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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXXF XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX - XX/XX/XXXX :
Product: Debt collection

In early XX/XX/XXXX, I received a bill from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX attempting to collect unpaid tolls in Delaware ( these were incurred in XXXX, XXXX ). The car was registered in the name of my father, who passed away in XXXX and then became the property of my mother, who died in XXXX, XXXX. The tolls were incurred when my parent 's car was driven from Florida, where they lived, to XXXX, where my mother died. 

XXXX, XXXX, XXXX & XXXX are falsely claiming that this was my car. It was not. My father and I have the same name. He was XXXX XXXX XXXX, XXXX and I am XXXX XXXX XXXX XXXX. At no time was I ever the owner of this car, even after the death of my mother. 

I called XXXX, XXXX XXXX XXXX XXXX XXXX shortly after receiving their bill and explained the situation. They instructed me to send copies of the death certificates and an explanation of what happened. They said the case would be canceled when they received these. I sent them this information by certified letter on XX/XX/XXXX. On XX/XX/XXXX, I received a second letter from them demanding payment. 

I am am protesting because this is not my debt and this was not my car. I asked them to correct the information in their database but they have refused to do this.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of an unauthorized inquiry from my credit report. I am a victim of a recent data breach, and my personal information has been compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this fraudulent inquiry be blocked and deleted from my credit report. 
Unauthorized Inquiry XXXX - Inquiry Date : XX/XX/year>
Product: Debt collection

On XX/XX/2022 someone stole my identity to receive emergency services at XXXX XXXX XXXX XXXX account number XXXX. I have notified all parties that was medical fraud. But they can continue to harass me. Wakefield and associates also XXXX XXXX  lol llc. I have never been to Arizona in my life. I have always lived in New York XXXX. The original address used at XXXX XXXX  was torn down 10 years ago. The original creditor did not do there due diligence to verify the correct identity of there patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my privacy rights with aggravated identity theft. I have made multiple attempts with disputes and certified mail to have these violated resolved. Experian continues to report NEGATIVE information. 


VIOLATIONS - totaling {$13000.00} in damages. See attached proof - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 I am seeking {$13000.00} in damages due to the MULTIPLE violations that you, Experian, have acted on. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. 

As stated above, Experian has violated me with aggravated identity theft. 

I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. Experian must disclose my right to opt out and has committed fraud, which has no statute of limitations. 

Experian has within FOUR DAYS to remove ALL negative derogatory accounts attached AND inquiries. 

THIS IS NOT A REQUEST TO DISPUTE! THIS IS A DEMAND TO DELETE PER MY RIGHTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Account XXXX XXXX XXXX XXXX XXXX # : XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXAccount # : XXXX XXXX XXXX  SYS Account # : XXXX XXXX XXXX IN Account # : XXXX XXXX ( Account # : XXXX BankruptcyReference # : XXXX
Product: Credit card

The company Comenity Bank is making harassing phone calls 7+ phone calls a day which is violating the FDCPA. Some of the calls are coming from blocked numbers at XXXX. 
The photo attached is from XX/XX/2023.
Product: Vehicle loan or lease

My vehicle was repossessed for late payments. I called the company to pay the full balance of late payments and the representative would not accept the payment. The representative stated I must pay the full balance of the loan. I could not pay the full balance and my vehicle was sold with the remaining balance still owed. I am receiving letters to pay the remaining balance when my vehicle was illegally taken after a dispute with my employer. I also believe the amount owed is incorrect.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid the balance in full on my bank of America world Master card account the due date was XX/XX/XXXX. I think I'm good to have and hold a zero balance on the account but on the statement date I received a financial interest charge of XXXX. I don't earn a ton of money and I was proud to be able to pay the account in full imagine my surprise on the bill day when I am expecting a zero balance there is an additional fee. If the bank calculation is on the Average daily balance of the billing cycle I am being penalized for paying the account in full. Had my pay in full amount balance been disclosed to me at the time of pay off I would have covered the whole amount. So my issue is I submitted what I expected was my full pay off amount and still incurred a fee. Had the banks systems advised me of potential additional charges at the time of payment this could have been avoided. Please urge Bank of America refund the interest charges of XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

My identity have been stolen and used to make fraudulent activity on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Financial Services. We leased a XXXX XXXX. When the lease was ending we got the pay-off and it was for XX/XX/XXXX. We paid it off ( which Toyota states we received your payment of {$11000.00} on XX/XX/XXXX ) and figured that was that. However, in XXXX we found out they were marking our account delinquent which made no sense as they had our {$11000.00} since XX/XX/XXXX. Even charged us some kind of tax we paid in full AFTER we paid off the car. XXXX - Toyota Account Manager XXXX reached out to me from XXXX and said there was some paperwork we had to sign to get the title. I asked if our credit would be cleared up once completed and we were told yes. However, they never cleared it up and are refusing to still clean it up. We were NEVER late, in fact, they owed us a refund after it was all said and done. They owed US money. 

