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

Equifax does not show mortgage : Opened in XX/XX/XXXX, mortgage holder : XXXX/XXXX  XXXX. 

XXXX and XXXX are both showing this mortgage. 

Disputed with Equifax, first, a few weeks ago ( in between XX/XX/XXXX and XX/XX/XXXX ), when I signed up for a service called " XXXX XXXX '' and noticed that Equifax was not showing the mortgage, but I never received a response from Equifax. The credit reporting service ( either XXXX XXXX, XXXX, or XXXX ) offered a recommendation that I was lacking and needed " relevant '' or " current '' real estate loans to show on my credit reports. 

XX/XX/XXXX, I attempted to check Equifax status, but I could only find where it said my dispute had " expired. '' XX/XX/XXXX ( today ), I attempted to make contact with Equifax through its website, but I only receive a message that my account is locked and that I should contact them directly, but it is unclear as to how to do this. 

This may have a negative impact on my credit which concerns me a great deal, or at least it does not have a positive effect, as I have never missed or been late with a payment. 

Thank you.
Product: Debt collection

I received a statement from " XXXX XXXX XXXX  XXXX '' XXXX XXXX XXXX XXXXXXXX FL XXXX, The complex is owned by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX. Subsequently I have also received a dunning collection notice from Rent Recovery Solutions LLC for the same amount of {$460.00}. I have disputed this amount as invalid and inaccurate. The amount of money they are attempting to charge me has no basis in fact, nor in the actual lease agreement. I am making a formal accusation of elder financial abuse that they can not support. The statement date from XXXX XXXXXXXX XXXX XXXX is dated XXXX.
Product: Mortgage

My mortgage company ( US Bank ) is not reporting my payments after my chapter XXXX bankruptcy. The loan was not reaffirmed in the ruling. They also did not close a line of credit attached to my checking account, that is being reported negatively, which was part of the bankruptcy discharge.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill.

The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies.

As a victim of identity theft I have reported several alerts to my credit bureau accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information on my account. They continue to report medical accounts and place recently removed accounts back into my credit profile with out my knowledge which is violating my consumer rights. I have provided a dispute with these accounts as I have never opened an account with these creditors. 

In addition, the bureaus have never provided me with any executed contracts/agreements to show proof that these are accounts that I opened or request. How do I know it was someone else opening the accounts?
Product: Credit reporting or other personal consumer reports

i recently reviewed my Experian XXXX XXXX and XXXX report and see their unauthorized accounts i did not benefit from are initiate they are merchants ' adjustment XX/XX/XXXX XXXX XXXX and as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX CXXXX XXXXXXXX BANK Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX I Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5700.00} Status Open. {$5500.00} past due XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} Status Closed. 

FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These above companies have violated my privacy rights. as well as reported inaccuracies ' on my report. according to these laws. 
15 U S C 1681 section 604 A states a consumer reporting agency can not furnish a account without my written instructions.

15 U. S. C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A. a person shall not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This inaccurate information is preventing me from obtaining a home for me and my family.
Product: Debt collection

XXXX XXXX XXXX ( 10 XXXX  XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1200.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

Trans Union and XXXX are refusing to address this problem. They are completely refusing to report my XXXX Credit Card which is causing significant damages to me financially. This unethical lack of attention and accountability is beginning to approach 1 year now of inaccurate reporting and financial damage. 

XXXX XXXX  has REPEATEDLY requested these two bureaus accurately report my account, and we have been met with silence. This is my last attempt at resolving this issue on my own.
Product: Vehicle loan or lease

I have an auto Loan with XXXX XXXX XXXX XXXX. I initially purchased my car as a lease. I then brought the vehicle in XXXX upon the end of my 36-month lease and received an auto loan from NMAC.

I was going through some hardships and fell behind on payments. On XX/XX/XXXX my car was repossessed by XXXX. I was able to make the necessary payment of {$1700.00} and retrieved my car the same day. Included in the payment amount was a {$420.00} fee for car storage - even though my car was not even stored at the storage facility for more than 5 hours. NMAC also charged an additional fee of {$450.00} - with no explanation, added to my monthly statement for XX/XX/XXXX. Recently upon logging into my account - I have noticed that the XX/XX/XXXX Statement was not generated and is not accessible to view I later received notice that one of my credit card accounts was being closed because upon the performance of a credit refresh the lending institution noticed a REPOSSESSION on my credit report. This is how I was made aware that a repossession was reported to the credit bureaus from NMAC. Upon receiving this update, I contacted NMAC to get an update as to why that would even be on my credit report - when my car was not repossessed. In fact, my car is in my possession and I continue to make my monthly payments. NMAC transferred me to many representatives that seem to not be able to assist or provide a solid response. The last representative I spoke to in regards to this subject informed me that NMAC was not going to make any updates to remove the repossession from my account and that was not their responsibility. They explained that my car was in fact repossessed. I asked that a manager contact me and I have not, until this day, received a response or a call from anyone at NMAC to address this matter.

