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

Please note, this is not a duplicate complaint, I'm sending this complaint because Experian turned me down with my dispute an error on my report. I had to do my own investigation and provide new evidence to this matter. So, XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter responded on XX/XX/2021, stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as XXXXXXXX XXXX Accurate?? They never did a fair investigation according to the 15 USC 1681. The clerk of courthouse pulled up the record by my social security number and name and address and no result. Please see attached with this complaint.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( 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 to believe that the information is inaccurate.
Product: Bank account or service

Chase will not replace my money after un authorized withdrawals were made. I am very XXXX off. There system is incorrect and suggested I logged in and saw the money missing and did nothing about it????? Really?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting - XXXX XXXX Im XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX on my home address XXXX XXXX XXXX, XXXX, NC, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX . I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 

Thanks, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I opened an auto loan with Consumer Portfolio d/b/a XXXX in XX/XX/XXXX. In XX/XX/XXXX, the vehicle was wrongfully deemed 'totaled ' and then auctioned off shortly thereafter. As of XX/XX/XXXX, I was being emailed and contacted because my account was " seriously past due. '' I called in and spoke to an extremely rude and borderline offensive representative who insisted on my making a payment. I did not promise to at that point, however I told her I was willing to make payments as soon as I could if we could come to an agreement. By the end of the call, she told me I obviously couldn't afford it and her attitude compelled me to call back and request a supervisor, but none was available at that time. I sent numerous emails and called many times to speak with a supervisor, and was told that I would be called back but never was reached out to again. I informed them multiple times that we can make an agreement to pay however I wanted to make a complaint against the rep first. I have also been recorded on their lines after stating multiple times I did not consent to being recorded if they refused to provide a copy upon request. Now I am being told a lawsuit against me has been filed for this matter, even though I have been waiting for a supervisor to reach out to me for months. I have call logs and email correspondence between myself and their representatives proving all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE
Product: Checking or savings account

I paid my chase account and I got sent too XXXX XXXX and chase agreed too remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase Auto Loan and credit bureaus reporting this debt as reaffirmed and a balance due. This debt was not reaffirmed. This vehicle was voluntarily surrendered and the balance discharged in bankruptcy. I AM IN ESCROW ON A HOME AND THIS IS AFFECTING MY LOAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple complaints against TransUnion and XXXX regarding the following collection accounts, which I DO NOT DISPUTE. This is a bit ridiculous. I am not a credit repair company as they stated before, I am the consumer. I need these disputes REMOVED. This is preventing me from getting a mortgage. As stated previously, I do NOT dispute the below and have proof that I have a payment arrangements and/or paid these in full. 

I have even called the collection agencies directly and they report no dispute, and that a valid payment arrangement is in force. 

XXXX XXXX XXXX, represented by XXXX XXXX in Florida - original creditor XXXX XXXX XXXX. Not disputed, and have valid payment arrangements with XXXX XXXX XXXX. Accounts XXXX and XXXX. 

XXXX XXXX - original creditor XXXX. Not disputed, and have valid payment arrangement XXXX XXXX ( Multiple Accounts ) - all are paid in full
Product: Debt collection

Checked my credit report, around XXXX XXXX, 2016, and noticed Merchants Credit Guide reporting a negative collection account. I immediately disputed it with all XXXX major credit bureaus and also mailed Merchants Credit Guide two letters to either verify or delete this account from my credit report. I still have not received any response to my second letter which I sent by USPS registered mail with return receipt and will be attaching all documents that I sent them and the proof of delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

we paid the deposit with a money order when they delivered washer n dryer. we also paid the following 5 months of payments. they r stating lies. they have fraugitly reported this infoo to transunion, XXXX and XXXX.
Product: Vehicle loan or lease

On XX/XX/2018 XXXX XXXX unlawfully repossessed my vehicle without due process of law. XXXX XXXX failed to send any notice of intent to repossess vehicle through neither certified or registered mail. Additionally, XXXX XXXX failed to validate any debt obligation before repossession, and neither did they loan me any physical money. XXXX XXXX  fraudulently used my name to obtain funds through the Federal Reserve System. They failed to produce any original documents as requested and have already sold the loan package.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was Dispute Credit card XXXX XXXX XXXX XXXX XXXX  maybe more than 4 time with XXXX and I was contact to creditor more than 3 time and explained to the This credit card open fraud and some one used my Identity fraud, I am victims on that and unfortunately today this collection goes to transaction and Equifax and heart my credit please help me to explain them this account open fraudlly and I am victims on this credit and I am not knowledge about who used my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I evaluated my Experian Credit Report and noticed several inaccuraries related to reporting information. Specifically, XXXX XXXX is reporting several late payments that are not accurate. Below is a copy of transactions. 

