23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX. Open XX/XX/year> for the amount of {$700.00}. They have reported to the credit bureaus and it's showing as a negative mark on my report. I haven't received any information that proves that this is mine. Also 15 USC 1692 ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Product: Credit reporting

I first Disputed item " XXXX XXXX XXXX Partial Acct # XXXX '' on my Experian report in XXXX XXXX, and it came back verified. I disputed again on XXXX XXXX, XXXX, and once again it came back verified. 
Please see attached signed XXXX certified mail letter from the President of the alleged Original Creditor, XXXX XXXX at XXXX, stating neither they nor their XXXX XXXX XXXX XXXX have any record of me or this alleged account. 
Attached is also proof that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are the same company. 
Under the laws of the FDCPA, I also have contacted " XXXX XXXX XXXX '' to request validation, and they have failed to respond to my request, so they can not have verified this account with Experian. 
I am not sure what more proof they want aside from a signed letter from the President of the Company, at this point they are willfully and negligently misreporting. 
Please find all relevant documents and Certified Mail receipts attached. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
Product: Credit card or prepaid card

Goldman Sachs/Apple Card suspended my account and locked me out of it for reasons unknown. This has been going on for weeks. When I contact them they say my account is under review and someone will reach out to me. I've never missed a payment and rarely even use the card. 

Since my account is locked I have no access to my account at all, not via the Apple " Wallet '' portal they make you access your account from, nor online. I can not see if purchases are being made or when my payment is due, nor can I make a payment on the account. 

I don't know when my payment due date is or if I'm going delinquent on the account, I may have been assessed late charges already but do not know as I can not access my account at all. 

This is a terrible consumer business practice and will cause many consumers financial harm in the form of late charges, possible over limit fees, and potential delinquency on credit reports. And, Apple/Goldman is making more interest on the account since I can not make payments at this time since they locked me out.
Product: Debt collection

I checked my credit report and was astounded to see that I have a debt in collections. Ive paid all my bills on time and dont have a balance. Ive never had business with XXXX XXXX XXXX whatsoever. I do not recall ever signing up with any of their programs or phone plans. I suspect that my ex husband is behind this. He has a history of using my information and opening several credit card accounts and abusing them. Ive paid all of the debt hes put on my credit lines, but XXXX is not my debt to carry. It is a result of identity theft.
Product: Credit card

The date the account opened was XX/XX/XXXX for a credit limit of {$250.00}. it's not showing any payment history. My last payment on this account was XX/XX/XXXX, XXXX from XX/XX/XXXX until current the account has been reporting " Charge off '' 70 months for the amount of {$550.00} there is not phone number or contact information. The company name is XXXX.
Product: Credit reporting or other personal consumer reports

nquiries be blocked and deleted from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$57.00} XXXX. XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$110.00} XXXX. BANKRUPTCY Account : XXXX Date : XX/XX/XXXX Amount : {$0.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXXI - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Mitsubishi motors is reporting an account that is a paid charge-off that is NOT MINE to XXXX. It is someone with a similar name not me. I called Mitsubish several times and they advised it was not my account but that I needed to dispute it with the credit bureaus.

I informed them they were the ones reporting the mistake and they needed to fix it and they were very rude and told me to send them something in writing. I faxed a letter to Mitsubishi on XX/XX/XXXX stating the account number and it was not my account. I also faxed a letter to XXXX on XX/XX/XXXX with the information and they initialed a dispute with Mitsubishi and it came back that Mitsubishi VERIFIED the item! I called Mitsubishi on XX/XX/XXXX and they advised the account was not mine and notified XXXX on XX/XX/XXXX electronically that this account was not mine. I then called XXXX on the same day XX/XX/XXXX and they stated the Mitsubishi verified the item as accurate and placed yet another dispute for the item not being mine.

This has caused me many hours of frustration and financial hardship as I am being denied loans because of this error! The account number is XXXX and it is someone with a similar name. My social is XXXX and dob XX/XX/XXXX.

I need this account removed from being reported to XXXX as it is not my account! Mitsubishi has advised that it is not mine but they are still verifying the item as accurate with the credit bureaus and telling me on the phone they are notifying the bureaus it is not mine! Please fix this!
Product: Credit reporting or other personal consumer reports

XXXX  Revolving account with account # XXXX opened on XX/XX/year> and a balance of {$970.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Credit card or prepaid card

Their are were fraud charges in my XXXX XXXX store credit card which Citibank manages Im a loyal customer for years and my wallet was stolen and my card was used without my knowledge consent I called them their fraud dept said they wish to send me a new card but they cant because its against their bank policy this is ridiculous they said XXXX closed my account due to non payment but I never used the card to make these purchases they said they wish to have this reversed but they cant since they were unaware of these charges being fraud they closed my account for it being delinquent and now want me to reapply this is not fair
Product: Vehicle loan or lease