I am looking for proper guidance and assistance to have this false and derogatory information removed from my credit report. 
Please Note : I am in the midst of contacting the reporting agencies so that they are aware and help me reach amicable resolution with me organization. 

Thanks in advance for your help!
Product: Debt collection

This is a collection agency working for XXXX XXXX XXXX, I think it concerns a credit card because the account ends in XXXX, I sent XXXX XXXX XXXX  a certified letter requesting them not to contact under fair credit act 15 USC 1692 & 805c of Fair Debt Collection Practices AR ( FDCPA ) I ask them to stop calling, texting, and writing me. Under the FDCPA. After two years, they have started back calling my phone from several different phone numbers. 
The numbers : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has 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 : It states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2024 BXXXX XXXX XXXX  XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. 2022, I mailed the three credit bureaus a letter of dispute with supporting documentation by certified mail. As of date both XXXX and XXXX XXXX is still processing my dispute. 

I'm disputing an account reported as a delinquent account. My Experian credit report failed to indicate when account was opened, closed and failure to indicate when account was 30, 60 or 90 days in arrears, only displaying dashes which indicates " Data Unavailable '' preceding " XXXX XXXX " notated the following month. 

On XX/XX/XXXX Experian sent me an email notification " Dispute Open '' On XX/XX/XXXX I received another email notific3ation " Dispute Results Ready ''. I called Experian Dispute and spoke with a dispute representative on XX/XX/XXXX. She started an online dispute. 
Again I received an email notification " Dispute Open ''. XX/XX/XXXX another email notification " Dispute Result Ready ''. How could both disputes by mail and phone have the same 24 hour timeframe? 

Experian reponded the creditor 's information is valid. What information? Only information is balance amount and " Collection ''. Data still remained unavailable with dashes and no information of account open and close dates. 

I believe no Investigation was conducted by Experian. 
I'm excerising my consumer right by FCRA " I have the right to dispute incomplete inaccurate and unverifiable information ''. 
It's my understanding if an dispute is intiated by mail, the process continues in such manner and results returned to me by mail. 

I am submitting complaint to see statements for the validity of what's reported or have it removed from my report.
Product: Credit reporting or other personal consumer reports

I received mail from debt collectors on accounts and inquiries that were not authorized to be opened by me. I ordered my credit report and discovered many items being reported that were not opened by me. In recent years my name, social security number, date of birth, and address have been involved with several data breaches. I received correspondence about my information being leaked from companies such as XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Experian, and XXXX XXXX XXXX I have reached out to EQUIFAX, EXPERIAN, TRANSUNION the CFPB and all companies asked for an FTC Identity Theft report to start and complete the deletion process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file and official complaint towards Equifax in lieu of the recent personal data leak.Equifax was responsible for personal identiy information due to blatant negligence to protect that information via proper security measures like encryption and etc. For a company with so much power and personal data on all of us, they sure did take it lightly.
Product: Checking or savings account

{$1500.00} was pulled from my account on XXXX early in the morning and transferred through several platforms. XXXX XXXX  has allowed the transaction when it was done without my authorization on a XXXX that is not connected to my legal name. BankMobile has denied my request which I know is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 public record 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 U.S. Bankruptcy Court XXXX XXXX bankruptcydismissed Reference XXXX XXXX XXXXXXXX U.S. Bankruptcy Court XXXX XXXXXXXX bankruptcydischarged Reference XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I was of the belief that I had cancelled my credit card and when I received the next monthly statement ( XX/XX/XXXX ) with a XXXX balance, I was certain the account was closed. The next month ( XX/XX/XXXX ) I get a statement with a large balance on it. When I talked to B of A I was told B of A had refunded money B of A thought was paid to them accidentally. This accidental payment happened in XX/XX/XXXX ; 5 months prior to the refund ( Why did it take 5 months to notice this accidental payment and why was the money refunded after I closed the account? ). B of A said I had requested this money be refunded on XX/XX/XXXX ; which is untrue. I never asked for the payment that occurred in XX/XX/XXXX be refunded. Now B of A is charging me interest and fees for money B of A added to my account after I closed the account. My answer for the above question is that B of A refunded the money precisely so they could charge me fees and interest ; which in my opinion is stealing or theft.
Product: Credit reporting or other personal consumer reports

I was an victim of identity theft. I did file Identity Theft Report with FTC, Report # XXXX and also a Police Report with XXXX XXXX XXXX, Report # XXXX. This information along with a copy of my Drivers License and SSN was sent to Experian through XXXX Certified Mail, Tracking # XXXX and XXXX. 

The same information submitted by certified mail was also uploaded online through Experian Dispute portal. I have spoken to several Experian Membership Team members as well. I spoke to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX this morning ( XX/XX/ ), when I ask for Supervisor they decline to transfer the calls and hang up. 