XXXX XXXX XXXX XXXX Closed 51 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XXXX XXXX, XXXX Credit Limit - {$1300.00} Payment Info Status Paid, was a charge-off Status date XXXX XXXX Past due amount - Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX View less XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX - - - - - - - - - - - On Time CO Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed my son XXXX XXXX 's private student loan with Climb Credit, during XXXX we assume that Climb Credit loan was on pause and could not able to make payments. In the XX/XX/2023 I contacted Climb via email with the pay to delete offer and I received response back from Climb Credit on XX/XX/2023 that account has been charged off to XXXX now. XXXX enclosed. I contacted XXXX and paid off the balance and remove the negative enquiry from my credit report. Which XXXX did but despite my repeated requested to Climb Credit to remove negative reporting on my credit report it is still showing that me and my son owe balance of {$21000.00} which is hurting badly as I am in process to buy home and being denied for home loan. Every time I contact Climb Credit to remove negative reporting of credit bureau specially XXXX and I have not been able to receive any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has reported to XXXX with 3 different late payments and all of them are incorrect I've haven't made a late payment below I've attached the print out from Capital ones website of my payments and they are all on time and some months I paid 2x 's in one month.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I paid off a Collection from : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX. They informed that the collection would be deleted from all 3 bureaus on my credit report in 30 days after payment and they still have not deleted this collection. I've done everything I was asked to do and they didn't hold up there part. 

Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX  # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX. 
XXXX File # : XXXX Balance : {$2200.00}
Product: Credit card or prepaid card

On XX/XX/2020, The merchant XXXX returned the amount of {$170.00} back my serve card. However, serve has not issue a credit to the account and claims that the merchant send notices only and did not issue the credit. Serve actions goes right to the heart of Unfair Business Practices. I spoke with the merchant and they provided clear and convincing evidence reflecting the funds returned. American Express Serve statement shows the same. Serve plays with peoples money and is the reason they are delaying the credit. We are in the midst of a pandemic, those funds must be release immediately. It is clear that serve have engaged in Florida 's XXXXnfair Business Practices and I ask that you apply sanctions on this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX Balance XXXX {$860.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$74.00}.
Product: Debt collection

I have never went to see anyone of that name in 2013 or ever. I have insurance and if I went to this person or place I 'd know. I do not owe these people anything.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX XXXX ), Consumer Date of Birth : ( XXXX  XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 consists of a personal credit card accout XXXX. XXXX {$380.00} XXXX. XXXX {$1000.00} XXXX XXXX {$3700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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, 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 XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I got a letter for a debt collector saying i owed XXXX on XX/XX/2017 they threaten me told me that i would go jail ..wait an watch your day are coming ..it said it was laywer from XXXX cty court that i didnt have insurance ..so i tried to get my driver license renew and i couldnt cause they said i owed XXXX to XXXX cty court ..I never received a bill ..i only got calls but nevr any explanations ..so now i have bill of XXXX and i cant renew my license
Product: Credit reporting or other personal consumer reports

Hello, I would like you to help me remove this from my report. My credit is getting really bad because of this. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, New York XXXX XXXX - XXXX $ ( XXXX ) XXXX Account Name : XXXX  XXXX Account number : XXXX Balance {$75.00} Account Name : XXXXXXXX XXXX XXXX  Account numberXXXX Balance {$0.00} Account Name : XXXX  Account numberXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> I had repairs made to a vehicle at XXXX XXXX XXXXXXXX Florida. 
When I pick the vehicle up I was charged nearly {$1500.00} for {$650.00} worth of work on the vehicle and was advised that I would not be able to get the vehicle back until I paid it and there was nothing I could do about the overcharge. I made a formal complaint with XXXX XXXX and was contacted by regional manager with XXXX from the XXXXXXXX XXXX XXXX store. 