I filled a report last XXXX because this car dealership sold me a lemon car had many problems after I had 3 months with it the shop screwed me over and sold me a car that had multiple problems and lobel finance company finances this car and they keep contacting me about this when the car already got repossessed I let it go. I dont u destined why they keep contacting about owing money on a car I let go and they XXXX XXXX XXXX  for.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I asked the credit Bureaus to do a reinvestigation into this XXXXXXXX XXXX XXXX account and if it wasn't 100 % accurate and verifiable, I asked for this account to be deleted from my credit report. I requested that XXXX close my account around XXXX XXXX XXXX XXXX XXXX I believe. The comment by XXXXXXXX XXXX on my credit reports now read closed at consumer 's request with XXXX late payments on XXXX. However, even though this account is closed, they continue to report new late payments and activity when that is inaccurate if this account is closed. This is a direct violation of the FCRA. I also previously asked for valid proof showing when all payments were received into the account at XXXXXXXX XXXX and if it couldn't be provided, I requested that the account be removed from my credit reports.
Product: Checking or savings account

On  XXXX   XXXX ,   XXXX  ,  Bank of America  allowed a check with my name and my  XXXX  former roommates names on it to be cashed without an endorsement from any of us.
Product: Checking or savings account

I have been trying to unlock my account to use my funds, I get my direct deposit from my job, it's been XXXX weeks I'm on the verge of being homeless and relapsing it has been 10 business days please help me I have a case reference number that I filed with citi executive unit Citi Reference Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally reached out to the company Lexis Nexis on XX/XX/21 as a consumer i was concerned about how they are able to report my private personal information to people without ever having my consent. They told me that they got my information from a site called PACER and then sent my information to the three credit bureaus which is damaging my reputation, my credit and causing me stress. How can they expose my private information to all these companies without my permission, or ever even notifying me that they were selling my private information. I asked them to remove my information and they told me NO bc it is public information. There is no way that a personal private matter like mine can be in the public for anyone to see. I asked the courts if they shared my information with anyone and they stated NO. Lexis Nexis has viloated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEIRXXXX/BELK ETC.. ARE 14 FRAUDULENT HARD PULLS FROM SYHRONB=XXXX XXXX ON XXXX ONLY.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts marked ( * ) from THESE LENDERS NEED DELETIONS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize these lenders and I don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act , I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use NOTE... I understand that under 15 U.S.C. Sec. 1681 1 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

are all unauthorized an have no Permissible written consent nor did I benefit off of any of these transactions XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX15 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 XXXX15 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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- ( XXXX ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific XXXX is instead inaccurate ..... 

NOTE ... FTC REPORT ATTACHED... 

Thank you for your time and help in this matter. 

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

I do not consent to XXXX  verification and want an actual living human being to read this complaint. I will have my marked-up consumer report attach below in reference to my federal consumer rights being violated by the XXXX XXXX XXXX XXXX reporting . Every circled furnishing attached below is a violation to my federal consumer rights and each furnishing violates the Privacy Act of 1974, 15 USC 681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n, 15 USC 1681a, PHI, and HIPAA. My invoice for actual damages and violations will be attached also. Also, attached will be a Transunion proof of removal for me filing complaint due to my federal consumer rights being violated.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Against Experian Failure to Update Personal Information and Credit Report To Whom It May Concern : I am writing to formally file a complaint against Experian for its failure to update my personal information and credit report, despite repeated requests over the past XXXX  days. I have contacted Experian multiple times to request the removal of my old address ( XXXX XXXX XXXX, XXXX XXXX, XXXX  ) and to have my current address ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX  ) added to my credit file. These requests have been ignored, and no action has been taken to correct the discrepancies, which constitutes a clear violation of consumer protection laws. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, mandate
s that credit reporting agencies maintain accurate and complete information. Experian 's continued failure to update my personal information within a reasonable time frame is a blatant violation of FCRA 's requirement that credit bureaus promptly correct inaccuracies upon notification. The law specifically obligates credit reporting agencies to investigate disputes and make necessary corrections within 30 days. The 93 days that have elapsed since my initial request far exceed this legal timeframe. 

Furthermore, the Consumer Financial Protection Bureau 's guidelines emphasize that consumers have the right to dispute incomplete or inaccurate information on their credit report. Despite this, I have received no communication from Experian confirming the update of my address or indicating that the matter is under investigation. I have attached my most current credit report and credit score, which clearly show that my address has not been updated and that the report does not reflect recent, accurate information. 

