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

This company was paid in full. I found out that they were not licesnsed to loan in WA State. I cancelled the loan after the state told me that the interest was illegal. Found out that they are reporting a charge off erroneously on my credit report. {$1900.00}. Original loan was {$800.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, This CFPB complaint has been filed to request pursuant ta FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 The following accounts that appear on my credit report : 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 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. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name and Account Number : XXXXXXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX has violated my rights Account Inquiry XXXX XXXXXX/XX/XXXX has violated my rights Account Inquiry XXXX  XX/XX/XXXX has violated my rights Account Inquiry XXXX  XX/XX/XXXX has violated my rights Account Inquiry XXXX  XX/XX/XXXX has violated my rights The above listed accounts 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 a account without my written instructions 15 U.S.C 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 than records of convictions of crimes which antedates the report by more than seven years. 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 the information is inaccurate.
Product: Credit card

XX/XX/XXXX at XXXX I contacted Best Buy Credit Services. There phone number is XXXX. My account number is XXXX. 

I spoke with a representative and I asked was it possible to negotiate a lower interest rate. I was told that is not possible and whatever interest rate I am being charged is final.
Product: Debt collection

NATIONAL CREDIT SYSTEMS , INC junk debt buyers have purchased a debt that is untenable and discharged under federal law. NATIONAL CREDIT SYSTEMS , INC is not a creditor and is in direct violation of the Bankruptcy Act, as codified under USC Title 11 et seq. NATIONAL CREDIT SYSTEMS , INC. is also in direct violation of 15 USC 1681b ( impermissible credit pull ) whereas the damaged party shall find restitution under 15 USC 1681n. The above mentioned junk debt buyers had a duty of care of making sure not the violate any consumer rights with respect to the consumer, having failed to do so. Govern Yourselves Accordingly.
Product: Debt collection

XXXX XXXX filed a collection against me through National Credit Systems. NCS claims they validated the debt but all the have a is what XXXX XXXX claims to be a bill in my name. 

The issue lies in that XXXX is claiming I had late payments on rent and other fees that dont make sense and should not be under my name. I had a roommate at the time and each rent was paid individually, I have receipts of each payment I made each month so there should be XXXX claims about late payments. In addition, I was supposed to receive my security deposit which XXXX XXXX never returned. 

Not to mention the XXXX tension of charging me a security and not my roommate when we both started our leases at the same time, we had the same income, she had either worse or just about the same level of credit score as me at the time. No co-signer and somehow I was charged a security deposit but she wasnt. 

I want XXXX  XXXX or National Credit Systems to prove where this debt is mine and where these claims are coming from or immediately delete this from my credit score. I have proof of each payment made each month as my lease was of $ XXXX each month and each month I paid in time or early. 

Not to mention I also have documentation of receipts from this company of both my roommate and I submitting maintenance requests for a dishwasher that was overflowing in water and wasnt working for the first 4-6 months of us moving in and they did nothing to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX is reporting a late payment on my credit reports for XX/XX/2022. I spoke with a supervisor on XX/XX/2022 ( Ticket # : XXXX ) and was told the late payment would be removed from my reports, however, this never happened. Additionally, according to the CARES act " If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. '' XXXX XXXX  made an arrangement with me - and per the above, this late payment must be removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX XXXX XXXX // Account number XXXX I requested in XX/XX/XXXX for Experian to verify the account for accuracy the account was auto verified with less than 5 days and noted " This item remained unchanged from our processing of your dispute in XXXX XXXX " So I sent another request again to have the account verified for its accuracy and Experian completely disregarded my request The account is a charge off that is reported as a charged but also reporting a past due balance " Account charged off. {$510.00} written off. {$510.00} past due as of XX/XX/XXXX. '' and also reporting charged off each month but I noticed in XX/XX/XXXX its blank this could of restarted my statue of limitations
Product: Debt collection

Calls back to back without leaving a message identifying who they are. Have had 5 or more calls to my phone in one day. Called me multiple times even after I set up a payment to resolve the debt and insisted I use a different form of payment for faster processing. The rep XXXX and her supervisor XXXX demanded payment from me during initial Contact before I received a first notice and over shadowed my right to validate or dispute the debt within 30 days. Threatened to report to my credit if I did n't pay within the first 30 days of debt being in collections. Both people I spoke to were rude and cut me off every time i tried to speak, they tried to make me feel stupid about my rights and hung up on me multiple times. There were several calls where XXXX and XXXX did not advise me the call was recorded or verify if I was the correct person on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure whats happening but Transunion removed the collections account from my profile, then it was re-added. Nothing has changed. I have not re-acquired this debt. It just popped right back up after TU removed it. Now TU refuses to remove it despite me filing a dispute and explaining that it was already removed. Not sure how its legal for already-settled matters to randomly pop back up. These reporting bureaus just take the agencys side regardless of whats actually going on.
Product: Credit reporting or other personal consumer reports