XXXX has not reviewed the verifiable information that Toyota had our money in hand. If there was an issue... Toyota should have sent us back OUR money and that would have alerted us there was an issue. They did not give us back OUR money NOR did they inform us of any issues. As soon as we were aware there was an issue XX/XX/XXXX ( Friday ) we returned the paperwork XX/XX/XXXX ( Monday ). There were no late payments. XXXX- when I spoke with her - assured me once they paperwork was filled out - our credit would be corrected. We asked multiple times ( through their " Secure Messages that are no longer " accessible '' nor can you see any YOU send ) about them fixing our credit and that XXXX assured us they would fix this. On top of that they had to pay us monies BACK ( over {$300.00} ) and probably actually owe us more. I wonder if it was legal for them to charge us additional amounts AFTER they took our {$11000.00} that we *also* paid for some kind of tax on the car.
Product: Payday loan, title loan, or personal loan

Aqua finance never attempted to pull my XX/XX/ automatic payment and therefore caused me to be reported to credit as late. Their customer service has accepted blame and acknowledged that they messed up and still have not removed or adjusted the reports. I have recordings of multiple conversations of them admitting fault and telling me they will have a credit specialist fix the issue yet they have never taken action. Now they are giving me the runaround saying they go by fair credit reporting standards and follow all guidelines so they cant fix anything. They claim because they tried calling me that they did their job. None of this makes sense. I want the reports removed from my credit as Ive been promised by multiple senior staff members
Product: Credit card

I am a victim of counterfeit fraud on my credit card. Barclay notified me of the suspicious transaction on XX/XX/XXXX the day it happened. I contacted them as soon as i could and confirmed the charge in question was indeed fraud. After wait more than 2 weeks for the fraud charges to be credited to my account, I sent them an email questioning the status of account ( see copy of email in attachment ), and they responded that my issue has been escalated and will be diligently working to resolve it. After waiting another 3+ weeks, and nothing happened I contacted them for a 3rd time, this time by calling them. I finally got someone on the phone from the fraud department and he told me it would be handled right away, which I did receive credits on my account the next day. I just got a letter this week that was generically worded saying they resolved my fraud case and it is now closed. I assume this meant that it was in my favor, since I am the victim of fraud, but no, they put the fraud charge back on my account. I find it extremely frustrating and completely ridiculous that I will need to reach out to Barclay for a fourth time to resolve an issue that I am a victim. I have also been making payments to cover the fraud charge because I do not trust this company to properly credit me any interest that I would have incurred because of their incompetence and failure to handle this simple situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX Credit account that is close due to all being " PAID IN FULL '' I ask that they be removed IMMEDIATELY from my report.
Product: Credit reporting

Equifax reinserted a previously deleted item and refuses to remove it but sends a response that this has been verified. 
Attached are my credit reports that prove this information was found to be incorrect and removed from my credit report. 
I spoke to XXXX at Equifax XXXX reference number XXXX who also confirmed that the bankruptcy was removed off my record and reinstated WITHOUT proper notification on XXXX/XXXX/XXXX. 
Attached is credit file from XXXX/XXXX/XXXX Confirmation # XXXX that lists the Bankruptcy Filed XXXX XXXX, Also attached is credit file XXXX/XXXX/XXXX confirmation # XXXX with the Bankruptcy REMOVED, credit file XXXX/XXXX/XXXX confirmation # XXXX has the account reinserted to my credit record. 
This is against the law and needs to be removed from my credit report immediately. If this is not removed off my credit report by XXXX/XXXX/XXXX I will be filing small claims action against Equifax. 
DO NOT RESPOND THAT YOU HAVE VERIFIED THIS ACCOUNT, THIS IS NOT THE ISSUE. THE ISSUE IS YOU BROKE THE LAW BY REINSERTING THIS ITEM TO MY CREDIT REPORT.
Product: Debt collection

I reached out to this company on XX/XX/2021 and asked this company to please verify this debt because I had no knowledge of this negative account reporting on my credit profile. Its XX/XX/2021 and this company still has not responded to my dispute and they are still reporting this information on my XXXX  credit report even though it has been removed from my other credit reports. XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccurate reporting items on my credit report. I have attempted to get this issue rectified. So now I need your assistance in this matter : Transunion has incorrect personal information : Incorrect Name : XXXX  Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX  has incorrect personal information : Incorrect Name : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  XXXX  has incorrect personal information : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  There is fraudulent accounts reporting on my credit file : XXXX  - Opened XX/XX/XXXX Balance : XXXX ( XXXX, TU, XXXX  ) XXXX/ XXXX XXXX  - Opened XX/XX/XXXX Balance : {$140.00} ( TU and XXXX ) XXXX XXXX XXXX - XXXX  XXXX XXXX/XXXX  - Opened XX/XX/XXXX Bal : {$100.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$620.00} There many unauthorized inquiries that reporting that I was not aware of : XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX  ( 6 TIMES ) XXXX  XXXX ( 2 TIMES ) XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( 2 TIMES )
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX 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

