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

After discovering negative and unauthorized information on my credit report -Accounts listed below-, I suspected identity theft and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the XXXX breach. Despite my efforts, Experian denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian has not fully investigated the potential identity theft tied to the XXXX breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 

Accounts and address in question BELOW : XXXX ) XXXX XXXX XXXX - Amount {$3800.00} XXXX ) XXXX XXXX XXXX - Amount - XXXX XXXX. XXXX XXXX - XXXX - XXXX XXXX. XXXX XXXX XXXX - {$670.00} INCORRECT ADDRESS : XXXX XXXX XXXX XXXX, XXXX Ca, XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, my credit still has not been released to the bank that requires my credit details, in order to fund a loan on a property I have in escrow. I contacted Equifax for the XXXX time and was told they have a internal hold on my credit and can not release my credit. I also contacted Equifax Mortgage services because my banker hired Equifax mortgage services as well to pull my credit. I demanded Equifax Mortgage services release my credit, they did nothing as well. Equifax confirmed they received my certified mail with my passport and drivers license to prove date of birth and positive ID. They confirmed they know I am who I claim to be. They still will not release MY CREDIT REPORT AS DEMANDED! Instead, they said I have to send my social security card or W-2 to confirm my social security number. They have positively identified me and still will not comply with my demand to release MY CREDIT to my banker. I am sending W-2 documents certified mail. Equifax does not have legal authority to not send my credit as I have demanded and provided positive ID multiple times. I want {$5000.00} and the immediate release of my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX, Acct. # XXXX XXXX, Acct. # XXXX, has violated my rights. 15 USC 1681 Section 602A states I have the right to privacy. 15 USC 1681 Section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Debt collection

The debt is XXXX old. They had a server come to my address today, XX/XX/XXXX. The company is synchrony bank
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the person.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

I spoke with XXXX XXXX this morning regarding a phone call I had received from him yeaterday. I asked him what I was supposed to owe to XXXX as I closed out my account with them and had not received an invoice. He said that I owed them {$600.00} and now an extra {$200.00} since I had not paid the {$600.00}. I explained I had forgotten to close this account and then had automatically taken money from my account though we had not used any services. The most I could possibly owe them was $ 50 monthly fee for one month. I requested to see the invoice and he told me I could not. 

The name of the company is The offices of XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  - XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I purchased an XXXX XXXX gas range online from XXXX  XXXX, for {$3400.00}, on XX/XX/XXXX. I paid my credit card charge as soon as it hit the card balance, as I currently have 25 % interest and did not want to pay over {$800.00} in monthly interest while waiting for delivery and install. The range was delivered on, or about, XX/XX/XXXX. We were in the process of a remodel and didn't get the range unboxed and into the kitchen until XXXX. After a week of troubleshooting, we realized the range was defective. Neither the oven nor the main XXXX  work. On XXXX XXXX, XXXX, I was contacted by a XXXX warranty company, who works with XXXX XXXX , to purchase and extended warranty. Since we were already running into issues with the range, I purchased an extended XXXX warranty for {$240.00} from XXXX XXXX XXXX XXXX I was in the process of trying to contact the merchant via phone and the " contact us '' page on their website, with no return call. A couple of days later I decided to go online to XXXX since the range was still covered under a one-year warranty through them. This is when I realized both websites for XXXX XXXX AND XXXX were shut down the same week, possibly the same day. I contacted the extended warranty company, in hopes I could get help, but they told me since the range is still covered under the manufacturer 's warranty, they won't help either. I started the dispute with the credit card company ( FNBO ) XX/XX/XXXX, to dispute a faulty product. According to them, 1. if the merchant didn't respond it would default in my favor and 2. I still fell within the timeframe for dispute, less than 120 days, being that my item wasn't received until almost a month after purchase - but they denied my request, due to my bill being paid already. The dispute was still rejected. I have tried to appeal my case, but they will not respond with a sufficient reason why they're allowing a charge for a faulty product, except to say I paid my bill already.
Product: Debt collection

I made an agreement to pay a debt off with a company and they agreed not to report the collection to the credit bureau. This company still reported the payment and did not tell me I needed to make another arrangement.
Product: Checking or savings account

They approved transactions on my account, causing me to have over - {$600.00} owed to them. Despite freezing my card, calling them to let them know NOT to approve any further transactions and calling the companies I used to pause transactions, the bank continued to allow every transaction to go through. I racked up so much overdraft fees, I ended up having to pay the bank more money because they would not stop these transactions & they added overdraft fees on top of the same overdraft fees. They refused to take them away & once I was able to pay off the money and get the balance to {$0.00}, I closed the account. I shouldve only had to pay about {$200.00}, instead I payed about {$800.00} and that was only on overdraft fees that had racked up.
Product: Credit card or prepaid card

During the pandemic I reached out to Chase regarding my husband and I both losing our jobs. Obviously for months, like everyone else affected by Covid, we were not financially able to pay the minimum payments due. We reached out to Chase and was denied multiple times for deferments and payment arrangements. 

