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

On XX/XX/2021, I was involved in a small incident in a parking lot where I was backing up and slightly scratched someones bumper and it is appearing on your guises website as an accident it was not a moving accident it was a parked vehicle I was backing up.
Product: Debt collection

Listing account as open, charged off by original debtor Washington Mutual, last, last payment XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had gone into to a minute clinic to receive some treatment as I was experiencing some discomfort in XXXX. There was never any request for lab work nor was I disclosed any additional charges. Now they have reported collections in all three credit bureau an unpaid balance for l tests that I never agreed too nor knew was being billed for. They have taken advantage and when I have tried disputing have not gotten any resolution. I have also sent them a letter back on XX/XX/21 that they have yet to respond too as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a business loan late payment ( not a default/judgment ) that a business creditor is reporting to my personal credit because of a personal guarantee. The loan is to the business EIN and not my personal SSN. 

Equifax should not allow this because of the way they market their data, When I apply for a personal loan, I am only able to provide personal income to the prospective lender. The lender then checks my income vs. the debt/score on my report. A business late payment on the report unfairly damages my credit because the personal lender is assuming that everything on the report is related to my personal finances. In real life, I have additional income via the business to pay that commercial loan but I can't provide that business income to the lender as I apply for credit. Again, creditors are evaluating my personal ability to pay but I am getting graded against a conflation of personal and business debt. Having business creditor payment information on the personal report is not consistent with how Equifax sells their data. 

If Equifax marketed their data to be a combination of business and personal finances, then this would be OK because I could then use business income to show my ability to pay. However, they only market their data as a personal credit score. 

It would be appropriate for Equifax to report a business loan only when the lender has received a civil personal judgment ( presumably after default and they are able to pursue this personal judgment because of the personal guarantee ). At that point, the debt is personal and should need to be paid with and considered a part of personal finances. 

But in advance of a personal judgment, allowing business creditors to report payment status to personal credit reports corrupts the data in a way that is inconsistent with how Equifax markets their data to personal lenders. It has to be excluded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Toyota of XXXX did a hard inquiry on my credit report on XX/XX/2021. I was never present at this shop and did not give any consent for this. I was never even looking for a car! I have called them numerous times to try and have them explain themselves and handle it, however they always tell me some manager is going to call me back. I want this hard inquiry OFF of my credit history. I had no co tact with Toyota at any point about the interest of a car.
Product: Payday loan, title loan, or personal loan

I have a personal loan with Discover. I took it out in XX/XX/XXXX. I have been receiving offers for another loan. This would pay off my existing loan and get $ available. Today I applied via phone. I was told I was turned down due to a Bankruptcy. I filed Bk in XX/XX/XXXX and was discharged. It has dropped off all 3 reports. I just purchased a new home. I called XXXX to inquire. I was told there is no BK on my report. I called Discover back. I was eventually told that there wasn't a BK reporting however the word " Reaffirmation '' was on it from a paid off trade line. I tried to explain that the Actual BK was on my credit when the original loan was made. I asked how can I be turned down for a word and you use the BK as the reason. I got no where and was turned down. I have been in XXXX   for 18+ years. I believe this is a violation of Fair Lending. My score is over 800. The fact that I had the actual BK on my report when the first loan was made and now it is dropped off and I am turned down for BK being the reason isn't right. I don't think it is legal. How can I be turned down for something that isn't there? I would appreciate you looking into this matter and letting me know if this should have happened.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorize accounts from my credit report promptly. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I formally request their removal within 15 days. I have included the relevant documents for your review and reference.
Product: Bank account or service

BB & T decided that they would investigate my checking account that I had with them in 2013. I was not recording my transactions accurately to where I was under the impression that I had available funds in the account when I did n't. During that time I also had an account with XXXX XXXX that I just opened because I did n't like the way that I was being treated at BB & T. BB & T closed by account because I was always negative and decided to inform XXXX XXXX who froze my money. I had to wait 7 DAYS in order to get my own money released to me. Then XXXX XXXX closed my account because of BB & T. Its really crazy because every time I go into XXXX XXXX, they offer me to open an account with them. I never ever want to do business with XXXX XXXX or BB & T ever again. I also make sure that when I hear consumers going to open accounts with them, I tell them of my story and they change their minds.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have NEVER been contacted by this company, CONSUMER ADJUSTMENT CO. I have no idea who they are or what they are trying to collect. They simply posted inaccurate information, a collection account on my credit report ( s ). They DID NOT follow proper collection practices by contacting me at my current address in writing or provide adequate time for a dispute. I monitor my credit closely and have a long-term freeze with all bureaus. Thus far, a collection account has appeared on both my XXXX and XXXX reports. I was notified via XXXX  and another credit monitoring service from my bank. This collection account has caused my score to drop XXXX points preventing me from obtaining a XXXX credit loan I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled updates of my credit report! I dont see any changes! It makes me worries, because I dont know who is using my personal information. I never applied for it!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXXXXXX 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: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon there being no reasonable or factual grounds to support the underlying claim from TransUnion LLC within 5 business days and still till this day. Nor did TransUnion LLC follow other procedures Pursuant to 15 U.S. Code 1681c2 ( C ) ( 2 ). 

TransUnion LLC claims of ; my request being made in error, is a misrepresentation of material fact relevant to the request to block and/or I have obtained possession of goods, services or money as a result of the transaction issue. Sent on XX/XX/2022, are deemed frivolous in nature. 

I am requesting a description of the reinvestigation procedure or a deletion of the identified items from my credit report. 