I havent gave XXXX XXXX or Experian the consent to obtain or furnish my information so under 15 U.S. Code 1681 B : Obligations with respect to disclosures of personal information. Now under 18 U.S Code 1028 A : Aggravated identity theft. This mean XXXX XXXX and Experian are all in violation. Under 15 U.S. Code 6802 : Obligations with respect to disclosures of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i was apartment searching and i was denied for a property because they told me i had an eviction after trying to explain it was n't me i still got denied they then told me on my XXXX report it was reporting two different but similar names : also address that do not belong to me after getting my credit report i then seen in fact what was told to was true. i then contacted transunion sent proper identification drivers license, social security card to prove in fact that was not me. i was assured that it was removed. Im apartment searching again just out of curiosity i log in an what do i see again that same name and address that i thought were removed around XX/XX/XXXX. This false inaccurate information hurts me from living where i choose to live, and damages my name. i need it off my report for good this time as they promised in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have sent in XXXX lawful debt request affidavits to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have ignored the XXXX affidavits that were sent for them to lawfully verify a debt. 
I requested that XXXX XXXX XXXX send 1.Validation of debt ( the actual accounting ) 2.Verification of the claim against me ( signed invoice ) 3.Copy of the contract binding both parties ( me and you ) XXXX & XXXX has had more then XXXX even 60 days to send what I requested so with that being said and them not being able to verify anything the mark ( s ) on my credit need to be deleted asap there is no more time to be given according to law 15 usc 1681i ( 5 ) ( a ) ( i ) ( ii )
Product: Debt collection

Ive been a victim to fraud. Ive been trying to open an account but they keep telling me I have to pay back the amount & Im not really sure what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I called and submitted a fraud alert with Experian back in XX/XX/2020. My rights under the FCRA was violated under 15 USC 1681C2. There was 19 inquiries involved within this fraud that Experian allowed to report on my credit report. I did not consent to any of these transactions to report nor did I benefit from them reporting. Experian removed all 19 of these accounts after their investigation which from my understanding is admission to me being violated under FCRA and according to civil liability in FCRA in pursuant to 15 U.S. Code 1681n they must be held accountable. I am seeking justice to be served.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, and I'm lodging this complaint because it's the third time I've reported my identity theft, yet no action has been taken. The credit bureau hasn't responded to my disputes, and neither have the companies involved. I feel like my consumer rights are being violated. As the victim, I can't get the assistance or response I need from the companies overseeing credit reporting. If no action is taken, I'll have no choice but to pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to 3 credit Bureaus to remove this Charge-off Accounts 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 3 credit Bureaus are required to remove any accounts not later than 4 business days after the date of receipt. Please remove these accounts in my file immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX  XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and concern regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to rectify the situation. This ongoing issue not only poses a severe threat to my financial stability but also raises urgent security concerns. I urgently seek your assistance in resolving this matter. I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. Fast-track removal of the fraudulent items from my credit file to prevent further financial and security risks. I emphasize the critical nature of this matter and the immediate impact it has on both my financial well-being and personal security. I rely on the accuracy and security of my credit file, and it is imperative that these fraudulent items are promptly and definitively addressed. Please help me remove these items immediately : XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised, documented, and I'm still finding myself fighting for my true identity in order to give me my accurate report. These accounts has been disputed many times, however Equifax credit agency refuse to abide by the laws of the FCRA, Section 609, Section 611, and Section 623. My next and only way to deal with this is to either a law suit and/ or file with the FTC . Equifax is reporting unverified accounts from sources without being provided physical documentation and shared with the consumer. I have demanded that Equifax provide me with the Method Of Verification inwhich it took in denying my dispute by responding account verified. Who verified these accounts, what was title and name of the employee who represented Equifax, what day and time / year did this take place. What communication devices was used, phone, fax, email, certified mail, etc. Please provide me the consumer with this information per these accounts ( # 1 ) XXXX XXXX XXXX {$920.00}, ( # 2 )  XXXX XXXX, XXXX {$730.00}, ( # 3 ) XXXX XXXX XXXX XXXX {$26000.00}, ( # 4 ) XXXX XXXX XXXX {$1000.00}, if not please block these accounts permanently and immediately. I do not have a contract with these corporations. It is not my job to contact them, Equifax is the company that's reporting items that's one sided without providing physical documentation along with The Method Of Verification used. Please block accounts immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