For six months, until we both started working again, Chase continue to report the delinquency to my credit report, affecting me greatly. Since we both started working again, I have since ( and prior to the pandemic ) been in excellent standing with Chase. Unfortunately the six months of negative reporting continues to affect my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$21000.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have several unauthorized accounts on my credit report. Please remove them immediately.
Product: Mortgage

I refinanced and almost 6 months going on with this proble

m. I filed 3 or 4 times a automatic monthly payment form to deduct my monthly mortgage. And still it's not deducting monthly without me calling yhe bank. They say everymonth that " sorry for the problem but you are all set from here on ''. Every month I need to call them and state that my monthly mortgage is not taken. Also I get every month a letter in the mail that my mortgage payment is past due! Most importantly is my mortgage amount is not up to date! Mortgage statement is missing 2 payments! Please help! Please advice if I need to talk to a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what it is and why its on my report. I was a minor so i have no idea why theyre saying I owe anything. I would like proof of who they are not some random bill that can be from anywhere due to fraud. I never received anything from the company or who they are.
Product: Vehicle loan or lease

I took out a used auto loan through XXXX XXXX XXXX with Westlake Financial Services in XX/XX/2019. I called the bank mid XX/XX/2019 to let them know that the vehicle was returned to the dealership because it was disabled and couldnt be driven. The bank was informed that I received my down payment deposit back from the dealership in the end of XX/XX/2019 and the dealership already started the buy back process with the bank. I called the bank multiple times to see why the account was still opened in my name, they wouldnt give me any information stating that its between them and the dealership. When I contacted the dealership I was informed of the dealership paying the loan back through Westlake flooring program that takes payments monthly until the loan is paid in full but what I want to know is why am I being penalized with an open loan in my name for a vehicle I no longer have that the dealership took over the payments to buy back. As per contract I do not have the vehicle, as it was never repossessed and when it was returned I didnt owe any money on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure when or how my identity was compromised but after reviewing my credit report I see very well it has due to these unauthorized accounts inwhich I'm asking to be removed from my credit report. 

[ 1 ] XXXX XXXX {$1000.00} [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX {$16000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX. XXXX Account number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting

Equifax has the wrong address on my file and it is messing up an auto loan. The address they have is from at least 1.5 years ago.
Product: Money transfer, virtual currency, or money service

I initiated a XXXX transfer of {$220.00} to a merchant thru regions bank and never received any products I ordered. I was scammed. I called my bank and they told me they would open a claim but that I would most likely not get my funds back. The money was XXXX  on XX/XX/2019. The number was changed and the person no longer responded to any of my texts, calls or emails or messaging on social media. Then she responded saying get over it and cursing me out.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you el
iminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records.Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX  XXXX State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal TradeCommission. Cc State Regulatory Agency
Product: Credit reporting

I find no titles here that address my problem with Equifax and XXXX credit reporting offices. I have no idea how they determined that by me using my credit card, that it should effect my credit score by a negative XXXX when usage should have absolutely NO bearing on my score. 
Credit scoring was to be on how well we pay our debts, NOT when and how much we spend and by using what method we used for a payment method. Our spending habits are NONE of those credit reporting offices business! 
My credit score was up in the XXXX area, plus or minus XXXX or XXXX points but since I used our credit card to make a couple of purchases, I am being punished for such activity! 
I find this Highly irritating as I have a percentage factor of 100 percent relating to On Time Payments and bill payoffs. 
What gives these credit reporting offices the legal right to punish consumers for using their Good Credit?? 
I wish to submit a formal complaint against these XXXX offices for Discrimination against such consumers as myself as they, in my opinion are violating my consumer Rights and creating an embarrassing situation for me when someone checks my credit score. 
These credit reporting offices are changing their policies on how and what they use to discredit honest, bill paying citizens and should be investigated based on their biased and discriminatory activities.
Product: Credit card

My neighbor is constantly getting phone calls from XXXX stone collection agency and telling my neighbor of my unpaid debt. In addition to harassing this neighbor with embarrassing phone calls, they are disclosing my personal information such as a collection account. I refer to the following : THE XXXX FAIR DEBT COLLECTION PRACTICES ACT AND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.
Product: Credit card

My Bank of America credit card minimum payment was set to auto draft each month from my personal bank checking account. The auto-payment feature was turned off without my knowledge or notification, therefore the minimum payment was not made and I subsequently charged a {$39.00} late fee. I found out the credit card was locked through a vendor when a payment was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX, XXXX, NOTE ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$150.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Debt collection

This account was already paid before another collection agency received this debt from XXXX. Basically this account was sent to collections ( XXXX XXXX XXXX ) in error. This account was paid. We did get this removed through the dispute process, then XXXX XXXX XXXX obviously and illegally sold it to XXXX. XXXX, in which is not on my credit report ; which it should not be. 

The attachment i am going to upload is a screenshot of the original collection that was removed, due to it being paid before it was sent to collections. I am sure you will see the similarities. 

Please help me remove this because i am sick and tired of this paid account that should have never went to collections in the first place. 

Thank you
Product: Money transfer, virtual currency, or money service

I here by CANT stress enough how much pain n suffering they put me through due to non payment and returning my $! That was owed to me
Product: Student loan

Contacted XXXX XXXX XXXX via mail, the first time, on XX/XX/XXXX, to make arrangements to settle the account in exchange for the original instrument of indebtedness in its original form. They received the letter according to return receipt, on XX/XX/XXXX, but no response. Sent a second request for removal of inaccurate information on XX/XX/XXXX. They received the letter according to return receipt, on XX/XX/XXXX, but no response. Sent a third request on XX/XX/XXXX.