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

Experian is playing games and giving me the run around Experian updates my credit file each month now they want to play games but send me this incomplete credit file. 

Report all made up address and so forth. 

I have also filed with the US Attorney and DOJ to the credit abuse practice and false address and phone numbers and information created by Experian as false info. 

This needs to stop due to its incomplete and false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 a account without my written instructions
Product: Debt collection

Collections agency was contacted several times, and affidavit has been filled out for removal of debt. Collector agreed to ignore the contact from the party, and specified that this debt is for someone with a similar name. The debt is from XXXX  and was living in XXXX  at the time. I have submitted a copy of my drivers license as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting a bankruptcy on my credit reports and have put the data furnisher as the, XXXX XXXX XXXX XXXXXXXX XXXX Georgia, which is not true. I have included a letter, from the XXXX XXXX XXXXXXXX XXXX Georgia, that states that they DO NOT furnish such information to the credit bureaus or ANY credit reporting and monitoring agencies. Nor do they validate or verify any information concerning bankruptcies. 
XXXX, Equifax and XXXX are falsely reporting this information on my credit reports and have yet to remove it from my reports.
Product: Mortgage

The person that chase assigned to resolve my issue doesnt understand math and its impossible to fix the issue without knowing basic math, the forbearance amount placed at the end of the loan should be 12 payments and chase mistakenly only put 8 also started foreclosure when repeatedly told me they wouldnt and that created an extra cost. I need those fees removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX over a month ago regarding account. I also contacted XXXX, equifax, and XXXX XXXX regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed immediately.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose f
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with a matter regarding my personal information on my credit profile. Despite my efforts to work directly with the credit bureaus, they have not made the requested updates to my personal information.I have attempted to correct the following information : Name : Requesting correction to my full legal name, XXXX XXXX. 

Date of Birth : Requesting update to reflect my correct birthdate, XX/XX/year>. 

Address : Requesting removal of all other addresses and confirmation of only my current address on file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

Phone Number : Requesting update to reflect only my correct phone number, XXXX, and the removal of all other numbers on file. 

Despite multiple attempts to provide verification of this information, the credit bureau has not updated these inaccuracies on my report, impacting my ability to use and maintain my credit file accurately. I am requesting that the CFPB intervene to facilitate the necessary updates to my credit profile. 

Thank you for your attention to this matter. If additional documentation is required, I am available to provide further verification as needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a persistent issue regarding an inaccurate public record on my credit report, and despite repeated demands for its deletion, the matter remains unresolved. This is the third time I am reaching out to the credit bureau, to rectify the inclusion of a bankruptcy record, referenced by the number XXXX. 

My name is XXXX XXXX XXXX, and I have previously provided detailed information to this credit bureau regarding this matter, including documentation from the court confirming that they do not verify information with credit bureaus and that such information has been removed/deleted. Despite presenting this evidence, the inaccurate bankruptcy record persists on my credit report. 

Furthermore, it is crucial to note that the bankruptcy record is erroneously attributed to the name XXXX XXXX XXXX, not my legal name XXXX XXXX XXXX. This misinformation is a clear violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that consumer reporting agencies maintain accurate and up-to-date information. The inclusion of this inaccurate information damages my creditworthiness and financial standing. 

Additionally, I would like to highlight that XXXX, as of XX/XX/2023, has removed this particular record from their database. This further supports the inaccuracy of the information reported by this credit bureau.

I am exercising my rights under the FCRA, specifically invoking Section 609, to dispute and request the removal of this erroneous bankruptcy record from my credit report. The continuous reporting of inaccurate information is not only damaging to my creditworthiness but also a violation of my rights under federal law. 

I kindly request the CFPBs intervention to ensure a thorough and prompt investigation into this matter. Despite my previous attempts to resolve this issue, This credit bureau has failed to take appropriate action. The inclusion of inaccurate information on my credit report goes against the FCRA, which mandates that consumer reporting agencies maintain accurate and up-to-date information. 

I am deeply concerned about the potential consequences of this inaccurate reporting on my financial well-being. I appreciate your immediate attention to this matter and request your assistance in facilitating a resolution. Please find attached supporting documentation for your reference including information directly from the court 's website stating they do not verify any information with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my husband and my daughter took his nieces information and used it to purchase a car. His niece reached out to me today and it is time the truth come out. She stated she has been disputing the charges. She is not liable for this account. Back in XXXX we all lived in a family house and I dont know what gave him the idea to take her information fraudulently and commit identity theft. He got my daughter involved. The dealer didnt pay close attention to the copy of drivers license and let them use it. This is a case of identity theft. My husband has sense passed away and I believe guilt from doing all of this has a lot to do with it. He diverted all the mail so that no mail would go to the house. He opened bank cards in their name, he forged letters and had money taken from their work checks. In XXXX my daughter wrote a letter to Credit Acceptance pretending as she always have to be the party at hand. She did not write a letter to Credit Acceptance. After my husband passed away my daughter surrendered the vehicle. The people this is affecting has nothing to do with this. My husband committed identity theft and opened this account fraudulently, he is no longer here to pay for his actions. I can no longer live with this on my conscience.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 card

The representative informed me that HE could record me but I was not allowed to record HIM at which point I told him to email me..there was never any more correspondence.
Product: Debt collection

my previous complaint with c.f.p.b XXXX  against national credit systems responded to your department that they would delete this collection from all credit bureaus, and they have, however they are still reporting the same collection with a different account number to all credit bureaus which is XXXX (XXXX XXXX}.they need to remove the same disputed collection from all credit bureaus with this account number XXXX. they also must inform your department that this account number will also be deleted since its the same fraudulent collection as before falsely reported.
Product: Debt collection

