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

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$500.00}
Product: Debt collection

I hired Proficio Financial Services of XXXX XXXX to collect a judgment in XXXX of last year with the agreement that they would maintain consistent communication with me. After not hearing from them and they not responding to messages I fired them in XXXX and took action as a XXXX XXXX XXXX. In my work ( XXXX XXXXXXXX XXXX ) I attempted to contact the debtors liability insurance carrier at which time I discovered that Proficio was still trying to collect the debt, had actually collected money from the debtor, and had failed to contact me or send me any of the money collected. 

I contacted Proficio and was told by an employee that they were in fact attempting to collect on the debt and the debtor had made 2 payments. I contacted the owner and was initially told the debtor had blocked their number. When I told him I had evidence that they were still trying to collect on a debt that I had fired them from and I was aware that they had been paid, I was told the debtor had made one payment and that it was my fault that I " lost '' the check. When I emphasized that I was aware of multiple payments the owner told me I was wrong. I told him to stop working on collecting the debt and to send my money. 

I have evidence that 2 payments were made and that the only reason I got any money from Proficio was because they got caught. There is an old adage in the investigative field that says ; If you catch them one time there is most likely 10 times they got away with it. I can not guarantee that they have stopped attempting to collect this debt. I contacted the debtor to let him know not to send any more money to Proficio.
Product: Credit card or prepaid card

Dear Representative, First of all the statement that Citi sends does not show amount remaining on any balance transfer offers which in my opinion is deceiving. Anyway Citi sent me a statement for the billing period XX/XX/XXXX - XX/XX/XXXX with a balance of {$1500.00} owed ( statement evidence enclosed ). This is the total outstanding on my part including my balance transfer offer XXXX, then I make a payment of {$100.00} onXX/XX/XXXX and another payment of {$1500.00} on XX/XX/XXXX totaling to {$1600.00} ( statement evidence enclosed ). Essentially the last statement outstanding balance was fully paid i.e. including the balance transfer. So now after two months what happened is that in the latest statement ending XX/XX/XXXX I noticed interest was charged to my balance transfer offer XXXX. On inquiring I was told that I still owe {$270.00} under balance transfer XXXX. I dont understand how is there an outstanding balance now?? This is just very deceptive because Citi sends me a statement showing {$1500.00} I owe and I pay {$1600.00} against it and now after 2 months my balance transfer offer XXXX still shows that I owe. This is totally ridiculous!! I have been going back and forth with them without any solution. I need your help in getting this sorted out please! Best Regards, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year XXXX, I contacted my mortgage company planet home lending about a forebearance program they were giving clients at the time. I signed up for the months of XXXX, XXXX, XXXX and XXXX of XXXX and I sold my house in XXXX of XXXX, paying off the forbearance program on time and also my full mortgage loan. I then caught up on all my finances after a few months and went about to reapply for another home loan since rates were low. I was turned down telling me I had late payments for the months of XXXX, XXXX, XXXX and XXXX from the forebearance time. I called them on XXXX XXXX and they told me they would immediately take action to resolve this issue and remove false information. Well it is XXXX XXXX and they have not resolved this matter, what makes matters worse my credit report also has the month of XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX marked as being late on payments. Again I sold my house on XX/XX/XXXX and all those prior months listed on my credit report that are false and in accurate information from planet home lending. This is preventing me from getting a home!
Product: Vehicle loan or lease

Credit acceptance has a very distasteful way of doing business. After the pay off they include they silently included the XXXX XXXX on the pay off amount. They have yet to send me the original title and now Im stuck with a vehicle that isnt running and nothing from them to help. I cant even get the title from them. DMV ny tells me to reach out them bc they havent released the title and then credit acceptance tells me that NY is a title holding state and they need to send the title instead of them. There is not clear direction and all Im trying to do is cut my losses and sell this car. 

