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

Hello my name is XXXX XXXX, I am contacting you in regards to the activity on my credit report that I am having issues with. In regards to these particular Creditors being pain in full and taking money from me through the IRS. After being completely removed and free of debt, The creditor or hacker has [ placed the debt back on my accounts after a data breach and I have been trying to get it disputed, I dont know how they lost my data but this has been paid and you can see that it says paid in full but it doesnt explain why the money is back revolving. Which you can say has crashed my credit score from 730 to below 500. I am also not able to see the right payment transactions or even their association with XXXX XXXX which has been used to disregard and they have gone through a data breach as well. This will be my second Attempt to ask them to take this down. When I am contacting these companies they are not giving me a direct answer or being fair like I never paid these off. 

This is most recent disputes. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account number : XXXX Dispute requested XX/XX/XXXX XXXX through Experian Report # XXXX Reason and statement : Paid in full. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX Account number # Dispute requested on XX/XX/XXXX through Experian Report number # Estimated date of resolution XX/XX/XXXX Reason and Statement : The car that was financed by I, XXXX XXXX, was obtained by the dealer and should be seen as collateral. In compliance to the balance, there should be none. 




XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX Account number # XXXX Dispute requested XX/XX/XXXX through Experian @ XXXX Report number # Estimated date of resolution XX/XX/XXXX Reason and Statement : Account was paid in full by I, XXXX XXXX XXXX XXXX of XXXX. 



XXXX  accounts XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account number : XXXX Balance : {$1600.00} Dispute requested XX/XX/XXXX through Experian XXXX XXXX Estimated resolution date : XXXX XXXX, XXXX Reason and Statement : Account was closed in XXXX, resolved through claims court in XXXX, Ca I also now have things on my account saying I have a mortgage. When I do not own a house. Now as I check my accounts through Experian, I noticed that XXXX and XXXX have the accounts closed on the other side but they say otherwise they should say paid in full or settled in court.
Product: Credit card or prepaid card

I have not recieved a Way2Go crad and am trying to order a new one and report that I have never recieved the first one. It is XX/XX/2020. When I call the customer service number it just asks for a card number, puts me on hold for 10 minutes and then hangs up the phone. There is NO way to contact a representative to figure out how to get my child support money off of this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to hard inquiries that I didn't do appear on my credit report. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain information on my credit reports maintained by TransUnion and XXXX. The details of the accounts in question are as follows : TransUnion Report : Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$3600.00} Credit XXXX XXXX {$0.00} Past Due : {$1500.00} Date Last Active : XX/XX/XXXX XXXX Report : Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Credit Limit : {$0.00} Past Due : {$1600.00} Date Last Active : XX/XX/XXXX Upon reviewing my credit reports, I have identified significant discrepancies between the information reported by TransUnion and XXXX regarding the above account. Specifically : Date Opened : TransUnion reports the account as opened on XX/XX/XXXX, while XXXX reports it as opened on XX/XX/XXXX. 

High Credit and XXXX XXXX : TransUnion reports a high credit of {$3600.00} and a credit limit of {$0.00}, whereas XXXX reports a high credit and credit limit of {$0.00}. This discrepancy in high credit amount is substantial and needs correction. 

XXXX XXXX XXXX : TransUnion reports a past due amount of {$1500.00}, while XXXX reports {$1600.00} as past due. This inconsistency in reported past due amounts requires immediate attention. 

Date Last Active : TransUnion reports the account as last active on XX/XX/XXXX, whereas XXXX reports it as last active on XX/XX/XXXX. This discrepancy in reported dates of last activity is significant and needs clarification. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA 611 - Accuracy of Information : The inconsistencies in reported dates of account opening, high credit, credit limit, past due amounts, and last active dates suggest a failure to maintain accurate consumer information.

FCRA 623 - Duty to Correct and Update Information : According to FCRA 623, CRAs must promptly update and correct inaccurate information upon notification by the consumer. The discrepancies noted above indicate a need for immediate correction and updating of my credit reports.