I am requesting immediate action to resolve this issue. Experian must remove my old address ( XXXX XXXX XXXX, XXXX XXXX, XXXX  ) and add my current address ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX  ) to my credit file. Additionally, all other relevant information in my credit report must be reviewed for accuracy. If Experian fails to address this matter promptly, I will pursue legal remedies under the FCRA, including filing a lawsuit for damages due to negligent non-compliance. 

I expect confirmation of the corrections within 15 days of receipt of this letter. If Experian continues to fail in fulfilling its legal obligations, I will escalate the situation by filing a formal complaint with the Federal Trade Commission ( FTC ), pursuing legal action, and seeking further assistance from the Consumer Financial Protection Bureau to ensure compliance with federal law. 

Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution.
Product: Debt collection

I have 2 accounts with Comenity Capital bank. One is for XXXX XXXX and the other is for XXXX  XXXX I have paid off both collections. I was advised by the collection agency XXXX XXXX  that the accounts would be updated and removed rom my report. They have not been updated by either party. The original party or collection agency. I have reached out to both parties and nothing has been done.
Product: Credit reporting or other personal consumer reports

The LAST REPORT date has been inconsistently updated. On XXXX, the date last active is XX/XX/XXXX. On Experian, the date last active is it's XX/XX/XXXX. On XXXX it's XX/XX/XXXX. The LAST ACTIVE date has been inconsistently updated. On XXXX, the date last active is XX/XX/XXXX. On Experian, the date last active is it's XX/XX/XXXX. On XXXX it's XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Repeatedly reporting updates every month or each time the account is inquired about, the statute of limitations is extended, every update makes the account look newer than it is. Re-aging the account is illegal. Please delete these accounts from my report : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX
Product: Checking or savings account

I collect unemployment from XXXX. From XX/XX/XXXX to XX/XX/XXXX my US Bank ReliaCard was compromised for over {$12000.00} I contacted the bank and they opened a fraud investigation in XX/XX/XXXX I didnt get a results back until XX/XX/XXXX and they said they denied it I re-opened it up and they denied it again on XX/XX/XXXX I submitted paperwork stating every transaction that was fraud from XXXX to XX/XX/XXXX that sent me a print out of all my transactions and asked me to outline them and explain which was for fraud and so I did they credited my card {$1400.00} from them from the charges from the month of XX/XX/XXXX you can look at my charges and its very clear that they are fraud its the same companies over and over again making multiple multiple transactions I called today XX/XX/XXXX and talk to the supervisor in the fraud department at XXXX ReliaCard and she informed me that they had found that my case was not fraud I would not lie about this I can go to federal prison I feel like Im being totally cheated out of money because they dont wan na pay me I dont know what to do I have followed all the proper steps Ive submitted all the proper paperwork and I also called 13 vendors that were on my print out which is not even a fourth of them and they told me they did not know why I was calling them because that was not my job but they did look and tell me that they had no paperwork from US Bank ReliaCard stating anything about me so how can I find that my case is fraud if they didnt even investigate it. This is been a year now been fighting this and I still get the same answer they dont see any fraud in it but they havent even investigated it is just called me financial burden XXXX  XXXX  and major XXXX  now if you can give me back {$1400.00} for the month of XXXX which is not all the charges obviously this is a fraud on my account I have called and reported every time I transactions with you that I did not authorize please help me I need my money this is absolutely ridiculous I dont wan na have to pay a federal lawyer I know one but he charges over {$500.00} an hour and I dont have the money to do it so please help me my name is XXXX XXXX my XXXX XXXX is XXXX or XXXX please help me I need your help the number to U.S. Bank ReliaCard XXXX XXXX
Product: Credit reporting or other personal consumer reports

HI. This complains is for wrong reporting from Equifax customer service, on XX/XX/year> I did the complains about 2 fraudulent inquiries from XXXX XXXX AND XXXX XXXX XXXXXXXX FROM CFPB complaint number XXXX Equifax removed those inquiries from my report and they did mistake, and they did dispute my old XXXX  XXXX open account as a fraudulent application account and reported to XXXX  XXXX. After XXXX week I check my credit report my XXXX  XXXX account was removed from XXXX XXXX and XXXX XXXX of today the XXXX XXXX reported that account as a close account and they close my old account because of Equifax did wrong dispute to XXXX XXXX. now I called the XXXX  XXXX to reopen the account. they asking we need proof of letter which Equifax did wrong dispute on your XXXX XXXX account ending XXXX to reopen the account. I call the Equifax to resolve this problem, but they don't respond to my complaint this is very important for me because it's my old accent and its close now and my score dropping from XXXX to XXXX. I attached all documents from XXXX  XXXX and FTC report which I explain it fraudulent inquires not any accounts. I need any proof of letter send to XXXX  XXXX to they know this is mistake from Equifax and this XXXX  XXXX account is not fraudulent account.