Yes, on or about XX/XX/XXXX, I had visited our local Best-Buy Store and had attempted to use my Best-Buy credit-card which wasn't working, which had prompted an immediate concern and embarrassment, which multiple attempts were made to either swipe or use the card. That further I was wearing my Veteran 's cap, which was yet another insult or slap in the face to us Veterans. This had prompted such a concern if my last payment had been received..., which Customer Service that we had called after using alternate tender to make our purchase had indicated ( plus automated system ) that the payment was received timely on XX/XX/XXXX, however that there was a " hold on the account '', due to the amount of the payment. i.e. that we were being penalized for paying the account off, etc. which said account has never had an NSF and were operating within the credit limit issued and open since XXXX. This creditor 's actions ( Citibank, NA ) were egregious and appearing of discriminatory as the hold placed was unsubstantiated and appears that this lender was placing us in a " pool '' of other customers?!?! Thus we were greatly inconvenienced and were left scrambling for answers following these events, that they didn't even advise us that there was or would be any hold. Wherefore, we're seeking reimbursement for the amount of our purchase that we were forced to use alternate tender for in the amount of {$55.00} which was and is a nominal customary purchase per our account with this lender.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence. 

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX - XXXX - {$4400.00}
Product: Money transfer, virtual currency, or money service

Withdrew Funds, Balance was not Reflected in Bank Account, although funds withdrawal show up as completed on platform. On XX/XX/XXXX XXXX XXXX. 
Amount is {$11000.00} Contacted support on XX/XX/XXXX XXXX, Case ID XXXX on platform. 

Response on XX/XX/XXXX XXXX. 

Hi XXXX, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 



No response since.
Product: Debt collection

Affirm XXXX Inc. has contacted several times via email using profane and obscene language to collect debts for three accounts. In their emails they have included I missed a payment, failure to make the payment may affect my eligibility to use Affirm in the future, and they were going to contact a third party collection agency to obtain the payment. I have emails from XX/XX/XXXX in the amount of {$17.00}, XX/XX/XXXX in the amount of {$34.00}, XX/XX/XXXX in the amount of {$34.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$130.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, XX/XX/XXXX in the amount of {$45.00}, and XX/XX/XXXX in the amount of {$45.00}. 

I did follow up with the company XX/XX/XXXX and they report back the debt was verified. I responded back in XX/XX/XXXX and asked who did they speak with to verify the debt because I know by law they can only speak to me and Im the only one who can verify a debt and they responded again without specifics and said the debt is accurate.
Product: Debt collection

On XX/XX/XXXX i applied for a car loan with XXXX XXXX loans, and due to the Pandemic and loss of employment i could no longer keep the car. I called XXXX where i received the vehicle and advised that i would need to do a voluntary repo for the car. I was advised to drop the keys off and they would let XXXX and they would contact me with the amount owed once the car was sold. 

The car was sold and i was advised their was no debt, I never heard from XXXX again until i noticed last year a debt from a company i did not recognize i tried to call the company and the number was disconnected. I disputed the autoloan on all three of my credit report in XX/XX/XXXX and it was removed from my credit. 

On XX/XX/XXXX a lawsuit against me was taken out and i was not advised by the court or XXXX that a lawsuit had been taken out on me until recently in XXXX of XXXX when a court reporter served me a notice saying that i was being sued by a company called Persolve Legal Group on behalf of XXXX since this time they've placed a {$15000.00} debt back onto my credit and still have not contacted me directly and tried to work with me on a feasible solution. They also used bad tactics by sending court documents to an address i no longer live and have not lived at for over XXXX by ensuring that they are able to complete a default judgement, this is predatory on their end and shows bad faith on the companies part. 

Their court case has been dismissed because they did not show up to court, i feel harassed for no reason.
Product: Credit reporting or other personal consumer reports

On all three of my credit reports they have wrong address I would like them remove from Equifax XXXX and experian
Product: Debt collection

GreenSky Finance Company is knowingly trying to collect on a loan that is the result of identity theft committed against me. My wife applied for a home improvement loan and was turned down. Her maiden name is XXXX or the same last name used when my good credit and Social Security number was used for obtain a loan fraudulently. I don't know the specifics but what is absolutely 100 % true is that a loan was done with my social security number without my permission and without my knowledge. Due to the fact that my name or XXXX XXXX is unusual either the finance company or the sales person used my wife 's maiden name so that the identity theft would not become apparent to myself or others for as long as possible or never at all. I've enclosed the letter that was sent to me after the finance company was given my a police report and information about how 4 counts of identity theft was committed against me in the last 2 years ( as I proved to them ). I told them that threatening to ruin my credit if I didn't pay an identity theft loan was legal extortion or putting a XXXX to my head and making me pay on an identity theft loan earlier today or on XXXX, there response was to text me and threaten to ruin my credit!! They used information I gave to them about how my financial future depends on good credit and about having a family to feed and XXXX wife and they used it against me!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I loss 36 FICO points in XXXX because Wells Fargo decided to close all their lines of credit accounts. I am not concerned that they decided to close all credit accounts l just want my 36 points reinstated. It ook a lot of hard work and sacrifices to obtain those points and based on one lousy line of credit the bureaus just takes my points like that! Why are consumers being punished for the banks past transgressions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX ; XXXX XXXX XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX