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

I am filing a complaint due to errors and fraud on my credit file. I recently was hospitalized for XXXX XXXX XXXX I was out of commission for 6 months bed rest. Someone has been using my ID and SS for accounts and loans. I was looking into doing a refinance on my home when I discovered that I had my information compromised. I have never lived in XXXX GA in my life. My name is XXXX XXXX please delete any other spelling of my name. Please remove the following names they are not mine name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The following addresses are not mine:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, OH XXXX :
Product: Debt collection

I legitimately owed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, money from an old XXXX XXXX XXXX purchase. I was served paperwork notifying me of a attempt to seek Judgment against me. Upon receipt I immediately PAID THE DEBT IN FULL. The payment date was XX/XX/XXXX. I paid with two money orders 1. ) {$1000.00} - Money order number XXXX. Was sent to XXXX XXXX XXXX attorney on XX/XX/XXXX and cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 

XXXX. ) {$700.00} - Money order number XXXX. Was also sent to XXXX XXXX XXXX attorney and was cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 

Those payments would have paid the account in FULL> Yet they continued to report to the credit agencies that the money was due and as of XX/XX/XXXX they STILL are reporting the funds due. 

Secondly they went to XXXX County Court and sought a Judgment against me, that Judgment was granted on XX/XX/XXXX. They claimed that I did not answer their complaint, another false statement as I answered the complaint and I PAID IN FULL prior to the date they state that I became in default. According to the Judgment I went into default on XX/XX/XXXX. I had paid in full on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report.XXXX XXXX  Unsecured loan with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXX loan with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX  XXXX XXXX Unsecured loan with account # XXXX XXXX  XXXX XXXX Installment sales contract with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX Auto Loan with account # XXXX XXXX XXXX XXXX credit card with account # XXXX XXXX XXXX XXXX Auto Lease with account # XXXX XXXX Telecommunications/Cellular with account # XXXX XXXX Credit Card with account # XXXX XXXX XXXX  Credit Card with account # XXXX XXXX XXXX  XXXX Credit Card with account XXXX XXXX XXXX XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " 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 states, " The term " CREDIT CARD '' means any card, plate, coupon book or other 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. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15chapter 41 I request that you review this information and make the necessary corrections to my credit report.Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

After investigation of my credit reports from multiple credit bureaus, I noticed that a collection debt should not have been showing on two of my credit reports with Experian and XXXX. I filed a dispute with both bureaus regarding a said debt from XXXX XXXX XXXX in the amount of {$1300.00}. A debt that was dismissed in a civil action in the Magistrate court of XXXX XXXX, Georgia ( Case File # XXXX ). The debt was agreed to be removed from all credit bureaus. I received a dispute completion from XXXX stating that the item had been deleted from my credit report ; however, Experian Credit Bureau states after their investigation ( Report # XXXX ) the account was 'verified and accurate '. I provided both bureaus with a copy of the court documentation showing the 'dismissal with prejudice ' and further documentation. This is not the first encounter I have had wherein Experian refuses to fully investigate and show proper bipartisan prejudice regarding the consumer vs. debt collector. I wish to have this debt collection by XXXX XXXX XXXX removed from my credit report by Experian immediately as this is damaging to my efforts to rebuild my credit.
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 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 XXXX 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: Credit reporting or other personal consumer reports

This report is against EXPERIAN CREDIT REPORTING AGENCY back in XX/XX/XXXX i noticed a negative reported account from XXXX XXXX XXXX XXXX as a charge off that said i opened an account with them back in XX/XX/XXXX and that it closed with a negative balance in XXXX. i filed a dIspute claiming identity theft with all three OF THE MAJOR REPORTING AGENCIES, experian, XXXX, and XXXX XXXX. i first submitted an identity theft report with my local police department, then with the CFPB. I included the identity theft reports, a letter stating i had no knowledge of this account, i in no way benefited or received any compensation in any way from the account, and i demanding they block the information within 4 business days, i also submitted proof of identity, proof of address, and a copy of my credit report identifying the incorrect data. only XXXX XXXX blocked the negative information. i contacted the XXXX XXXX, they sent me the application and the proof of identity the person used to open the account. it was clear that the person in the id was in no way me. all they had to do was compare the driver license i submitted to prove my identity, with the identity that the person used to open the account in my name and it is obvious its not me. XXXX XXXX obviously did this simple investigation, as they removed the negative derogatory info immediately from my credit file. experian did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to  complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In relations to complaint number XXXX that I submitted on XX/XX/XXXX, I received an email from CFPB on XX/XX/XXXX stating, " this complaint lists someone the company does not recognize as their customer or their customer 's authorized representative. '' But Experian, you sent me an email on XX/XX/XXXX at XXXX stating that you all are still working on my dispute that I submitted on XX/XX/XXXX ( please see attachments ). I knew the account I disputed on XX/XX/XXXX was closed because you ( Experian ) claim it came back verified as accurately ( please see attachment ). That made me check my Experian account which is when I discovered that XXXX has now been re-opened after you ( Experian ) saw my complaint on XX/XX/XXXX. 