Solomon and Solomon pc account paid and closed as of XX/XX/2017. Asked for a letter of closure never recieved it. It is still showing up in my credit report as a collection debt, negative reporting. They have not yet taken it down or sent me a letter that the account is paid in full and closed. Need to take action to take it down, they are refusing to take action. This is causing conflict in employment and carrer advancement along with rental and credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion complete the investigation to find they only updated more errors and deleted accurate account information from my current credit report. The investigation result sent i found to not have corrected the error of inaccurate and incomplete reported account information but only to find that they allowed XXXX XXXX to update the account information by deleting a portion or altering the current credit report form to not include the information i formally request in the prior dispute complaint, and did not provide the information update as complete. The purpose of the dispute was to get the missing data for me to see the fullness and complete and accurate detailed account information, but I have yet to receive this vital account detail information from the furnisher XXXXXXXX XXXX Transunion allowed XXXXXXXX XXXX to change the current credit report form and not provide the information I request in the prior dispute complaint. Plus adding false information and deleting current vital detail account information from this account. Even after previously, this information was updated to be verified and updated as accurate and complete. Transunion did not investigate but only allowed this furnisher to update more errors to my credit file instead of fixing the error and making the reported information complete. I ask in the previous dispute to fix or delete the entire account if it can't provide the missing data and make the report accurate.
Product: Debt collection

I am currently attempting to purchase a home. Upon review of my credit report my loan officer contacted me informing me of a charge from XXXX that had been sent to a collection agency ( enhanced recovery ). To the best of my knowledge I have never had a contract with XXXX. I stopped by a local XXXX store to see if i could get more information on the account. The manager of the store assisted me by entering my social and drivers license numbers. He informed me that there was an account that had been sent to collections with my social but the names did not match up, the name that he was showing was XXXX XXXX. Afterwards I contacted the collection agency ( enhanced recovery ). I told the representative the situation and he was asking was there anyone with the information needed to take out an account in my name. I responded yes and he said that he would start a fraud investigation. My loan officer contacted me on XXXX/XXXX/2015 and informed me that enhanced recovery had determined the account listed under my name was mine because the name and social on the account matched mine.
Product: Checking or savings account

XX/XX/2023 claim amount {$2700.00} claim # XXXX of unauthorized debit card transaction claim denied by Bank of America. XX/XX/2023 claim amount {$1300.00} claim # XXXX of unauthorized debit card transaction claim denied by Bank of America. I have contacted Bank of America numerous times regarding the unauthorized debit card transactions listed above but the bank has denied my claims and refused to provide documents of support. Im the victim of the ( theft ) unauthorized debit card electronic funds transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX Michigan # XXXX, XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

-The following Accounts : -Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following inquiries as it is hurting me and my family. Also, the only name that should be showing up my credit profile is XXXX XXXX, and not XXXX XXXX XXXX. I made a typo on my previous Cover letter so I'm resending it with the corrected information and attached my ID, SSC, and bank statement to identify myself.
Product: Checking or savings account

More than a week ago, I requested, by filing IRA distribution form, synchrony bank to transfer the total amount, on the maturity date ( XXXX ), for IRA account No. XXXX, to my synchrony high yield savings account XXXX. 
I informed, more than four times, I need money from the account to pay my bills, including Medical bills, synchrony bank to put the total money on the morning of XX/XX/year> to my above account XXXX. 
Even at XXXX XXXX, my money, which I need very badly, XXXX synchrony bank has NOT deposited the above money, for at least {$1300.00}, in my above account XXXXthis is nothing but an illegal ACT intentionally Committed by synchrony bank so that I will not be able to pay my bills, as stated above, ON TIME. 
You people at consumer protection bureau must know that this XXXX, XXXX, synchrony bank is far worst than XXXX XXXXXXXX XXXX. Still you people do not take any action against this corrupt and XXXX bank. 
Please HELP me. Thank you.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$53000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$8000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

When I was first contacted by the collection company I responded within the 30 days to verify the debt I also asked to stop the phone calls that were repeat it every day seven or eight times a day. After they received the notice I did not receive validation to show that they owned the debt. The repeatedly called using different numbers and when I answered they would hang up. Under the fair debt collection practices act what they have done is harassment and this is why I am filing a complaint. Also after sending them a debt validation letter they did not remove anything from my credit report.