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

I investigated my credit report with all three credit agencies and reported the inaccuracies to them, but after the investigation was completed, it did not change the outcome. The inaccuracies are still on all three credit reports. 
After I did very thorough research myself, the information was not corrected after making several attempts to get the information corrected. All three credit agencies are reporting inaccuracies in my credit reports : The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq 602 A. The following accounts are completely inaccurate. 
XXXX XXXX XXXX Account Number XXXX : {$1200.00} XX/XX/XXXX & XXXX XXXX Never late. XXXX reporting agencies show I was never late. 
XXXX XXXX XXXX Account Number XXXX : {$6000.00} XX/XX/XXXX & XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX XXXX XXXXXXXX Account Number XXXX : {$5000.00} XX/XX/XXXX thru XX/XX/XXXX Never late. XXXX reporting agencies show I was never late. 
XXXX, Account XXXX XXXX : {$200.00} Never late. XXXX reporting agencies show I was never late. The company issued me a deletion letter and I forwarded it to all three credit agencies, but it was still not removed from my credit report. 
XXXXXXXX XXXX Account XXXX XXXX : {$16000.00} XX/XX/XXXX through XX/XX/XXXX paid in full. Never late. XXXX reporting agencies show I was never late. Collect letter removed it from XXXX credit agency, but not the other XXXX credit reporting agencies. 
XXXX Account number XXXX : {$3500.00} XX/XX/XXXX through XXXX XXXX account is closed and still reporting that I have an open account with them. 
XXXX Account number XXXX : {$3600.00} XX/XX/XXXX Never late. XXXX reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 

I have a right to privacy, and my rights have been violated., U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency unless the person has certified to the CRA the permissible purpose for which the report is being obtained, and certifies that the report will not be used for any other purpose.
Product: Mortgage

I have been transferred ( not by choice ), to fay servicing to service a mortgage on a home. I have been with them several years. In the very beginning a payment made to the last company was not forwarded to Fay servicing and had my account trailing 60 days. I have never been late but my credit shows this error. I have made numerous attempts to get them to correct it to credit reporting agencies and they never follow up. I recently received a grant and had a substantial amount paid and placed the account on auto draft. My account recently increased and they stated a escrow analysis increased it I asked for a copy to pay the difference to return my payment to the correct amount months ago and they ignore my request. Lastly while trying to get the analysis they representative offer to wave a months payment to the rear of the loan for COVID-19. My new statement showed two months due! I believe they try to create financial hardships to throw off or cause someone to fall behind. I called in a rude account manager after 2 hours on the phone lied and said someone will call me back to correct it and hung up in my face!! I paid the amount over the phone! I want my account corrected from the beginning of the loan and my current escrow analysis to pay any so called diffenency. A forensic analysis on the account would be great also.
Product: Debt collection

Debt collection failed to provide debt validation with in 30 days. CRA failed to removed alleged debt. Requested debt verification with debt buyer on XX/XX/2024, they have not responded with stall letter and no proof this account belongs to me Amount requested is {$550.00}. Account shows inaccurate balance According to FCRA section 605B it is illegal to report information on my credit report without my permission. Please remove this from my credit report, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Credit breach 161 fraudulent accounts were added to my credit file. The copied old accounts that were previously paid. For example I had one loan through chase, now I have 9 total loans that showed zero payments and the account has been closed. I made payments to that loan when I was in school and it was paid off before I even graduated. Now shows up as nine negative things on my credit statement and the original loan isnt even on there anymore. The number provided to XXXX XXXX XXXX   as the dad is the number to a XXXX XXXX XXXX. I have about 40 other debts to the Department of Education and I was city thats been close for 10 years. Im showing Student Loans on my account from when before I even started school. I am being sent fake mpns, and the Department of Education cant tell if these are fake and PMs because theyre not educated on what the identification number on the MPNs actually means, that arent even valid but still being registered through the department education as it being a valid debt. I havent been able to have a bank account or a credit card in over 10 years because of all this improper reporting on my credit. In 2015 I had my entire life savings account how old and taken from me to pay for this debt. My father has been contacted since he was the cosigner on one of the loans, he has paid over {$60000.00} to this company and I was city thats now shut down. I have paid over {$50000.00} to the company in XXXX XXXX thats now shut down. I had {$20000.00} seized out of my bank account and I dont know where this money was sent to. Someone needs to pay me back the money thats been taken because of all of this somebody needs to be held accountable and someone needs to pay me back and stop people from taking more money from me and allowed me to actually have a bank account as are all violations of my consumer rights they are violating son of Sam laws by trying to make a profit off of any of this and none of them should even be in business if they cant even contact me to let me know that my information was breached. I want my money reimbursed and I want these fraudulent credit reporting agencies to be shut down because they are not reporting anything close to accurate on anybodys credit report due to this bridge and they have no intention of fixing it or they would have by me submitting the five different times Ive tried dispute everything on my credit file and everything came back as not disputable because they were valid debts but yet only my name and a dead amount is on 3 % of the reports so I dont know how they contacted anybody if there wasnt even a name given
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are mistakes in my report, please verify or remove immediately :   XXXX   XXXX    XXXX  -  XXXX  > I do n't recognize this account   XXXX    XXXX  > I never paid late   XXXX     XXXX   XXXX  > I never paid late  XXXX   XXXX   XXXX   XXXX  > I never paid late
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, an inquiry was done using my social security number for a XXXX  credit card through either XXXX XXXX or Continental Finance. I didnt not authorize this. I have tried to contact both companies and they tell me to contact each other regarding this matter. The only think XXXX XXXX could tell me, was that the inquiry was for a XXXX credit card. I finally called XXXX, and they told me to contact the companies. I stated that I have already tried and didnt get anywhere. XXXX told me that there was one other option, and that was to submit a complaint through this website. Again, I have tried and tried to contact everyone and all I get is call this company and this company. Can someone please dispute this inquiry. Im trying to rebuild my credit and this is hurting me. I have not authorized anything for any credit card. I dont even know anything about or heard of either one of these companies, XXXX XXXX or Continental Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$450.00} ; XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these Inquiries has hurt my ability to obtain credit. Under the FCRA, unverified accounts or inquiries must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX Provide Physical Verificat regarding each inquiry that has been listed above Please remove all non-account holding inquiries over 30 days old.
Product: Credit reporting or other personal consumer reports

