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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian updated a collection on my credit report as being verified without doing a proper validation investigation. Information obtained from XXXX XXXX collection agency did not include pertinent information to verify that I owe a debt for the original creditor XXXX XXXX. I sent certified letters to both the collection agency and Experian requesting the following information : Agreement with your client that grants you the authority to collect on this alleged debt. 

Agreement that bears the wet signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. 

Name and address of alleged creditor. 

Name on file of alleged debtor. 

Alleged account number. 

Address on file for alleged debtor. 

Amount of alleged debt. 

Date this alleged debt became payable. 

Date of original charge off or delinquency. 

Verification that this debt was assigned or sold to collector. 

Complete accounting of alleged debt. 

Commission for debt collector if collection efforts are successful. 

This is a request for validation made pursuant to the Fair Debt Collection Practices Act. I expect you to respond by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. 

I have not received any responses in regards to this debt and demand immediate deletion from my credit report. At this point, I am being violated pursuant to federal law as a protected consumer.
Product: Debt collection

This dispute is about an account opened on XX/XX/year> by Oliphant USA LLC. with balance amount of {$9000.00}. I reported it to the credit agencies as identity theft. Unfortunately, I have not contact with the original creator or this collection agency. They have been reporting this to the credit agencies and that action has affected my credit profile. They need to show real evidence about this debt or remove the collection report ASAP.
Product: Mortgage

On XX/XX/2012 we mailed a payment of {$2900.00} to Provident Funding, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The monthly mortgage payment is {$990.00}. We marked the additional amount of {$2000.00} to be put towards the principal. The company made an extra month 's payment of {$990.00} and only {$1000.00} to the principal. We have talked to them but to no avail. We have not missed any payments and do not know why they did this. So since this date the amount that should have been put to the principal has cost us interest. They do not want to rectify their mistake.
Product: Vehicle loan or lease

Two y ears ago I was contacted by a attorney 's office for the SUV that I was financing 2 years ago I sent the SUV back to the financing company because the SUV was not in working condition the financing Company Auctioned the SUV I do not know how much was the difference I owe from auctioning the SUV I did subm it three paym ents to the attorney 's office on good faith 2 years ago I stop submitting payment two years ago because I am unable to pay the {$50.00} each month I did not tell the attorney office I am currently a social security recipient I receive Social Security benefits monthly because of good faith of what I owe Do to my financial income and  XXXX  recipients I am unable to pay what I owe
Product: Vehicle loan or lease

TD Auto Finance Account # XXXX XXXX XXXX XXXX XXXX Contract Date : XX/XX/XXXX Payoff : {$20000.00} Contacted TD over my issue with two XXXX houses and the problem they can't fix which is my engine. The engine is not working at all and TD Auto will stop the payments. The vehicle might be towed from XXXX XXXX XXXX in XXXX, TX. I want money back the vehicle but they seem to not want to assist in the matter. My credit is awesome and I pay my monthly dues. 

XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX
Product: Debt collection

I am being sued by XXXX XXXX for nonpayment of a student loan when I attend during covid the school was shut down wasnt allowed to finish
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with some one about a Debt that they are Reporting from National Credit Adjuster the debt is from XXXX XXXX Date is XX/XX/2017 the XXXX is XXXX I want the Original Account with my Signature
Product: Credit card or prepaid card

Had an online car rental reservation from XX/XX/XXXX to XX/XX/XXXX for a total of {$180.00} which was paid in full on XX/XX/2018. Attached is a copy of the reservation with terms of agreement.

The rental company put another charge of {$220.00} on my credit card ( XXXX CitiVisa card ) in XX/XX/XXXX/XX/XX/XXXX without explanation. Subsequently filed a dispute on that charge with CitiVisa and they repeatedly made resolution not in my favor for the reason that the card was presented for a charge but can not provide written documentation that I authorized that charge. It was explained to CitiVisa that the present of the card was at the airport when the vehicle was picked up and was told it was for a security deposit hold for the car.There was no mention of that {$220.00} charge at any point until it shown up on my account. If that alleged charge has been part of the rental price, why wasn't that amount reflected upfront when the reservation was made. To me, this charge is a fraud and/or security breach of the use of my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax won't allow me to freeze my account. I went online the week of XX/XX/XXXX to create an account on their site so that I would be able to freeze the account. They said they couldn't verify my identity and they would mail me a pin so I could log in. On XX/XX/XXXX I received the pin by mail and went online to complete the freeze. The site said I have to call them. 

OnXX/XX/XXXX I was on the phone with them and tried to get a login and/or freeze my account but they are saying they can not do it because they do not have sufficient information about me. The reason being that I never took out a loan -- this is exactly the reason I am trying to freeze my account, because I want to protect my credit score. But they insist that they won't help me unless I fax them a letter, including a copy of my social security number and my passport. I had to speak to 3 different people and get bounced around 4 times on the phone. 

The other two credit bureaus allowed me to place a freeze in a matter of 3 minutes. I refuse to share such sensitive information with a fax number, the receiving end of which I don't know, and which offers ZERO security. Equifax is discriminating against individuals with flawless credit, thereby opening them up to further fraud threat.
Product: Debt collection

Ive never heard of this company that is reporting debt on my credit report. I do not have any signed documents with this company and never have received any documentation from them.
Product: Debt collection

A company from phone number XXXX called my place of work twice and is harassing my employers threatening to serve me papers at my place of work. They have not contacted me personally by mail or by my personal number. My boss has threatened to fire me over this. I do not know how they got my number at work. They say I owe them from a credit card I had in 2007 that was stolen from me. It was an attempted car jacking and my wallet was stolen along with my keys and all my credit cards. I do not appreciate being threatened at my place of employment and having my employers threaten my job over this. They lied about being a law firm as well.
Product: Student loan

Navient never sent me bills via mail nor email. I finally contacted them after I noticed my credit score took a dive. I was under the impression that I was on forbearance. Once I placed the call to get it straightened out, they took my address, email address, and phone number claiming they had no information, only my name. How could I possibly get a loan without at least a physical address? They also told me that they would correct my account. Today I looked at my credit report and it took another nose dive because Navient made another report saying I haven't been paying. This company is destroying my credit.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX, I am out a lot of money, {$34000.00} was taken in by the scam from someone. 
Please help me out! I don't know what to do I'm so desperate and disappointed Please Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to furnish INCORRECT name on Credit Report. I have provided Utility bills as well as driving license that the only name I have gone by is XXXX XXXX ( XXXX ) XXXX. Experian will not correct this issue that is hurting my REPORT. ONLY address to have on file is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked after improperly protecting their security data, potentially exposing me to identity theft, and putting me on notice for the rest of my entire life that none of my personal information is secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XX/XX/XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$18000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX ND XXXX XXXX XXXX XXXX ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX - XXXX PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$18000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XX/XX/XXXX Months Company sold - Original creditor - Comments Account previously in dispute - investigation complete, reported by data furnisher Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address po box XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VI
OLATION!

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 und 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 consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

I was chargerd {$180.00} by a company called XXXX on my credit karma savings account that I did not authorize at all. So I ordered a new debit card.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction with the results of my second attempt to correct the late open accounts and remove charge off accounts from my credit report. Despite my previous efforts, I have observed that the inaccuracies persist, negatively impacting my creditworthiness. 

I initially brought these issues to your attention and I have since submitted the required documentation and evidence to support my dispute. I understand that the credit reporting process can be complex, but I am disappointed to find that the inaccuracies on my credit report have not been rectified in a timely manner. 

The late open accounts and charge off accounts on my credit report are inaccuracies that are affecting my ability to secure favorable financing terms and interest rates. I have attached copies of the previous correspondence, dispute letters, and the supporting documentation submitted during my initial and subsequent disputes for your reference. 

I kindly request that you conduct a thorough investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. It is my understanding, based on the Fair Credit Reporting Act ( FCRA ), that accurate and up-to-date information is crucial for the fair evaluation of consumers ' creditworthiness. 

I would appreciate your prompt attention to this matter, as I believe in the importance of maintaining accurate credit reports. Please notify me of the results of your investigation and any actions taken to correct the inaccuracies on my credit report. I am asking for your assistance to correct these late open accounts and remove the charge off accounts in my credit file : 1. XXXX XXXX XXXX Balance : {$1500.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

2. XXXX XXXX XXXX XXXXXXXX Balance : {$37000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

3. XXXX XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

4. XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

5. XXXX XXXX Balance : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting

Denied credit from XXXX. Called XXXX was told MISSING credit info from XXXX. Ordered Equifax credit report and all info missing from XXXX to present BLANK nothing. Applied for XXXX card died reason missing credit information. Called Equfax could do nothing but send me the report. sent me report and ALL INFO MISSING from XXXX to present. Disputed online 2 more times. No Response from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter on XX/XX/XXXX and was sent to Experian credit bureau to remove ( personal information, address, accounts & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Date XXXX XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts continue to appear on my credit report despite my previous disputes. I filed an FTC Identity Theft Report ( # XXXX ) and submitted disputes to the credit bureaus. As a result, some fraudulent accounts were removed, but XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX XXXX XXXX XXXX  remain, despite clear evidence that I did not open them. Additionally, there are fraudulent inquiries associated with these accounts. 