XXXX sent me an adjusted invoice on XX/XX/year> showing the correct amount that should have been charged with {$650.00} in some change. He offered to give me an {$830.00} check if I dropped my dispute on my XXXX XXXX XXXXXXXX charge card. 

When I was advised by XXXX that I should not drop my dispute XXXX XXXX then gave a perjured statement of events and provided the fraudulent invoice to the dispute claims office. 

The regional manager XXXX sent me emails in writing telling me hey will give you a check of the overcharged amount if you drop the dispute And literally told me in that email let 's see how it works out for you if you don't drop the dispute, since they sent in Purge of statements and fraudulent invoices causing the dispute to be rejected and I'm still out {$830.00} I was forced to pay because my vehicle is being held hostage by overcharges for XXXX and XXXX hours worth of work I was charged over XXXX hours for labor which XXXX confirmed was an overcharge and sent me a corrected invoice along with the email.
Product: Debt collection

I constantly receive mysterious calls where no one speaks and all I hear is a beeping sound. Strangely, no voicemail is left if I don't answer. I never gave them permission to contact my cellphone, which goes against the Telephone Consumer Protection Act ( TCPA ). This act specifically prohibits automated collection calls to cell phones, especially when I have already requested them to stop calling on numerous occasions and even spoken to their managers. Despite my multiple cease and desist requests, they continue to persistently call me and harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULEMT ACCOUNTS IN MY NAME I HAVE CONTACTED THE LOCAL AND FEDERAL POLICE TO MAKE CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a public record investigation request to LexisNexis XX/XX/2018. I received a response more than 6 months after stating that the public record item was verified, only after sending a complaint XX/XX/2018. In my correspondence, I request the Method of Verification which LexisNexis did not give, in clear violation of FCRA. Additionally, they exceeded 30-day response requirements per the FCRA. They know this because I have a friend who had the same issue recently and LexisNexis in accordance with the FCRA removed the item in question
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION, I DID NOT GIVE YOU XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although this account was closed in XXXX, the information being account delinquent is still showing on our credit reports. Per HJR 192 all Public and Private debts no longer exist and Privacy Act of 1974. We want XXXX XXXX  Home Mortgage to completely remove this from our credit reports ASAP. This account is closed and paid and need the negative information removed.
Product: Mortgage

I applied for assistance from XXXX XXXX XXXX  and notified my mortgage company. While waiting for approval I asked the mortgage company for more time while waiting. The mortgage company sent a letter saying they would apply for a forbearance. After receiving the funds from Mortgage Relief the mortgage is now telling me that the forbearance is a program that puts my outstanding payments on the end of my loan and now I am considered current and sent the funds back to Mortgage Relief. 
I was never told that a forbearance would bring me current because that would automatically disqualify me from the Mortgage Relief program. I made several phone calls to the mortgage company to keep them informed of my progress.
Product: Debt collection

Midland Credit has attempted on numerous occasions to collect a debt they are saying XXXX  from XXXX. I requested debt validation and was mailed an account history, I have been contaced by Mildand Credit itself and now by a company called XXXX on behlaf of Midland. My credit report is showing " past due '' as if the account is open on my credit report. It is being reported monthly.
Product: Payday loan, title loan, personal loan, or advance loan

I am behind on payments so this collection company has decided it would be best to call my family members who do not live in my home and i never gave permission to contact along with my previous employment that I know of so far. I am sure there is more I just have not found out about them yet. I never have and never will give any company permission to call anyone looking for me. My child even said they told them they would be responsible for my debt unless they told them where i was.
Product: Debt collection

I keep getting phone calls from several phone numbers leading back to Diversified Consultants , Inc . They have left one phone message threatening me that they were going to call the police on me and have me arrested if I don't show up in court. The other times they just call and don't leave a message. I block the calls but then they call back only with different last four digits. The only credit cards I have are the ones I currently use and make monthly payments on them and have had no problems with the companies.