23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address DOB : XXXX  Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau Name : XXXX XXXX XXXX Equifax, XXXX XXXX Address : Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit, please XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an incorrect account on my XXXX credit report from 'ACIMA DIGITAL FKA SIMPLE '. I have contacted Acima and also filed a dispute with XXXX. After communicating with them, and reviewing the general complaints and reviews of this company on XXXX XXXX XXXX, it is clear that they do not intend to help me without a fight. 

I reached out stating there was an incorrect charge on my account. They immediately stated that I had alleged identity fraud- which I clearly had not. I believe they did this so that they could tell me to obtain a police report and avoid the legally required investigation process laid out in FCRA 623 ( 8 ) ( e ) ( 1 ).

Their public communication regarding invalid claims is so consistent and unhelpful, that I have to believe they are not interested in resolving claims. They only seem interested in closing claims, no matter the impact to the consumer. 

Acima appears to have several anti-consumer practices in place, and receives a staggering amount of complaints related to inaccurate credit reporting on the XXXX  website. At a certain point, one has to wonder if a creditor themselves is capable of opening an account under a consumers name. It brings to memory some of the practices from a high profile bank that the CFPB investigated in 2016.
Product: Mortgage

My Chase mortgage and my Chase Equity line of credit payments are not being reported on my credit report. this is after I finished my chapter XXXX bankruptcy. My Chase Mortgage and line of credit was not in my chapter XXXX. They are not showing any payment history well over six years. I came out of bankruptcy XX/XX/XXXX When I contacted them about this they would not talk to me. All I wanted to know, was when would my payments and balance be reported right on my credit report after my chapter XXXX bankruptcy. These accounts was not in my bankruptcy, Do they have the right not to report XX/XX/XXXX payments if I'am paying on time and I'am out of bankruptcy, or do I have to wait seven years or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry from Factual Data that I do not recognize or approved. This inquiry is from XX/XX/2017 and the only contact details I see listed for Factual Data is XXXX, PAXXXX so I wasn't able to contact them about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX reported inaccurate information to experian which they used to decrease my credit score by nearly 40 points. Experience also had me sign yp for boost, then used it against me because they lost the connection to my back. They cited no report of payments while the connection was lost for more than 60 days. But I contacted them within 15 days of notice that the contact loss notification appeared on their website. When I could not reset it according to their instructions I called them to find out if this was a systems breach or scam. They did not fix the connection at the time and I could not fix it until about 10 days ago. By then XXXX  had scammed me and made 3 complaints which lowered my credit score. All in all experience and XXXX XXXX  don't show accurate depictions of my financial life
Product: Debt collection

I receive calls from a company called Penn Credit XXXX XXXX ALL week, 7 days a week ... from XXXX at night to XXXX on a Sunday morning. They claim I owe {$41.00} to XXXX XXXX House. This is NOT my debt. I called them and asked them to remove me from their call list yet they continue to call and harass me. The name of their company is PennCredit and phone # XXXX.
Product: Money transfer, virtual currency, or money service

I updated company with my new address and now I am unable to retrieve from old address.
Product: Mortgage

In XXXX we made a payment using a wrong account number. We notified our mortgage company and we gave them the correct account number and the payment was cancelled from the first account and taken out of the second account. In XXXX we make our monthly payments as scheduled. Then a week later we were told we didnt make a payment and the money was reversed. Our bank send the Mr cooper documents showing we never received any money back for XXXX, however XXXX went ahead and pay then again until they fix the problem. XXXX we paid, everything was resolved then in XXXX after we make our payments theyre saying we owe over {$3000.00}. And no one can give an account for our payments. Even with documentation that money never refunds back into our account they have fixed the issue. We sent the message from their department that the problem was fix and nothing. Now they want us to pay another 2 months of mortgage when we already and its unfair. We asked to speak to a manager they say 48hrs its now 3 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  has violated my rights. Or a 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: Debt collection

I have been sent multiple letters stating that I have an alleged debt from the Resurgent Capital services company. I have mailed a response to each letter stating that the debt is not mine nor have I ever had an account with the supposed company that Resurgent capital services is trying to collect for. I have never received any form of proof that the debt is mine nor have they provided the original documents proving that the debt is mine. I have mail more than 6 responses back to letters from them in the last several months and I want the company to leave me alone. I have told them to leave me cease and desist but the company keeps re sending letters stating that if I don't respond within 30 days they will have the right to reopen the debt collection. I wish for this company to stop all further communications with me and stop trying to collect on a debt that isn't mine.
Product: Credit reporting