Under FCRA XXXX ( XXXX XXXX XXXXXXXX ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. By keeping these unauthorized accounts on my file, the bureaus are violating my rights under federal law and causing me financial and emotional distress. I am a college student, and this fraudulent activity is severely impacting my ability to build and maintain good credit. 

Furthermore, I am requesting a Method of Verification ( MOV ) under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these bureaus claim the accounts are valid, they must provide documented evidence of how they verified the accounts as belonging to me, including original applications with my signature. If they can not provide this, they are legally obligated to delete them. 

The following fraudulent accounts remain on my credit report and were not opened, authorized, or initiated by me : - XXXX XXXX Account # XXXX, opened XX/XX/year>, balance {$730.00} XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX  ) Account # XXXX, opened XX/XX/year>, balance {$6800.00} - XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, opened XX/XX/year>, balance {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My last apartment i rented the slum lord lied i neber even gpt evicted but its on my rental history report. Want to dispute it and get my record cleared
Product: Bank account or service

Wells Fargo Bank employees or employers took {$96000.00} from my bank account on the  same day I made a withdrawal at the bank. I have proof of this fraudulent activity. This had to be an inside job stealing from customers. The signature of the withdrawal slip does not match my handwriting. I noticed the deduction of {$96000.00} from my account when I checked my balance. I contacted the bank. Filed a report with the bank about the missing money. But as of today, I have not recieved my money. An unauthorized transaction was made on my account and the bank did nothing about it.
Product: Credit card

I have been an American Express business cardholder member since XXXX. Both my personal name and business name appear on the card. I used the Amex to make XXXX recent transactions to my business via XXXX. The first transaction {$3000.00} was placed on XXXX XXXX, 2017 and the 2nd transaction of {$5000.00} was placed on XXXX XXXX, 2017. On the evening of XXXX XXXX, I received an email stating " Notice of Account Cancellation ''. I spoke to an Account Rep at Amex and was informed that this was done automatically through a computer for suspicious activity and that the account is 'Closed ' and there is 'No Way ' to reopen, with no remedy offered for reactivation. There was never an attempt to contact me via phone, text or email - prior to cancellation! There was not a denial of charges, charges went through and therefore, I was unaware of ANY issues, regarding these transactions. The aforementioned charges now appear on my Amex for repayment. How can they be an illegitimate charge and I/my company still be required to pay them? And, if legitimate, how could this warrant American Express to cancel '?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : {$260000.00}
Product: Debt collection

I keep getting text messages from a company called " Shepherd Outsourcing '' saying that I owe money to XXXX XXXX XXXX and they can advise me on options of how to pay. They gave a URL of XXXX and phone number of XXXX. When I checked online it came up as a likely scam. So I checked with my local hospital ( XXXX XXXX XXXX XXXX, XXXX XXXX AZ ) and was advised that all my bills have been paid and the account closed since XXXX. I did not contact " XXXX XXXX '' and will block their texts now.
Product: Checking or savings account

On XX/XX/2024 i open a saving account with UFB Direct a product of AXOS BANK. On XX/XX/XXXX i scheduled an external transfer from XXXX XXXX into my UFB direct account using the UFB direct banking app. On XX/XX/scrub>XX/XX/2024 the funds were transferred and cleared. I thought everything was well and all and suddenly on XX/XX/XXXX at XXXX i received an email that Axos Bank has decided to end our banking relationship and has denied me access to my account. On the day of XX/XX/XXXX i called UFB direct to discuss that was the next step after getting my account closed down without notice and was told by the representative that my funds will be issued via check and send to the mail address in file with 7-10 business days. Now today is XX/XX/2024 well over 10 days and they still havent granted me access to my account nor have send my funds via check. I called today XXXX and after a frustrating conversation with the agent that couldnt help i get an email stating that it will be now 60days. Its outrageous that funds were taken out from my other account within a day and now i have to wait over 60days to retrieve my hard earned money.