Do not do business with credit acceptance. They are professional scam artist and will take your money and silently make deals that can hurt you in the end.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting negative item on my consumer file without consent from me. I am requesting to remove this negative information from my report immediately this is DEFAMATION OF CHARACTER.
Product: Debt collection

I received 2 personal loans in XX/XX/XXXX from Navy Federal Credit union. The last payment made to those two accounts was in XX/XX/XXXX. The accounts were charged-off. On XX/XX/XXXX, I called to set-up a payment arrangement with them. They agreed to a payment plan with me, however, they refuse to provide any documentation stating the agreement we have. They stated I needed to make three payments and then they can send a letter if I request it. I am not comfortable making {$900.00} worth of payments without something in writing showing what we agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax blatantly violate my rights by reporting erroneous scores which cost me to be denied for various credit products including my first mortgage. 

I WAS AFFECTED BY THIS ERROR 15 usc 1681 a 3 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

Equifax did not assume their legal vital role to evaluate and assemble the correct information to process a report on my consumer report. 

15 usc 1681 a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

EQUIFAX WAS NOT FAIR NOR IMPARTIAL IN THEIR REPORTING AND DID NOT EXECERISE THEIR GRAVE responsibility to respect my privacy 15 usc 1681b ( 2 ) PERMISSIBLE PURPOSE U NEVER HAD A PERMISSIBLE PURPOSE I NEVER INSTRUCTED YOU TO FURNISH THIS REPORT OR CREATE THIS AND I NEVER CONSENTED THIS REPORT IN THE FIRST PLACE
Product: Credit reporting or other personal consumer reports

There are accounts reporting that do not belong to me. I have asked these companies to provide me with documentation and their response is that they can't provide it. So my question is if you can't provide me with proof, then how are you reporting this inaccurate information without proof.The following accounts do not belong to me 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 XXXXl : {$5700.00} Please investigate this matter thoroughly and remove this from my account.
Product: Checking or savings account

i have been in correspondence with bank of america for about a month and a half now trying to resolve this matter. I have been a victim of identity theft and bank of america continues to hold me accountable for fraudulent transactions that occurred with my checking account ending in XXXX. I will be attaching my ftc identity theft affidavit that i filled. To my understanding their are federal laws in place for banks to protect consumers funds that are in their bank account. Bank of america is willingly ignoring the laws that are in place for consumers they have sent me a letter stating that the transactions where authorized but they wouldn't respond to my letter when i asked how where they authorized by me they could not show any proof like i requested to determine the transactions where authorized by me. As i explained to XXXX a boa representative with the internet today nobody 's information is safe it's to easy to access peoples information these days and it's alot of identity theft going on i do not want to be held accountable for something i haven't benefited from thank you.
Product: Credit reporting or other personal consumer reports

Re : Identity Theft Recovery To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already recorded to " XXXX XXXX XXXX ''. I have enclosed a copy of my government ID, social security card and affidavit of identity for verification.
Product: Credit reporting or other personal consumer reports

Experian I had noticed was debiting my checking account for XXXX months with a recurring charge in the amount of {$27.00}. This occurred from XX/XX/XXXX - XX/XX/XXXX. I told the representative that I had a XXXX Basic membership. I didn't understand why I was being debited these recurring charges. He asked if anyone had access to my debit card. I told him no. He asked me if I knew of a person named XXXX XXXX. I said yes that is my mother. He then proceeds to tell me that my mother was using my credit card. That this was her account. I explained that my mother is XXXX XXXX XXXX and is in a XXXXXXXX XXXX. There is no way she has access to my card. I am her caregiver. The representative said that there wasn't anything I could do because it was past XXXX months. I would have to reach out to my bank to issue a dispute. They would only this time refund me the {$27.00} that was debited from my account in XXXX. They issued a fraud alert on my mother 's basic free account with Experian. I had created this account for her to check if there were any fraudulent charges. In the past there have been attempts by scammers trying to solicit information about my mother. I checked that account and it had my debit card listed under payment account information. I had purchased a credit score report for the XXXX agencies ( Experian, XXXX, and XXXX ). As well as a free credit report for her. I contacted my bank and filed a dispute. They reversed XXXX of the charges from Experian. They conducted an investigation. To my dismay the bank reverses the charges that was paid to me. Stating that there wasn't anything they could do. I would appreciate any assistance in rectifying this issue. I do have proof that I had a free membership with Experian. I also have an e-mail from Experian from XXXX where I had cancelled the paid membership. It was downgraded to a XXXX Basic membership. I would appreciate your assistance in matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX Balance : {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been victim of ID theft, and therefor many accounts were opened under my name with out my knowledge, and my credit was XXXX beyond my imagination that such thing can really happen. 
i have tried to call the creditors and also the bureaus all three of them but XXXX and XXXX were a little helpful except equifax who is not trying to help what so ever, my life has changed beyond imagination. i hope no one would go through as i have gone during the last two years. i have research and found out that you would be able to help since you look after consumers and defend their rights. i will be attaching my police report and all the FTC reports that have been providing XXXX XXXX   and equifax. please have these fraud accounts removed from my credit file thank you and XXXX bless you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A collection agency under the name " Southern Management '' is reporting two incorrect " past due '' debts on my credit report. One debt is reported to my credit under account number # XXXX for {$730.00}. The second is being reported under account number # XXXX for the amount of {$3400.00}. 

