fraudulent accounts are still reporting to my credit.And I don't Know why.. 

These Account are not mine and I have no clue how they got there. and its hindering me from progressing financially EXPERIAN XXXX XXXX  XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX  XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} INQUIRY- XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} Please Remove these fraudulent accounts from my credit report. My information was compromise and I strongly believe my information was victimized by the breach. I do not know where the accounts came from nor did I open any of theses accounts. 

I am currently in the process of consulting with my lawyer on weather I not to proceed with a lawsuit if the accounts are not removed Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case EXPERIAN XXXX XXXX Operations Manager Experian XXXX XXXX@Experian.com XXXX XXXX CEO CEO Experian XXXX XXXX XXXX@experian.com XXXX XXXX XXXX Executive Vice President XXXX  XXXX XXXX XXXX XXXX Director Fraud and Identity management XXXX XXXX XXXX XXXX  XXXX XXXX Senior Vice President XXXX fraud/ID Theft XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Corporate vice president chief legal officer XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX , underwriter to XXXX XXXX, honor their financial agreement by providing funding to that is owed to me under their auto contract agreement to purchase. 
This GAP Insurance provider was assigned to me by XXXX, when I purchased the vehicle that was involved in a car wreck and totaled out on XX/XX/year>. I dont feel that it is my responsibility to twist their arm to obtain funding that is owed to me. As a consumer, I did not select them to represent me as my GAP Insurance Policy provider, but was instead given NO choice to select a reputable GAP Insurance Company provider. 
The only reply that XXXX  is providing to me is to continue reporting negative information to my credit files and destroy my credit ability to invest in my future by charging me with late payments for a vehicle which I fully covered with my funds that no longer exist. 
I did not select a negligent company as a GAP Insurance Provider and should not be penalized for their lack of payment. XXXX  should continue to contact the GAP Provider for full payment and not damage my credit ability. 
I have also asked that while this case is in litigation, their negative false information should be removed from my credit files pending resolution. The negative false information that XXXX is reporting is damaging my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a collection account on my credit report that is a third party account. By law a credit company can not report a third party account, only the original debtor.. I would like this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The XXXX and Equifax and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

i have medical debt collection on my credit which are not mine and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Us Bank reported to the credit bureau that I made no payments on my account from XX/XX/2020 thru XX/XX/2020. This information is not correct as I have made ALL of my payments from XX/XX/2020 thru XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate late payment entries on my credit report regarding my account with XXXX  XXXX ( Account # XXXX ). These late payments appear to be reported in error, as the account is marked as XXXX across all bureaus and there is no valid evidence to support these entries. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Details : Account Name : XXXX  XXXX # XXXX Late Payments : The account is marked as Current across all three credit bureaus, yet late payments are reported inconsistently : XXXX : Reports 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
Experian : XXXX 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
XXXX : XXXX 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), and 120 days late ( XX/XX/XXXX ). 
This is a major discrepancy because : The Payment Status is listed as Current.

The Past Due amount is {$0.00} across all bureaus, meaning no payments were late or owed. 
2. High Credit Discrepancy : XXXX and Experian : List the High Credit as {$510.00}. 
XXXX : Lists the High Credit as {$0.00}, which is incorrect and inconsistent with other bureaus. 
3. Future Reporting Dates : XXXX and Experian : " Last Reported '' date is XX/XX/XXXX. 
XXXX : " Last Reported '' date is XX/XX/XXXX. 
Reporting dates in the future violate FCRA Section 607 ( b ), which requires timely and accurate reporting. 
4. Date Last Active : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
These discrepancies suggest inaccuracies in the account activity information. 
5. Payment History Contradictions : The Payment History shows late payments for specific months ( XXXX, XXXX, and XX/XX/XXXX ), even though the account status is listed as Current with no past due amounts. 




Violation of Consumer Protection Laws : Violations of 15 U.S.C. 1681 ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of consumer information. Reporting late payments on a current account violates this standard. 
2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I have the right to dispute any inaccurate information on my credit report. The bureau must conduct a reasonable reinvestigation to verify its accuracy.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified as accurate, it must be promptly deleted or corrected.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnishers, such as creditors, are prohibited from knowingly reporting inaccurate information.