Even after several attempts to get the inaccurate information which is a result of identity theft to be removed, Experian Membership Team nor the Fraud Department has done any corrections to my credit report. Unfortunately, as a result of this inaccurate information reporting by Experian, other credit agencies such as XXXX and XXXX is also reporting this fraudulent inaccurate information. XXXX and XXXX has confirmed that they are reporting as for the information provided by Experian. 

I was in the middle of refinancing my house, due to Experian reporting inaccurate information which is a result of identity theft I was denied the mortgage. 

I also attaching the documentation to this report. 

1. FTC Identity Theft Report 2. FTC Identity Theft Letter 3. Police Report 4. Copy of Drivers License 5. Other requested personal information
Product: Vehicle loan or lease

In the month of XX/XX/XXXX, my wife and I approached XXXX to renew the XXXX Kia XXXX  car for XXXX of the year, what we owed on it was very little. But since they offered us so much change, we decided to take a risk and change. Unfortunately, my wife became unemployed, and we could not pay for 70 days and that was when they announced the repossession of the vehicle, so I asked them to explain to me since we had been late for a short time and they told me that it was due to the bankruptcy declaration that I had from the year XXXX, which was still visible. I explained to them that even with my bankruptcy, we never failed the Bank, which was the same one that gave us the credit for the new one, precisely because of the excellence in the payments, but they insisted that they only gave me 1 month to bring the account up to date and that The first payment was due the next day. That's how we got XXXX dollars and I had to pay the other XXXX in XXXX month, paying week by week. and they gave me the final date of XX/XX/XXXX. On the XXXX we had the opportunity to deposit more money and we only needed less than XXXX to bring the account up to date. But on XX/XX/XXXX, they had already taken the car. Although I begged them to see my payments and actions in favor of how I had maintained my account for years with the bank, stating that my wife was unemployed and that we have our children diagnosed which requires them to be taken to multiple XXXX during the week and my work schedule completely intersected with therapy and school schedules... they as an entity gave us XXXX last opportunity to recover the car, paying XXXX dollars that same day. That was a total injustice... we only owed XXXX dollars to make it to the day and we would do it right on Thursday, which was when I received my payment and they asked me again for almost a down payment. It's been more than a month and we found ourselves needing to leave every day of my XXXX days of work, including Saturdays and Sundays at XXXX with our children so that my wife can take them to school and therapy and pick me up. Before being able to continue with the job search, what this injustice has generated for us is frustration.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX OR Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

Today, Monday, XX/XX/XXXX I received a writ of XXXX in the mail for a balance that I am unaware of. I contacted the collection agency ( XXXX XXXX ) to get more information and I was told that I can not stop the garnishment since it had been filed with the courts and my only recourse was to either wait for a copy of the requested account information be to sent to me and let the garnishment take place or pay the balance in full. I was told that the information would be mailed to me and it can take XXXX weeks to receive it. When I inquired more about the debt I was told that it was from a XXXX account with Bank of America in the amount of {$6300.00} and then with FIA Card Services and a judgement was entered against me in XXXX and that XXXX XXXX had the account since XXXX. I informed them that I was never served any paperwork and that this is the first time I'm hearing of a debt. I asked if the garnishment could be put on pause until I received the documentation as I felt it was unfair to be penalized for a debt that may not be mine. I offered to make a payment arrangement as well as find out if a settlement could be made until the paperwork was received in order to stop the garnishment. I was told that if it was found out that the debt was not mine that I would be refunded the money taken from my account.
Product: Debt collection

I first received notice of the debt on XX/XX/2022 via phone call at XXXX XXXX. The company claims this is a debt of {$76.00} to an internet provider for an unpaid bill. Note that I had never even received notice from said internet provider for this bill. I requested verification of said debt, provided the company with my current address in order to receive letter verification of the debt, and the call ended. I have still yet to receive verification of this debt. On XX/XX/2022, the company reported my debt on my credit report and dated it XX/XX/2022. 

This company has not been able to provide debt verification, is still attempting to collect, and has reported incorrect information.
Product: Debt collection

I have called PIF, inc several times to try to correct this and see what it is about however have been unsuccessful in doing so. I was recently served with papers from XXXX XXXX XXXX XXXX who notified me they had purchased the debt from the original person I had an account with which is XXXX XXXX XXXX XXXX. However I do not owe XXXX as they picked up the merchandise in question. And every other account I had with them is paid in full which is clearly stated on my credit report. So until this is all resolved I want this off my credit report because this is not accurate information.
Product: Debt collection

They have contacted my job multiple times telling my boss he was a debt collector. He called again and asked for the address of our building and asked me ( I was the one who answered ) personal questions about myself not knowing it was me. I told him per my boss, I could not provide any information and he got mad and said he would get the information from her and hung up. Also might add I am not the company 's employee that he is calling and harassing
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2023 EXPERIAN XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023