To : XXXX, XXXX XXXX and Equifax From : XXXX XXXX Re : all my XXXX disputed accounts with XXXX XXXX  ( XXXX  ) to reflect my {$0.00} balance without any negative permissible data due to my prevailing party status in litigation forever extinguishing all XXXX  disputed balances XX/XX/XXXX I write to dispute every XXXX of my XXXX credit accounts with XXXX  as XXXX  continues to report inaccurate balances and derogatory late, past due and other negative inaccurate data. My credit reports must report a {$0.00} balance without any derogatory data of any kind. I therefore dispute the balances on my credit reports which must be {$0.00}. 

Starting in XX/XX/XXXX, I filed XXXX arbitration cases with the XXXX XXXX XXXX as lawsuits were not permissible under the arbitration clauses. Subsequently, I filed XXXX more arbitration cases in XXXX with each of the XXXX cases describing statutory and punitive damages exceeding {>= $1,000,000} for FCRA, FDCPA and other statute violations. XXXX filed counterclaims against me for the amounts of its disputed balances in each of the cases. However, XXXX Voluntarily dismissed the counterclaims and filed multiple lawsuits against me in state courts on XX/XX/XXXX and XX/XX/XXXX for identical claims contained in the counterclaims. On XX/XX/XXXX and XX/XX/XXXX, XXXX voluntarily dismissed the lawsuits as evidenced from the attachments which can be authenticated in the online court public record. Under the two-dismissal rule of 15 U.S.C. 41 ( a ) ( 1 ) ( B ) if the plaintiff previously dismissed any federal- or state-court action based on or including the same claim, a notice of dismissal operates as an adjudication on the merits. Rule 41 ( a ) ( 1 ) is the shortest and surest route to abort a complaint when it is applicable. But this quick and ready tool may be used once, and only once, if clear consequences are to be avoided. A second notice of dismissal not only closes the file, it also closes the case with prejudice to the bringing of another. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. United States Court of Appeals XXXX XXXX. XX/XX/XXXX. 

Therefore, the second voluntary dismissals of actions closed the disputes forever with {$0.00} balances as XXXX can never bring another lawsuit nor report to credit reporting agencies balances exceeding {$0.00} or derogatory data of any kind. 

Accordingly, all my XXXX balances must be reported as {$0.00} without any derogatory data of any kind. 

Kindly process this dispute to correct the inaccurate balances as balances of {$0.00} are required due to outcomes of litigation.
Product: Credit reporting or other personal consumer reports

They did not provide the information on how they verified the information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$4400.00} on the XXXX XXXX   XXXX XXXX partial account number XXXX. ( Please see page 29 of the attached credit report. ) This account is over ( 7 ) years old from the of last activity and reporting this is a violation of the Fair Credit Report Act. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have been unsuccessful.
Product: Debt collection