Enclosed are copies of relevant documents that support my claim, including ID and Social Security Card I request that TransUnion and Experian conduct a thorough investigation into these discrepancies as required by FCRA 611 and promptly update my credit reports with accurate information. Please provide me with the results of the investigation in writing and correct the inaccuracies on my credit reports accordingly.

Additionally, I kindly request that you send me a free copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Checking or savings account

Truist Bank opened an account on my behalf without my consent. I was emailed about a checking account being opened. I called the fraud department ( received number from the website directly ) and they said that indeed a checking account was opened on my behalf. Beware.
Product: Credit reporting

There are multiple misspelling of my name and someone else 's name and social security number on my report. Multiple addresses I 've never resided.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : # XXXX XXXX XXXX XXXXXXXX Account name : # XXXX XXXXXXXX, Account name : # XXXX XXXX  XXXX, XXXX Account XXXX : # XXXX XXXX XXXX -Account XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX Account XXXX XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, account # XXXX, XXXX & XXXX, Account # XXXX XXXX Account Name : 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 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 that the information is inaccurate.
Product: Vehicle loan or lease

I applied for financing thru my Credit Union ( XXXX  ) and was approved I then informed the leasing agent ( Fusion/XXXX  ) that I was approved for a loan by Affinity and explained the next steps I would need to continue to buy out my lease. Fusion told me if I go that route I would be charged fees due to the length it would take to process the buy out not going directly thru them. 
Fusion gave me the lease buy out letter. 
I then fwd the buy out as per the request from XXXX  I gave XXXX  a call a few days later and was told that Fusion was refusing to accept checks to buy out leases ( while charging extending lease fees ) from XXXX  directly anymore and they were going to have a meeting ( XXXX  and Fusion ) to discuss this. 
I gave XXXX a call a week later and was told to deal with Fusion directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accrdance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 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 am account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, US DEPT ED, XXXX XXXX, DPT ED/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, U S DEPT OF  ED/XXXX Company Inquiries : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On today, Optimum Outcomes, INC reported an account to my credit without my knowledge. They have contacted me about a debt in the amount of {$2900.00} that I did not authorize. They have called every single day and night seeking payment. I did not authorize this account.
Product: Credit reporting or other personal consumer reports

XXXX IS AWARE OF MY IDENTITY BEING STOLEN I PROVIDED PROOF THEY REQUESTED IN XX/XX/year>. These are STILL on my credit report AFTER providing PROOF OF IDENTITY THEFT!!! 
They know that the email address AND the physical address used NEVER WAS MINE!!! 
My credit report is destroyed due to their fraudulent negligence!!!!
Product: Debt collection

My XXXX and XXXX credit file indicates an open collection from this deceptive company " Capio Partners '', with whom I 've never talked to or heard from. I have no knowledge of this debt and it appears to be a fraudulent, deceptive, unfair, collection attempt. I tried to call them and the phone numbers XXXX only ring busy and disconnect. My credit file indicates accounts XXXX and XXXX. This company has never validated this debt per FDCPA and I have no business with them or any medical billing outstanding. They are attempting to extort funds from me by ruining my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Please remove these FRAUDULENT inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, and XX/XX/2023, I contacted XXXX XXXX regarding a wrong or an error late payment reporting. After the representative transferred me to the manager in charge. He stated that the payment by ERROR was skipped the previous month, and got applied to the next or following month. Since you've never been late, and you have a great payment history. I would suggest you only way for resolution is to contact the credit bureau reporting this mistake by ERROR in this case TRANSUNION. I have NEVER been late and may payment history is always on-time and current.
Product: Money transfer, virtual currency, or money service

was to buy a car from XXXX XXXX XXXX XXXX XXXX of XXXX Iowa via they're web site for agreed price of {$49000.00}. car was to be transported to my address after money was wired from my bank, XXXX XXXX XXXX Bank of America account # XXXX money was wired on XXXX XXXX, XXXX car was never received, I notified XXXX XXXX XXXX XXXX in early XXXX received a case number XXXX, have not heard back
Product: Debt collection