Any accounts I 've had with XXXX were paid in full and closed prior to XXXX from Georgia. I do not owe this debt. I have disputed this account numerous times and each time it has been removed, it is then added again by another one of these " companies '' likely to negatively impact my credit score. Which should be illegal yet Experian continuously allows. Furthermore, I am in the process of disputing this account with another collection agency who is reporting the exact same thing in another one of my credit profiles ( XXXX ).
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 
Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX. 
Account # 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: Consumer Loan

We had a Bank of America home equity loan protection plan, that they cancelled without offering anything to fall back on. How can the bank we have our mortgage and home equity loan through, just cancel it without helping the customer 's find another protection plan, or other alternative. Thank you.
Product: Credit reporting or other personal consumer reports

I have listed all inquiries below. 


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

I had my emails ( XXXX and XXXX ) taken over. I can not verify for ssa, fldeo, irs, or irs. 
I can not get a credit report as every time I try, my email gets hacked into. I DO NOT LIVE IN XXXX, FLORIDA WITH XXXX XXXX ANYMORE. I never lived at the address listed on XXXX XXXX. I visited there and was not allowed to access the mail. 
When I finally realized all of this was going on, I have been unable to move forward with life due to these discrepencies. I can not open a bank account, someone tried to file my taxe, I am owed XXXX  of dollars by the IRS. 
Noone can help me and I don know what ele to do. 
I lost mz life insurance license, access to XXXX XXXX, XXXX  domain from XXXX is inaccesible. 
I apparentlz had XXXX in XXXX  name and various things were done in Florida. 
XXXX XXXX, the database for the insurance producers has been modified. 
i had a new idenifiicaion here in ariyona but for some reason still register in FL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed complaints # XXXX and XXXX on XX/XX/2022, since I couldn't view my credit score in my Bank of America application . And then they let me see it. But now they've done the same thing, and I can't view my credit score anymore. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice on my credit report with Experian they drop my score by 32-point this month for what I do not know. They also charge me for membership that I did not request finally I got a hold to them and I asked them to drop it and they did. Membership # XXXX I can no longer look at this account that ok. My Report # XXXX for XX/XX/XXXX. By dropping my score to 32-point was a lot. Please let me know what's going on. My Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ar XXXX Date of Birth XX/XX/XXXX.
Product: Credit card or prepaid card

I purchased a trip to go to XXXX in XX/XX/XXXXXX/XX/XXXXwith XXXX XXXX travel. The trip cost a total of {$5600.00}. I paid for this in 4 installments : {$1500.00} on XX/XX/XXXXXX/XX/XXXX {$2000.00} on XXXX/XXXX/XX/XX/XXXX {$1000.00} on XXXX/XXXXXX/XX/XXXXand {$850.00} on XX/XX/XXXXXX/XX/XXXX. Unfortunately due to COVID this trip could not take place. The company wrote me an email stating they would not be offering refunds but they would be postponing the trip to XXXX. I received a Credit for the full {$5600.00} to use for a trip in XXXX. However on XX/XX/XXXX I was told that XX/XX/XXXXtravel was now in administration and is no longer trading as a business. They have cancelled all future trips. I was advised by XX/XX/XXXX to contact my credit card which is a Chase Visa and asked to contest the charge as the goods and services provided were not received. Chase denied my request as they stated too much time had passed. I called and explained that the reason all the time had passed was because the trip was initially rescheduled. There was no reason to contest a charge when I was promised what I paid a year later. The customer service rep suggested I resubmit my claim to include the email promising the trip in XXXX, the credit, and then the letter I received about administration. This was again denied. I spoke to a supervisor again XX/XX/XXXX who again stated that it had been too much time since my charges. They advised me not to resubmit unless I have new information. However, my understanding about visas rules are that, the time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. So I don't think the window has closed. And I believe I am entitled to the {$5600.00} I paid for a trip that the company will no longer be able to provide.
Product: Debt collection

Im not sure whats going on, I have never done business with sequium asset solutions, dont know who they are and they placed a collections account on my credit ruining my credit worthiness.
Product: Checking or savings account