5. 15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute, the furnisher must investigate, review relevant information, and report its findings to the credit bureaus.
Product: Checking or savings account

On XX/XX/2020, I lost my wallet at a park and my Bank of America debit card was used that day to make purchases at 6 places totaling {$5000.00}. I called the bank that day to report my card stolen and filed a claim. They denied my claim saying that they used my pin to purchase. I did not make those purchases. It's FRAUD! I had them reopen the claim and told them they needed to look at the store footage, etc.. and see that it was NOT me making those transactions, nor anybody that I knew as the card was STOLEN. I don't know how they got my pin. Ask these professional hackers how they do it! 
They even made purchases at a XXXX XXXX XXXX and I don't even shop there nor have a membership! 
My other 2 credit cards were in that wallet as well and they were also used to make fraud purchases and those cards ( XXXX & XXXX ) approved my claims. 
I don't know why I am having such trouble with Bank of America as I have been banking with them for over 25 years! They have denied my claim 3 times! 
I did not make those purchases and need my money returned to me!
Product: Credit reporting or other personal consumer reports

I submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. Despite providing detailed accounts of the violations under FCRA 623 ( a ) ( b ) and 605 ( c ), which specify failures to mark disputed accounts and inaccurate reporting of last activity dates, respectively, none of the credit bureaus have responded within the mandated 30-day period. Additionally, the company in question has failed to validate a collection account, thus violating FDCPA 809 ( b ) according to FTC guidelines. Attached are copies of all correspondence sent. I request an immediate investigation and correction of these violations on my consumer report. ''
Product: Checking or savings account

Someone stole a XXXX XXXX XXXX check in the amount of {$9800.00} issued to me by XXXX XXXX XXXX XXXX ( XXXX, NY, partner bank XXXX Bank ) and was able to open a fraudulent account at Bank of America with only my name as it appeared on the check and then cashed the check on XX/XX/XXXX. No verification was done. Bank of America denied a claimed filed by the issuing bank ( XXXX Bank ) claiming that the check was " deposited into an account with my name '' no other biographical information was associated with me. Another department of Bank of America confirmed that the account was not mine and sent me a statement confirming that I did not have an active account since XXXX. I have contacted the Fraud Department of XXXX Bank to no avail. Now no one wants to accept responsibility for their negligence. How do you open an account with just someone's name? and how are you able to cash their check with no verification?
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities.

Account Name WESTLAKE FORTFOLIO MGMT/ Account Number XXXX
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my XXXX XXXX and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I XXXX. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC XXXX  and I also filed a complaint with the CFPB. Along with this letter, I have also included an XXXX of XXXX to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my XXXX  rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered XXXX XXXX as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After being notified about my credit report, I seen accounts inwhich I have absolutely an knowledge of. Not sure if my name gotten mixed up due to me being a jr., or did someone out right steal my identity. Whatever the case may be I'm disputing the following accounts as of my consumer rights as fraud. The accounts are, 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX  {$230.00} 6 ) XXXX XXXX XXXX Please remove these accounts or provide me with a physical signed certified contract for the above accounts or remove them immediately.
Product: Checking or savings account

On XX/XX/XXXX, I placed a call to Wells Fargo about my account being locked and my card not working. They detected fraudulent transactions and were going to start the investigation. I was given 2 claim numbers for the unauthorized XXXX transactions and was told they would be in touch with me. I had to stay on top of Wells Fargo about this because no one was giving me answers so I ended up trying to call them 2-4 times a week to see what was going on. They all kept bouncing me from department to department each time I would call. XXXX with Wells Fargo claims specialist center left a voicemail asking me to call them back on regards to one of my claim numbers. I had called and was on the phone with several different people over a course of 28 minutes for them to tell me the claims department I was needing is closed but the call refers to them wanting to do " something '' with my account. The lady named XXXX told me to check my online banking app to see a message they sent me. I checked it and it said they were closing my account on XX/XX/XXXX with no explanation. I called back the very next day and was bounced around like a hot potato until I got ahold of a gentleman. He then told me Wells Fargo did not want a relationship with me but when I asked why he would not give me an answer. He then said they had to terminate my access to my online banking and would not give a reason for that either. I went down to the Wells Fargo in XXXX, NM on XXXX XXXX XXXX to pull my money out of my account before anything else happened to it or before the bank could come up with some reason I couldn't withdraw MY money and closed the account myself. I called the LP ( loss prevention ) department on XX/XX/XXXX and asked them why and the answer I was given was it was a " business matter '' and she couldn't give me anymore information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX XXXX XXXX XXXX, it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.