These debts have been damaging my credit report for years and to date, this company has not been able to validate that these are even my accounts. My credit report indicates that the original creditor for the {$730.00} debt is an apartment community named " XXXX XXXX '' and the {$3400.00} debt is another apartment community named " XXXX XXXX  ''. I have personally contacted both of these apartment communities and they have no record of any debts owed for these amounts. 

Prior to reporting, I received no written notice that Southern Management were placing any debts on my credit report. In XXXX  and over the course of the year XXXX, I have been working with the credit bureaus to remove incorrect collection accounts from my credit for debts that can not be verified. Through direct disputes with the credit agencies, I have requested that Southern  Management provide proof of the debt that they claim I owe them. To date, I have not seen a single document provided to me by Southern Management, XXXX XXXX or XXXX XXXX showing any signed agreements validating that I owe them this money. 

In retaliation to my disputes, Southern Management continues to report these debts to my credit report and has aggressively increased their efforts to collect these debts. I was recently contacted by a former employer who told me that Southern Management Systems was searching for me to pay off this debt and seek legal action against me. I was told that they are now threatening to sue me to collect on this debt. I can not believe that this company has now gone so far to contact my former place of employment to collect on this debt. It is bewildering to me that this level of abuse can continue unregulated when they have not been able to provide a single document of proof showing this debt is valid. 

I have researched this company online and I have come across several scam stories reported by consumers where this collection company has been involved. The XXXX XXXX XXXX currently has a 100 % negative review rating and XXXX has countless stories of this company being involved in scam efforts. 

I refuse to continue to have my credit damaged, my good name smeared and my life ruined by this company.
Product: Debt collection

I recently received a letter from XXXX XXXX  stating that I owe a debt in the amount of {$390.00} for account # XXXX. Prior to this letter I never received an invoice from them. That would be because I did not have service from them. They followed that up with a letter from a collection company called EOS CCA stating that I owe {$260.00} for EOS account # XXXX and XXXX XXXX account XXXX. I do not owe either of these companies any debt and they should cease making threats to illegally extort money from me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have submitted a dispute to Experian for the account XXXX XXXX  I have disputed MANY times over the years. They have not once sent proof that this is my account. The other credit bureaus have removed this from my other credit reports but Experian refuses too and refuses to send me proof
Product: Debt collection

They leave messages telling me to call in re debt collection. I called them to find out what it was about ( the previous owner of my phone number incurred numerous debts ; I have had calls from collectors before ). They demanded my social security number in order to " reference my account ''. I naturally refused and told them " you called ME, so clearly you already know something about me with which you can look up my so-called account ''. They hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, I CHECKED MY CREDIT REPORT AND NOTICED UNAUTHORIZED FRAUDULENT INQUIRIES THAT I DID NOT GIVE CONSET TO. I AM DEMANDING THESE INQUIRIES BE REMOVED WITHIN 4 DAYS AS THEY ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C. 1681 section 604 A States I have rights to privacy. 15 U.S.C. 1681 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

These company just didnt an investigation and stated account was updated and nothing happened, these is just an unacceptable violating my rights over and over and yet i provide all the evidence to it, how can a charge off start been a charge off XXXX XXXX and XXXX XXXX it stops, these account is reporting XXXX negative months affecting credit report and hurting me in many ways, how these account still be reported if acccount last active, date of last payments are all incorrect in all these bureaus i need these account deleted. 

Account info Account name XXXX XXXX XXXX Account number XXXX