Since around one month ago I lost my access to my online banking, it says locked account. When I call customer service they just said '' we cant verify you, go to a branch '' without any explanation or solution. Im not XXXX XXXX XXXX XXXX, I live in XXXX and I travel often to the US. I opened this account with my passport.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the urgent removal of inaccurate information from my credit report, maintained by Transunion. Despite my previous efforts, including a report submitted on XX/XX/2023, these inaccuracies remain unaddressed. This situation requires immediate attention and resolution. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, mandates that credit bureaus ensure the accuracy of the information on credit reports. Additionally, under consumer law, any information that can not be verified must be promptly removed. The failure to respond to my initial report and the subsequent inaction has caused undue harm to my credit score and financial health. As a result, I am providing you with a final notice to rectify and remove the inaccurate information from my credit report within five ( 5 ) business days from the date of this request. Failure to comply will necessitate further action, including contacting the Consumer Financial Protection Bureau ( CFPB ) to monitor this situation closely and ensure compliance with federal regulations. Please find below the details of the inaccurate information for your reference : I trust that you will address this matter with the urgency it warrants. Please do not hesitate to contact me should you need any more details or documentation to facilitate the resolution of this issue. Thank you for your immediate attention to this urgent matter. I look forward to your prompt response and assistance.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

This credit card XXXX has supposedly been closed with each fraudulent transaction reported the last XXXX years. They state it will be closed and a new card will be sent. I have requested no further cards sent. I have gone through XXXX cards since then that have been charged and I reported as fraud. And now I have spoken with their supervisor XXXX XXXX regarding all this and she informed me that the late fees I have to pay because of a fraud report was not taken care of properly. I have also closed checking and savings accounts and I have informed her that I will not pay because it is their responsibility. I still think they are covering someone in the system.
Product: Student loan

I have auto-pay set up with Navient for monthly withdrawal from my checking account. However, they did not withdraw money on the month of XX/XX/XXXX and XX/XX/XXXX. I called Navient and they stated that the money did not get withdrew due to the holidays. Now I am paying an increase of {$6.00} and I believe it is not longer a 120 months pay schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on more than two occasions requested that Experian and XXXX remove an alleged bankruptcy which they are reporting under my name in my their credit files. Letters which have been composed by me have repeatedly asked them to validate and verify the alleged bankruptcy and both companies have corresponded that the bankruptcy has been verified from the company which provided the information to them. The company which they are speaking of is XXXX XXXX and that company has no such bankruptcy listed in my file. I have received a copy of my XXXX XXXX file and see no such information within their database. On another level of complaint with the same erroneous and alleged bankruptcy information, according to the new law effective XXXX XXXX, XXXX any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. Experian ( Report # XXXX, dated XXXX XXXX, XXXX ) and XXXX ( File # XXXX, dated XXXX XXXX, XXXX ) have not provided this information on the credit report that they maintain in my name. This is a violation of the new law. Because I have repeatedly inquired with both companies and they have both claimed that it is verified, the erroneous information does not have the minimum required information listed in this alleged bankruptcy, and they are not willing to do the proper investigation into this matter, I am requesting your assistance with this issue. I have credit file documents ( provided here ), certified and return receipt mailings from the United States Postal Service ( provided upon request ) tofurther solidify my complain which I am presenting. I am very frustrated with both companies and their lack of diligence and because this incorrect information is being reported, offers are not being executed. There is no such bankruptcy being reported on XXXX and XXXX ( both provided here ) and  this information was also sent to the two credit bureaus as well.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Product: Debt collection

On XX/XX/2019, Midland Credit Management called me at XXXX PM, they did not leave me a message as I pressed ignore. I received a second phone call XXXX minutes later at XXXX PM on XX/XX/2019, I pressed ignore and again they did not leave me a message. They have been calling me repeatedly for days on end every time not leaving me a message. I do not know why they are calling. I searched for the phone number they are calling from XXXX and that is how I have gotten their name. I do not have any business with them. The amount of times they are calling is bordering on harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that account be removed remove off of my file Iv requested validation of debt contract signature anything proving the debt is mine. and have not received anything in 120 days I have filed conplaint with FTC. By consumer law codes 15 US 1692. By law account has to be removed.
Product: Debt collection

This debt was charged off XXXX years ago. Cleary this is a ponzi scheme to swindle people by duplicitous, deplorable, despicable, larcenous, rapacious, pettifoggers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Money transfer, virtual currency, or money service

Capital One will not verify my bank account to my stock brokerage. I think legally as a customer I should have a right to access my account info through any source necessary.