THIS IS MY DEBTH WITH XXXX XXXX. THEDEBTH WAS WRITTEN OFF. I DECIDED TO SETTLED FOR LESS THEN THE FULL BALANCE. I PAID THE SETTLE AMOUNT. THE PROBLEM IS THE REMAINING BALANCE KEEP GETTING REPORTED TO THE CREDIT BEREAU AS I STILL OWE. BUT I SETTLED THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate late payments and a balance on an account that has already been PAID IN FULL I have sent all three credit bureaus the proper documentation that the information is inaccurate but they continue to report the inaccurate information
Product: Credit card or prepaid card

I applied for XXXX benefits in XXXX never received the card it was stolen i later found out. All my XXXX funds were spent and stolen I filed a claim with the bank about it and they have done nothing but deny my claims over and over its ridiculous the amount of money I was scammed out of and now can not get back and now I have no recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX who is submitting this CFPB complaint and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This correspondence is in response to your recent claims regarding the below accounts that you verified although I've informed you that they are nothing to do with any transactions by me.
Product: Debt collection

I keep getting calls and texts from Global Processing Services stating I have an unpaid loan which is not the case. Even if I had an old loan I just completed XXXX XXXX in XXXX and the debt would be invalid. Refused to provide names, they refused to provide debt validation and hung up when I mention it or tell them they are violating Federal laws regarding bankruptcy as well as FDCPA.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

On XX/XX/2020 at XXXX XXXX  ET I received a text alert from Bank of America stating that my checking account ending in XXXX has dropped to a negative balance of $ XXXX. I then received a phone call from a numbering posing to be Bank of America 's fraud protection department at XXXX XXXX ET. I was asked to identify myself using a verbal code that I have previously asked Bank of America too removed because I was unaware of a verbal code. I was then asked to indentify myself using either my bank account number and/or my debit card information. I stated that I did not know my account number by XXXX but I could accuartely ID myself some other way. The fraud department rep insisted that if I could not recite the account number there was no way for her to locate my account. I then ended the phone call after becoming extremely suspicious. I then called the bank the next morning after being on hold for an hour for the fraud department, someone finally resumed the call and then the call ended. I played phone tag for about 4 days until finally reaching someone. When I was able to speak to someone regarding the activity on my account I was notified that the bank went ahead and closed the account. I asked what would be the next steps for me retrieving any available funds on my account they stated that any remaining funds would have to be paid back to the bank although I was unaware of what has taken place. Prior to that I have filed two claims about money being transferred from XXXX account via a third party money transfers app one for the amount of {$4500.00} on XX/XX/2020 and on XX/XX/2020 for the amount go {$2500.00} that I did not authorize. I reached out to both parties and nothing was resolved. I also initiated a claim for both amounts. Both of my claims were denied without the proper investigation
Product: Checking or savings account

I was trying to use my debit card for one thing and it ended up being charged to by some kind of cryptos that I did not authorize. I have an account with Trustmark so be careful to where you spend or enter your card number because people will take advantage of you. When I made a purchase the logos were changed from a trusted store and I ended up putting my card information in a fraudulent store. I ended up purchasing some cryptos for someone else that cost me nearly {$2000.00}. Trustmark will not help you if this happens so be careful where you use your card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to the bureaus challenging a Bankruptcy that is reporting inaccurately. Date of filing and Reference / Case number is wrong and is reporting wrong. Bureaus are reporting Case No XXXX but I'm seeing something completely different. Please help us get this resolved. Attached are the bankruptcy documents
Product: Debt collection

I wrote to Wakefield & Associates6 requesting validation of an alleged debt under 15 USC 1692, after learning that theyre reporting such to the credit bureaus. I sent the request certified mail, return receipt requested ( see letters, receipts attached ). They received my initial request and failed to respond in a timely manner. I sent them notice stating that their failure to respond was a violation of federal law and they had a duty to cease reporting of alleged debt. They continue reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX / 2021 I was notified I had a past due balance. I called the company and explained it was not my charge. they agreed to look into and remove. they notified me it was fraud and they would correct and remove any negative credit. they did correct the balance but still have a past due amount showing in XX/XX/XXXX and XXXX XXXX they have NOT been removed as a paid late account
Product: Credit reporting or other personal consumer reports

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Vehicle loan or lease

I have a loan with AMER CR ACPT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and AMER CR ACPT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX