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

This account I already have a CFPB dispute opened which is XXXX XXXXXXXX XXXX XXXX Account Number XXXX  XXXX XXXX  {$32000.00} continues wrongfully report inaccurate information. Not only they are reporting to credit bureaus wrong but they adding another company XXXX XXXX Its showing that this account opened and I missed a payments but how this is possible if its charges off. Plus the dispute is still being investigated. So again I do not recognize the account the way its reporting to all three major credit agencies XXXX, XXXX, & TransUnion it does not meet the fair credit reporting act regulations. The payment status, the payment history, the past due balance, current balance, date opened, date last active,, the date of first delinquency are not correct and in some instances they are completely missing. How is this accurate reporting? I am demanding for this to be removed and reflect it in the proper picture on my credit report worthiness. All three major credit bureaus are supposed to protect my information pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information currently I made multiple disputes with all three credit agencies regarding this account. My rights as a consumer are being violated under multiple laws 15 U.S. Code 1666b Timing of payments 15 U.S. Code 1681i ( 5 ) removal of inaccurate/ invalidated credit information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681e - Compliance procedures removed this account immediately off my report. PS this is more proof that my information is getting share without my permission and its inaccurate information. Now I feel like I am being targeted by this company because of my race and that I disputed something that is not right on credit profile they continue to break my rights please can this be removed permanently off all reporting agencies including TransUnion, XXXX, XXXX, & XXXX XXXX. Someone needs to be handled responsible for this careless, irresponsible, & racism act.
Product: Credit reporting

I have noticed there are XXXX new accounts reported from XXXX/XXXX/2016 ; XXXX XXXX, XXXX, and XXXX. If there are more than one credit card issued to me from each of these companies, then someone has stolen my identity. If there are only one account for each of these companies, these accounts have been opened and already reported for over 12 months, maybe even 18 months. Reporting them as new looks like I have applied for credit- which I have not done in over one year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to XXXX  and Experian that I have been a possible victim of Identity thief. I have recently pulled a copy of my credit report and notice multiple unauthorized inquiries on my report. I have contacted XXXX and Experian notifying the private company of the unauthorized inquiries. The company responded with inquiries are factual which is not true. I have asked XXXX to produce documents of such proof of inquiries in which the Company has not responded with such proof. I am demanding that XXXX  remove the unauthorized inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Trans Union Credit report states that the XXXX XXXX XXXX XXXX collection account was opened on XX/XX/XXXX of XXXX with a high balance of {$930.00}. This information is correct although I thought it would be covered by insurance but I am not disputing that much. 
The reason I am contacting you today and what I find is most troubling is that my credit report fraudulently is being reported as having a payment made in XXXX of XXXX. I have never made any payments to them. This deceit effects the date that the debt is removed from my credit report. They have also reduced the balance owed by {$690.00}. I have paid XXXX dollars to them. 
I want this account removed from my credit report or documentation of when payments were made, who made the payments & a full accounting of the account. How the balance went from {$930.00} to {$240.00}. 

Trans Union continues to report it incorrectly. 
Previous disputes to Trans Union for this account were completed XX/XX/XXXX, but failed to correct the report. Report number XXXX I have attached screen prints of my Trans Union File number XXXX that shows the account. Currently it is the only collection account in my TU credit file. They may have changed the account number. Old account number is XXXX & current account number is XXXX. 
This was a medical bill. I have attached a copy I obtained in XX/XX/XXXX from the original creditor, XXXX XXXX XXXX XXXX. 
Please investigate why Trans Union will not fix or remove information that is not accurate for this account. 
Once again, I have not made any payments at all on this collection account.
Product: Checking or savings account

On XX/XX/XXXX, a fraudulent check was cashed on my checking account with SunTrust Bank. I called the Fraud Department at the bank. They froze the account and directed me to a local branch. I went to the branch office. They transferred the remaining money in my checking account to a new checking account. They indicated to me that the investigation could take up to 15 working days. 
Today is now XX/XX/XXXX, and the bank continues to tell me that their investigation is ongoing. They never call to give me an update on the investigation. I am being treated as the criminal here. 
The amount of the check was {$6500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were Unknown - XXXX and XXXX XXXX XXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/XXXX, I requested several times via Bank of America Privacy Assist Representatives and Supervisors to receive my credit scores from XX/XX/XXXX. These are the most recent credit scores following my cancellation of the Privacy Assist during XXXXXX/XX/XXXXXXXX. 

I have been told by privacy assist officials that they can no longer access my membership history because such history has been archived. However, I am writing to file a formal complaint to request the most recent credit scores that were sent to me by privacy assist during the month of XX/XX/XXXX. 

I was a member of privacy assist from XX/XX/XXXX to XX/XX/XXXX. I feel it is my right to have access to information and documents that were provided to me during my membership period, of which I paid {$12.00} per month. 

Additionally, I have learned that a lawsuit was filed against privacy assist for false advertisement and refusal to grant membership for the first 30 days of membership. It is my understanding that this lawsuit was settled back in XXXX. I would like to know if I am eligible to receive a fund for my privacy assist services for which I was billed from XX/XX/XXXX to the end of XXXX, the time frame of the lawsuit. I have called numerous times the telephone number that was give to me by a CFPB representative, but I have been unable reach someone about this matter. I would be most appreciative if someone could help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries need to be removed from my account. Please remove inquires on my account and reflect no inquiry on my account. 

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

This is my numerous 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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account neither is or ever was an account of mine. I am requesting that I get this removed from my credit report. Clearly there was no single payment made and as a result my credit has been damaged. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XX/XX/2020
Product: Money transfer, virtual currency, or money service

In XXXX, 2023 my account was closed with no explanation. Ive tried monthly since then to understand why. Each time Ive reached out Ive been told that they didnt have answers and that my complaint was being escalated yet its nearly XXXX XXXX  later and my account still remains closed with no explanation.
Product: Vehicle loan or lease

It was Good for XXXX XXXX months then all of a sudden we get a bill notice of non-payment and notice of default and it's like every XXXX XXXX  now that we're getting this when it's coming out of XXXX  bank account but on their end it's supposedly being reversed and they're constantly hitting XXXX  with a XXXX  fee and they said that they gave XXXX a payment arrangement to where we would pay it off but all of a sudden we're in default and it's still showing that you know we're not doing XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated an updated copy of my credit report, I realized that some of the information were erroneous. The XXXX credit bureaus are required to authenticate these accounts under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts listed below : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Please carefully read the following. 
Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. That is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ).

I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. The following accounts I demand to have removed U.S. Bankruptcy Court XXXX. 

I never gave EXPERIAN any written consent to report anything on my consumer report, No consent is Identity Theft. XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : 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 dont ever recall giving you EXPERIAN any consent to furnish anything on my credit report nor did you ask for permission as you are required, im aware that i can opt of of your agency which has violated my rights but pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Experian allowing these inaccuracies to be furnished on my consumer report it has caused me major financial distress and has caused me to lose my confidence in the banking system. This has been an invasion of my individual privacy. If EXPERIAN wants to continue doing business with me, They should delete these inaccurate accounts off my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX # XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX forward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the 3 time I have requested my personal info be updated. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. XXXX payments were made the month XX/XX/year>. XXXX on XX/XX/year> and the other on XX/XX/year> for the entire balance. However payment, didnt post to my credit card until XX/XX/year>, causing the 30 day late. Please see attached highlighted payment history from my XXXX bank transaction list.
Product: Debt collection

JPMCB card - XXXX XXXX doesnt states because I saw it on my hard inquiry. 
XXXX XXXX XXXX - {$180.00} XXXX XXXX When I checked my credit, there was a different social that did not belong to me.

I also called the bank to JPMCB to notify them my experience and when they went to look for my information it was not on file, they suggested that I called the bereau. When I called them, they helped me out and fix the situation and will take 2-3 days to take the collection off my hard inquiry. As for the other company, they also helped me and disputed it.
Product: Credit reporting

Freeman fiance XXXX collection agency XXXX from XXXX not XXXX incorrect reporting info and balance on my report for years!! 
Keep reporting info that was settled XXXX loan was paid off XXXX dollars the XXXX loan is obsolete due to the collection rep from freeman came to my home to collect payment after I went to the office to pay on time by check for {$50.00} dollars but was refused!! 

The other case was XXXX ... third party pymt co in XXXX ga XXXX XXXX I bought a XXXX XXXX XXXX paid it off then they called me for a trade but the location was at a different location small, house XXXX XXXX males I went to the main lot lack of trust another salesman found me a XXXX XXXX truck after I signed for it the paperwork was diff from what I got in the mail XXXX on the truck pymt were higher XXXX mo plus the truck had mechanical issues the rep said the parts are rusted in site at that point XXXX REFUSED TO GIVE ME BACK MY XXXX ... this was not only a violation by theft and misleading but a Robbery!
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted 3 complaints each detailed fraudlent inquiries on my credit report on XXXX, equifax and XXXX it hasbeen more than 30 days they have not responded with proof that these were ligitmate inquiries. I requested that they be removed and as of this complaint they still have not been removed. As a result I have been unable to secure a loan and/or other extensions of credit.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act. 15 U.S.C. 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. 
Equifax, XXXX nor XXXX sent any verifiable documentation as requested. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a part of a liquidification plan with Chase on my Chase Slate and Amazon card, I made an arrangement months ago to make a payment on {$84.00} a month for the Chase Slate card and {$46.00} a month on the Amazon card. I made on time payments through auto-pay for every payment then got an email this month saying my account was overdue. The Chase representative and website set my checking account would be auto drafted those amounts until the card was paid of in 2024. When I saw that I got an email saying my payment was late, I called Chase and was on the phone with them for hours, disconnected all for them to tell me they " don't know what when wrong. '' I told them what their representative told me about the auto pay and they refused to listen to me. I lost my job before my job now which caused me to go on this liquidfication plan, but now despite me making a payment plan with them, they reported both of my counts delinquent which brought down my credit score 56 points when I worked so hard getting it up the past year. I told the representative I would  pay that day but they refused to take it off my credit report if though it is their system and representative error. I have to move into an apartment soon and due to the 56 point drop I had overnight because of this horrible company 's issue, I am not going to get approved now. I paid off several of my credit cards the past year and this has set me back significantly when I worked so hard to improve my life and credit. I need them to take this off my credit report immediately because it was their fault that they told me they would auto-draft from my account until 2024 and then just suddenly stopped the auto-pay without informing me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting receivable management 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My quality of life is being drastically diminished because XXXX XXXX XXXX illegally bought my information from a company that I did not give my consent to furnish or sell my information which in violation of 12 USC 1431 ( identity theft ) they also violated law 15USC 1682 BY DISCLOSING MY PERSONAL INFORMATION WITHOUT MY CONSENT TO THIRD PARTIES.. I AM AWARE OF MY RIGHTS UNDER THE LAW AND THESE AND THE PROVISIONS IT PROVIDES TO ME TO EXERCISE MY RIGHTS AS TO THE CIVIL LIABILITY THESE COMPANIES FACE MY INTENTIONALLY BREAKING THESE LAWS REGARDING MYSELF OVER THE LAST SEVERAL YEARS. THEAE VIOLATIONS ARE NOT UNDER FCRA COMPLIANCE. THESE COMPANIES HAVE ALSO FAILED TO VALIDATE ANY CLAIMS MADE AGAINST ME SET FORTH BY THE FCRA AS TO THE VALIDATION OF INACCURATE INFORMATION .THIS INNACRUATE REPORTING NEEDS TO BE DELETED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THESE INACCURATE INFORMATION HAS BEEN DELETED/ REMOVED FROM MY REPORT.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/year> but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX
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 XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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