Gordon, Aylworth & Tami, P.C., on behalf of XXXX XXXX XXXX XXXX sent me a summons and complaint that they were suing me for {$590.00} for a XXXX XXXX account I had never opened nor authorized. I did not ever receive any communications from XXXX XXXX, XXXX XXXX, or Gordon, Aylworth & Tami, P.C.,  and had no knowledge regarding the fraudulent account, until I was handed the summons at my door on XX/XX/XXXX. I filed an appearance and an answer to the complaint, denying that the debt is mine and that I was a victim of identity theft. According to the papers sent by the attorney, there is a statement of charges totaling approximately {$220.00}, which were not made by me. I have not received any documentation with my signature either, showing that I opened or authorized the alleged account with XXXX XXXX. I was only sent generic copies of papers from XXXX XXXX and papers from various firms, including XXXX XXXX, with a data file account blacked out, but nothing that specifically states or validates that they purchased an alleged account with my name, or were authorized to collect on alleged account. ( which they would have been fraudulently collecting on, since I did not open or authorize any account under my name! ) The account, per the documents I was sent, was opened in XX/XX/XXXX, and was closed in XX/XX/XXXX. In XX/XX/XXXX I was contacted by USPS and also had contact with the IRS, regarding someone attempting to change my address to an address in XXXX. As I had not known about nor heard about this debt, which is not mine, until a little under a month ago, I feel my rights as a consumer have been blatantly violated, because I had not received any prior communication or notification regarding the fraudulent debt from XXXX XXXX, or XXXX XXXX, until I received the summons at my door, that I was being sued, on XX/XX/XXXX. So, from XX/XX/XXXX to XX/XX/XXXX, I had no knowledge of the account, nor communication from the aforementioned companies, that would have enabled me to properly dispute the account and charges in a timely manner. Thank You for your time and attention to this matter. 

Respectfully, XXXX XXXX
Product: Credit card or prepaid card

This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, Experian and XXXX by way of XXXX Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 

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 U.S.C 6801-6802. Has Violated my rights. 1. Account Name : XXXX XXXX  / Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 6. Account Name : XXXX/ Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights.
Product: Credit reporting or other personal consumer reports

Incorrect missed payment in the month of XXXXXXXX XXXX
Product: Debt collection

this company calls me several times a day. At least 4 or 5 times and leaves several messages. I thought they were only allowed to leave one message per day? This is getting on my nerves.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 - I went to a pizza restaurant called XXXX XXXX XXXX XXXX XXXX, located in downtown XXXX, Massachusetts. My total was {$11.00} and I tipped {$1.00} at the cashier. 

XX/XX/19 - After my pizza transaction posted, I noticed that the amount was for {$110000.00}. It appeared that the pizza cashier had fraudulently entered the pre-tip and post-tip transaction amounts as one amount. This was greater than my ~ {$32000.00} credit limit with my XXXX credit card. I called the merchant and they were shocked. They immediately processed a return. I then called XXXX and explained to them what happened. The agent let me know that they could see the return and that it would process soon. 

XX/XX/19 - My billing cycle ended before the return was processed. My outstanding balance totaled XXXX {$110000.00}. This was many times greater than my credit limit, yet XXXX still allowed this transaction to process. 

XX/XX/19 - The return from the merchant was processed. My outstanding balance returned to the appropriate amount. 

XX/XX/19 - I checked my credit score using the XXXX XXXX XXXX app and the XXXX XXXX XXXX tool. Both showed a credit score in the high 500s. This is 200+ points LOWER than my credit score had previously been. I called XXXX to report this and they asked me to call back the following day when the credit specialists would be available to take a call. 

XX/XX/19 - I called back and the credit specialist said that they would send an overnight letter to the credit bureaus detailing my updated outstanding balance. I am not certain that this will " make me whole '' in terms of my credit profile, as there may be historical components to credit score calculations and the erroneous $ XXXX transaction is not being expunged from my record entirely. Instead, XXXX is just updating the current balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing 5 fraudulent accounts from my credit file, for which are reporting on my equifax credit reportings, i have started disputing these inaccuracies and fraud accounts since XXXX of last year ( XX/XX/XXXX ), but so far equifax has not been able to remove these fraud accounts from my credit file. i have submitted a police report several times and not only that has not help, they have given me so much stressful life and living, i am not able to even rent a car let alone buying one, my life has stopped and has been the most stressful and depressed life someone could have. please you are my only hope to resolve this issue with equifax and this disaster of mine. 
i had resolved my XXXX and XXXX  issues with in 6 months, but equifax has been giving me trouble and a very difficult time. 
i called XX/XX/XXXX equifax for the last time, and they still were not able to help me and literately XXXX me and my life. 
i hope in the name of XXXX that this complaint would being me justice and resolve my credit issues, unfortunately as you all know credit here is the most important subject even more important than apiece of bread. let alone being a fraud victim and caring all these inaccuracies on your shoulders.
Product: Payday loan, title loan, personal loan, or advance loan

My social security number and other personal information was exposed due to a data breach. Reference 15 USC 1681 right to privacy.
Product: Debt collection

I received a call at first from XXXX stating he needed my address so he can deliver documents he gave me a number of XXXX which they state they are central services. Found out they are trying to collect on a loan from XXXX into which I never took a loan out on in XXXX 2012. PLus they are past the statue of limitation for this. I never received a deposit from anyone other than my employer and they said if they do n't comply they will file criminal charges against me.