To be clear, I am reporting to TransUnion LLC identity theft related to the identified items in my credit report and FTC Report that TransUnion LLC received on XX/XX/XXXXXXXX XXXX XXXX I am not claiming a dispute as I comprehend that as a different claim and process and until TransUnion LLC provides a lawful reason why my case was put into disputes without my prior consent then this case stands to be classified as Identity Theft only, pursuant to 18 U.S. Code 1028, 15 U.S. Code 1681c2 and 15 U.S. Code 1681n. 

Also please see attached Sent Certified mail : XXXX on XX/XX/2022 a copy of my Identity Theft Report that includes ; o ( 3 ) identified information as the result of identity theft o ( 4 ) Personal Statement Sent Certified mail : XXXX on XX/XX/2022, Credit Report with Identified information highlighted in yellow as the result of identity theft.
Product: Debt collection

Received a collections bill that I know nothing about.. have never received a bill and the company said it dates back to 1996.. company told me to call you guys
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. 


Account Name : 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is listed on my credit report. My loans have been consolidated with XXXX XXXX since XX/XX/2014.
Product: Student loan

Nelnet takes advantage of people by delaying SAVE Plan purposely to apply more interest. They caused me a lot of interest that could have been prevented. XXXX of their agents XXXX said over the phone that it was their mistake and they should have done the XXXX plan initially. Multiple of agents took verbal permission to do SAVE plan initially but it never went through and they never updated me in attempt to collect more interest. Also I asked them to follow up with XXXX University on a loan that does not belong to me as I never attended that university, Nelnet refuses to get involved. If they claim to be an honest servicer, they have to stand for whats right! They refuse any cooperation in XXXX matters I stated here which are using the time to ignore peoples XXXX XXXX request and postponing their request to collect more interest and not cooperating on the ongoing issue with XXXX University.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. 

In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax has violated my rights. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15 U.SC 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 1681a 5 Section States : no consumer reporting agency may make any of the following items of information or any other adverse item of information, other than records of crimes or convictions which antedates the report by more than seven years. 15 U.S.C 1681s : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that information is inaccurate.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 

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

I have been receiving repeated phone calls from varies phone numbers a few times a day. No message is left, I block the calls as Spam, and another number starts. I answered one number and he argued with me to act like I called him and he was a doctor. He did it only to see if my number was a working number. It harassment and it feels like one of those sneaky collection companies using illegal tactics. The last call was today XX/XX/18, from varies phone numbers but the company is called Diversified Consultants when I called from another number to see who was repeatedly calling my phone. 
The numbers that called are : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX
Product: Debt collection

Fraud account/ no contract never had a contract with debt company nor who they are representing.
Product: Debt collection

I lost my wallet that has my identity and debit cards and then someone found it and used for purchasing of item with my debit card and ID from the company called Acima with lease number XXXX since then the company they bought the item from has been disturbing me with debt collection and I have tried my best to reach out and explain things to them that I have no idea of what they talking about and they threaten to damage my credit by reporting the debt to debt collection and credit bureaus for the damage of my credit so I'm filling this report to help me put a stop to it and I will be grateful if my request can be considered..Thank you
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am currently XXXX. American Education Service ( AES ) has sold and defaulted a private loan on XX/XX/XXXX no notice was received. AES is stating they are no longer servicing this loan while reporting a {$38000.00} debt while the account balance on their website indicates a {$0.00} balance. In addition, the loan original balance was {$15000.00} while AES reports the loan about to be approximately {$38000.00}. The {$15000.00} loan was under forbearance XX/XX/XXXX to XX/XX/XXXX. During the forbearance period AES more than doubled the loan amount to approximately {$35000.00} on XX/XX/XXXX. This loan was also approved for deferment from XX/XX/XXXX to XX/XX/XXXX -- this loan was sold off during the deferment period as a charge off delinquent debt on XX/XX/XXXX. In addition, I should have been covered under SCRA protection due to military service XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. I have attempted to contact AES several times with no success.
Product: Debt collection

Holloway Credit Solutions LLC sent a letter to my daughter for debt collection on an account that I own. They threatened that this debt would go on her credit history if she did not act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to buy a new truck and the place where im getting the truck told me that I owe American Express a large sum of money which is incorrect. I called American Express they said they are showing the same thing but I do not have a balance on the card. I dont know how long this has been going on but its affected my credit alot. They told me that they would fix the problem but still haven't Im beyond mad because I probably wont be able to get the loan for the truck because of them.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

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 is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

Absolute Recovery Service at XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX has been sending me collection notices in the amount of {$4600.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I was never notified or have I been to court about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been deceptive and made a mistake and put my car loan in bankruptcy status and therefore took the trade lines off and have not reported my perfect payment history. Because of this my credit report does not show any car payment history at all and its making it impossible for me to get out of this high interest rate loan and lower my car payment. They are purposely doing this in order to keep me paying this high interest rate. Then they try to say well we don't need to report your history at all, had they told people their payments on their car would never be reported to credit bureau 's how many people would accept a loan like that when the whole purpose of the loan was to rebuild credit to begin with?? I need help, I have spent almost 1 1/2 years fighting them and they keep blaming everyone else but it's them, they refuse to correct the problem!! please please please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is reporting fraudulent hard inquiries on my credit profile. When I spoke with 4 different agents over regressing this matter. And I was insured that the fraudulent hard inquiries would be removed .its a know fact that my data and personal information was compromised by XXXX data breach. If this is not fix asap no more then 5 days I will explore my legal options I will be filing a fedral complaint with my states attorney office as well. Trans union has consistently violated my rights of being a victim of identity theft and they wi be held accountable in the court of law if the following unauthorized inquiries is not removed. In less then a week attached to this complaint is documented affidavit from the federal trade.