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

Good Day, Upon checking my credit report, There is an account reporting to my credit profile that should not be there ( XXXX - Account Number XXXX ). I did not give authorization to this creditor to open this account. I contacted the creditor and was informed that they could not find this account in their system and that the account has since been purged from their system. I have never resided in the state of Missouri. I never gave authorization or consent for this credit to open this account and never used said credit card or loan. I have been a victim of identity theft over the years. This account that has never belonged to me and continues to reflect on my account with nine inaccurate late payments that continues to hinder my credit profile.

This credit bureau is in violation 15 USC 1681 ( 2 ) ( a ) ( i ) reporting late payment XXXX - Account Number XXXX 8 late Payments- Your assistance this pertinent is greatly appreciated, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Originally, I had made a claim with Bank of America because I was scammed, a fraudulent charge where I did not receive my item. On XX/XX/XXXX, I had initiated this claim for approximately {$250.00} that I had sent to a merchant through XXXX. XX/XX/XXXX, BofA had sent this dispute to XXXX, to which they had messaged the seller asking for anything such as tracking information, etc. XXXX did not get a response from the seller, further proving my case which then they had sent that response back that they did not hear back from the seller on XX/XX/XXXX. I have now since checked the claim, and it has been set as " resolved - claim not paid '' even though I was clearly scammed, and I have proof of direct messages between both the seller and I, and that I had not received my item and still have not. 

Attached below are screenshots of the direct messages that the seller and I had exchanged, I had deleted my address out of the direct messages. But, at the end his profile is shown to show that he blocked me, I have no way of further communicating with him and I still have not received my item so I was scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Car loan was opened in XX/XX/2011, XXXX XXXX  has lawsuit settlement and did not resolve the issues with my account. I feel as though they were using bad practices i was set up to fail. I am also complaining about the accuracy of the account the close account, currently reporting to my credit report. 
high Balance reporting different balances Last reported date - is reporting different balances owed XXXX did not dispute my complaint at all also the 7yr statue of limitation is up on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to Equifax on XX/XX/2023 by sending a letter via certified mail and asked them to verify each specific entry. I also asked that within the response that they include the original documents with a signature legally binding me to this agreement which in response no more than 14 days. 

I was sent a letter via email stating this debt was validated but received no method of verification or documentation with a signature. To my knowledge, I was assured that there was communication between this credit bureau and this company to validate this debt according to the FCRA law. 

I reached out to the XXXX  to make a complaint about this account, I received a response from XXXX XXXX  they stated in their response letter this complaint is the ONLY COMMUNICATION we have received on behalf of this account. if Equifax properly investigated this account and the validation, how is it that this company is saying that my complaint is the only communication received on behalf of this account. This was not my first time disputing this account. This makes me question the accuracy of the validation of the other accounts validated.This is grounds for removal and my rights were violated under 15 U.S.C 1681 Section 604 A section 2 ACCOUNTS IN QUESTION : XXXX XXXX XXXX  ( XXXX ) XXXX XXXX  XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I had 2 loans with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and loan # XXXX. 
Both of them were paid off in XX/XX/year>, and XXXX sent a set of recording documents at corresponding TX countries. however these XXXX XXXX  still show as active loans in my credit reports. I called XXXX, I was told they have reported these payoff to credit agencies. 
I am requesting credit agencies to show these 2 loans status correctly as paid off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay
Product: Student loan

My loan servicer ( XXXX ) mistakenly applied a retroactive forebearance to my loan payments for the months of XX/XX/XXXX-XX/XX/XXXX after I had already made the payments in full and on time. They are now refusing to count those payments as part of my public service loan forgiveness ( PSLF ) qualifying payments. In addition there are various other months where they miscalculated my payments and as a result they are 16 months short of what my records indicate the right number should be. Since XX/XX/XXXX I have been requesting a review/recount and have been strung along by them repeatedly. The latest excuse is that they are waiting on approval for an expedited review since it has been so long, but even that approval has taken them over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first set of disputes for inquiries to the bureaus on XX/XX/XXXX. I gave them the 30-45 days legally allowed and never got an answer from any of the bureaus. I sent a second set of disputes through certified mail on XX/XX/XXXX to track the delivery of the letters, they were all delivered as you can see through the attachments, but I still have not received a response from the bureaus. I just sent my 3rd set of disputes to the bureaus yesterday, XX/XX/XXXX through certified mail again, HOPING for something this time.
Product: Credit reporting or other personal consumer reports

After careful review of my Credit Report the following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my last attempt to resolve this issue that I've been dealing with Wellsfargo for over 6 years now. In XXXX I opened up a XXXX XXXX  card with WF. In XX/XX/XXXX I enlisted in the military with an XXXX XXXX date of XX/XX/XXXX. In XX/XX/XXXX I notified WF that I was called to XXXX XXXX and that I'm invoking my rights and seeking benefits under the Service Members Civil Relief Act ( SCRA ). 

I was called to XXXX XXXX on XX/XX/XXXX. I didn't receive my first paycheck with the XXXX until about 60 days later so I was unable to make any payments to the card. The entire time I was on XXXX XXXX Wellsfargo continues to report negative late payments to the Credit Bureaus. They reported 30, 60, and 90 days late, that's XXXX, XXXX, and XXXX respectively. This has severely damaged my credit rating and my quality of life. I've made numerous attempts to solve this issue both with the credit bureaus and WF executive office Team. They have always responded that the info is accurate. This is not accurate and is a violation of the FCRA by reporting inaccurate information. 