XXXX XXXX XXXX has been reporting and damaged my credit report says I owe {$2300.00} for something that they say I rented on XX/XX/2016 from a company called XXXX  and I have not I have disputed this collection many of times as not mines identity theft with the credit bureau and they still says I owe this account I have requested proof of this account that they say belongs to me and the information I received is unverifiable the address they have does not belong to me the telephone number is not mine nor does it has my signature I don't understand how they was able to even report this under my credit report
Product: Debt collection

Letter receive at my residential address dated on XX/XX/2023 from XXXX XXXX XXXX XXXX ( toll free : XXXX ; address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) attempt to collecting {$32.00} for creditor " PayPal, Inc ''. 
Within the letter claiming " Call or write us by XX/XX/2023, to dispute all or part of the debt. If you do not, we will assume that our information is correct. '' which is an unethical practice forcing the letter receiver to act or else assuming all information is correct. 
I post complain on the XXXX XXXX XXXX and received following correspondence from the said company : " Receipt of correspondence from a concerned customer is taken very seriously at XXXX XXXX XXXX XXXX. All issues are researched thoroughly with extra attention to the customer perspective. 
Based on XXXX XXXX concerns, we have ceased all collection efforts, and the account will be closed and returned to our client. Our investigation of the account and information you provided ( your e-mail address ), indicates that you XXXX have been a victim of identity theft. The e-mail address provided to us by, PayPal , Inc., does not match the address you provided in your correspondence to the XXXX XXXX XXXX 
We have provided PayPal with a copy of this complaint and our response. Should, XXXX XXXX, have any questions, we kindly ask that they contact, PayPal , Inc., and allow them the opportunity to address any additional concerns they XXXX have. 
Thank you for bringing this matter to our attention. We apologize for any inconvenience that we XXXX have caused. 
Sincerely, XXXX XXXX XXXX, Corporate Compliance '' Problem is never once my e-mail address was disclosed in the physical letter sent to my correct name and physical address. I was never contacted by the creditor " PayPal Inc. '' prior to receiving this letter nor it's possible for me to incur any debt from PayPal Inc. in the past. Furthermore, the creditor " PayPal Inc '' has no balance due under my name. Similar tactics and experience of such practice from this company ( claiming collecting money owed from " PayPal Inc. '' ) is easily found from PayPal 's official website under its Community Discussion Forum ( see link " XXXX XXXX XXXXXXXX '' ). 

This is a very time consuming encounter for person at the receiving end of such letter not to mention the possible XXXX  endured causing by such practice from this company. 

Please see to an end for such practice. 

Thank you An concerning XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a certified letter to Experian requesting the method used to investigate an account on my credit profile from XXXX XXXX, as well as all persons contacted and verifiable information received. They have violated the law and have refused to provide any of the information that I requested to ensure that this negative item was disputed correctly and fairly
Product: Credit card or prepaid card

I had fraudulent activity that occurred on my Discover card, I called Discover as soon as I noticed the charges and disputed them. During my first phone call they advised me I did not have to file a police report. After their investigation they did not deem it as fraud because the charges were spent at stores that I had previously purchase items at. This went on for six months starting in XXXX when the fraudulent charges began. Discover Unwilling to re-review and remove these fraudulent charges unless I have a police report. I reached out to the police and they said the camera footage from the stores the purchases were made or not kept for that amount of time. So now Im stuck paying for charges that I did not make and discover will not do anything about it
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent because I checked my credit report and some inaccurate accounts are showing up. I have no idea why these inaccurate accounts appeared on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX  XXXX Balance : {$920.00}, XXXX, XXXX XXXXXXXX Balance : {$120.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$1900.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2000.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

In XX/XX/XXXX a car I was making monthly payments on was repossessed after I lost my job and was unable to keep up with payments. I do not know what happened to the car after getting repossessed. On the XX/XX/XXXX, XXXX Autovest LLC purchased my debt to XXXX XXXX XXXX Their contract shows no amount. I was never aware that Autovest LLC did this until I was served a summons on XX/XX/XXXX. I have been living in the same address as the one they sent my summons to since XXXX and I never once received a written document showing me they ( Autovest ) had purchased my debt and never received a written document to settle this debt. Instead they are suing me for {$2900.00}. An amount they say I owed the original lender XXXX XXXX XXXX ( the company they bought my debt from ) In an attempt to determine the deficiency balance I may owe I contacted XXXX they told me I owed {$2800.00} at the time the car had gotten repossessed in XXXX. They did not tell me if the car was resold. All they told me was the debt was sold to Autovest LLC. They also could not tell me how much Autovest LLC purchased the debt for and that I can get that by calling Autovest directly which I ended up doing. But when talking to Autovest they still would not tell me how much they bought the debt for and told me to contact their lawyer to get more info and then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect Late Payments on my Credit Report. 

XXXX XXXX XXXX Account # XXXX Late Payment : XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card or prepaid card

Received a PayPal credit card for my wife on XX/XX/21, she has been deceased for many years
Product: Debt collection

I logged into my XXXX report and noticed a debt collection account. This is not my account, and I believe I was a victim of identity theft. I emailed the company for more information and verification of the debt to which I have not had a response. I have not received anything in the mail or my email regarding this debt, therefore I know it is not mine and not validated. So thanks to this company, my credit report has a hit from a company Ive never had any relations with.