The payment history that is being furnished to the Credit Bureaus is also inaccurate. XXXX and XXXX have no Date of First Delinquency while XXXX has a report date of XXXX. These are deceptive practices that would attempt to " re-age '' the information thus manipulating the statutory requirement and unlawfully extending it. 

Also, Wellsfargo is reporting to XXXX  that in XXXX, XXXX, and XXXX I was late and in XXXX the Account is current, and then in XXXX is Closed. This is all deceptive practices and the reporting of inaccurate information. Wellsfargo had closed the account sometime in XX/XX/XXXX and didn't give me an opportunity to bring the account current. These late payments and inaccurate information has ruined my entire life for 6 years.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within XXXX  days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX : Account number : XXXX, Please remove it from my credit report. I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX : Account number : XXXX, Please remove it from my credit report. I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX  : Account number : XXXX, Please remove it from my credit report. I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 



Sincerely, XXXX XXXX
Product: Debt collection

To Whom It May Concern, The reason for my dispute is CENTRAL PORTFOLIO CONTROL INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CENTRAL PORTFOLIO CONTROL INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 807 ( 1 ) CENTRAL PORTFOLIO CONTROL INC Validations of date and Mini-Mirandi under Section807 ( 1 ) CENTRAL PORTFOLIO CONTROL INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CENTRAL PORTFOLIO CONTROL INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CENTRAL PORTFOLIO CONTROL INC is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CENTRAL PORTFOLIO CONTROL INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7300.00}
Product: Vehicle loan or lease

Had this car for 2 months, and tried to return it. The salesman would not budge. He knew they were charging way over what the car was worth. We would surrender the car, but we need to have something for work. The car is not safe, I've had 2 spin outs, and there is no FWD. Gm Financial will not help with lowering the payments. I talk to them regarding the payment plan, and they still call me 3 days later. I even had a guy hang up on me, because he wanted to flap his mouth the whole time. They also play good guy, bad guy. The person you talk to just says, we will note the account of your payment arrangement, then someone calls you, to tell you what you already talked about 2 days ago. So stupid!! I lost my job 4 months ago, due to a shut down, and can't make all the payment. I am XXXX, and on unemployment. GM does not care. I feel like filing bankruptcy, but don't want to. I wish I never heard of the dealer in XXXX, and GM Financial!! They have enough money, so why can't they give people a break? All these big dealerships, need to be taught a lesson. Lets boycott the big names, and buy used. I bet they would stop these practices. I know there are a lot of inventory unused, but people are so money greedy, they don't want to get to people, and families that are barely making a living!!
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX South Carolina Laws Dear CHRYSLERCAP, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically South Carolina Code Section 16-13-490.

It has unequivocally come to my attention that CHRYSLERCAP has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, South Carolina state law, specifically Section 34-11-110 of the South Carolina Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, identity fraud laws, such as South Carolina Code Section 16-13-490, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CHRYSLERCAP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CHRYSLERCAP immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 34-11-110 of the South Carolina Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and South Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CHRYSLERCAP will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the companys that pulled my credit causing inquiries to be placed on my credit report which are listed below. I told them that I did not authorize them nor any one else to pull my credit for a loan and that I wanted it removed from my credit report immediately because this is fraudulent! 
This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the inquiries belonged to me the first time you reported the account on my credit report. Your failure to properly verify these inquiries has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the accounts : XXXX XXXX XXXX. 
Tel : XXXX Type : Sales Financing Company XXXX XXXX XXXX XXXX : XXXX Type : Equipment Leasing Debt Inquiry Date : XX/XX/2023 ( Unverified account ) XX/XX/2023 ( Unverified account )
Product: Credit reporting or other personal consumer reports

Formal incident number XXXX XXXX my info was in a recent breach and past breaches I just recently found out about and my life the past few months has been kinda XXXX XXXXXXXX XXXX and interfering with my life in know sign ins multiple thing call me I can explain to much to type please contact XXXX regarding my calls from XX/XX/year> and XX/XX/year> also the same dates for TransUnion also XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has been compromised my calls are routed to the scammers I found my infos been pasted? 
Call forwarding scam/mirroring scam my XXXXXXXX XXXX XXXX been hacked and they changed my passcode locked me out Im being to XXXX XXXX to see what happened I have recording of the calls because after it happened a few times I then started to recorded and let them know when they were trying to get me to disconnect the call or when they would start acting funny I would press the record button then they would follow through but after getting off the phone Id be locked out of my credit accounts TransUnion and XXXX, I have recordings I have so much thats just unexplainable
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX # XXXX {$14000.00} XXXX XXXX L # XXXX {$3500.00} XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX  # XXXX $ XXXX XXXX XXXX XXXX # XXXX {$3500.00} XXXX XXXX XXXX XXXX {$550.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX  is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX I requested an investigation into this account. Then on XX/XX/XXXX I requested a re investigation of this account. Since re- investigation the errors still have not been fixed. You are showing this account being charged off every single month from XX/XX/XXXX until XX/XX/XXXX. An account can only be charged off one time. This fraudulent reporting is highly injurious to my credit, undermines trust with the credit bureaus, and is intentionally re-aging my account causing this to remain on my credit report much longer than is should be. This is illegal and is a clear violation of the Fair Credit Reporting Act. Therefore I demand that this account be deleted.