This concludes that you definitely recognize me as a customer and is blatantly avoiding fixing the errors on my credit report. So, how is it that you recognize me as a customer for XXXX but totally ignore the same complaint for a different account with XXXX XXXX XXXX XXXX?
Product: Vehicle loan or lease

This was my first car lease in life, I worked really hard to pay on time and had my goal set to pay my car off in a timely manner with financial plans thought of a year in advance. US Auto changed this for me, I went from a history of on time payment for 4 year 's to US Auto disappearing and no one to pay for 4 months, I had my pay off money at this time from a small settlement and they were nowhere to be found. Months later a new leasing by the name of Westlake Portfolio calls me stating I owe much more than the previous leasing company that turned my world upside down. After turning my life around and being proud of what I thought was an accomplishment of mine turned out to be me caught in a financial struggle for the remaining time I see myself having my car, someone somewhere added XXXX dollars to my loan without any written or verbal consent, this really made me look at my new life goals and accomplishments completely different. How can a company do this to someone. Now I am going to get my car reppossed by a company that I am not even sure is legit. All these past years of my hard work being stolen by a company that no longer exists. What will I have to show for now? They should be responsible to fully refunded my money for voiding my contract. What can be done about this?
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or 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: Checking or savings account

On XX/XX/XXXX unauthorized funds of XXXX dollars were taken out of my checking account. I notified Citibank of these transactions, resulting in me filling out two affidavits, and the results of them denying my funds back. I am in the process of flying an appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to follow up the previous CFPB complaint I submitted requesting that you remove the fraudulent accounts and information I found on my Credit File. I was a victim of Identity Theft anf the items I am disputing were the results of the crime. I did not authorized the disputed accounts neither did I allowed anyone to open such accounts on my behalf. Under the Fair Credit Reporting Act section 605b, I am requesting that you remove the following accounts and information off from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have read enough to understand my consumer rights under the Federal Law, Fair Credit Reporting Act. By submitting this CFPB Complaint, I am hoping that you will comply with the law and completely delete the disputed accounts and information off from my Credit File as soon as possible.
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. 

Account name : XXXX XXXX XXXX, Account name : 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 a 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: Credit reporting

Attempted to collect wrong amount. I never had the services for the above said amount {$73.00} from XXXX XXXX XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me It was removed from collection, again inserted. 
Because of this my credit score has been drastically gone down. Please help me asap.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed an initial dispute with XXXX regarding an inaccurate debt on my credit report. The creditor is listed as Eastern Account Services. The company responded by modifying the amount from {$350.00} to {$350.00} but did not provide any supporting documentation. 

On XX/XX/year>, I filed another dispute with XXXX and also submitted a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, requesting validation of the debt. XXXX ruled in favor of the company, but no proof of the debt was provided. The XXXX  case has remained open for over 30 days with no resolution. 

On XX/XX/year>, I filed a dispute with XXXX, including new evidence from the BBB investigation. In their response to the BBB, XXXX referred to me as " XXXX XXXX '' twice regarding delinquency, but when they referred to me by my actual name, " XXXX XXXX, '' they stated that my account was active and in good standing. This raises serious concerns about their ability to accurately maintain records and calls into question whether this debt is even mine. 

As a result of this inaccurate reporting, I have faced adverse financial consequences. I am actively seeking funding for a large housing project, and this unverified negative item has directly impacted my ability to secure approval, putting the entire project at risk. 

Both Eastern Account Services and XXXX have failed to provide proper verification of this debt despite multiple disputes. I am requesting its removal from my credit report due to lack of validation, incorrect information associated with the account, and the companys failure to maintain accurate records. ''
Product: Debt collection

I had my Bank of America debit card information skimmed and I filed for fraud with my bank on XX/XX/2018. They gave me temporary credit of {$1200.00} while the claim was being investigated on XX/XX/2018. They later contacted me on XX/XX/2018 to tell me the accredited amount had been adjusted to {$11000.00} because some of the purchase were valid, which is true because I mistakenly add those purchase and before this called Bank of America to notify them which the operator barely acknowledge my concern about mistakenly adding them so I am unsure if they even received that information. On XX/XX/2018 they contacted me for the last time saying that the claim has been resolved and that they are unable to pay and took the money back on XX/XX/2018. I did not have enough money to pay them back and now they are attempting to collect a debt that I do not owe because I was never liable for those purchases.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry that was fraudulently made by citizen bank that I did authorize. Neither the bank nor XXXX are Will to fix this problem. Please help.
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. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX Scheduled payment amount reported by EQUIFAX and XXXX is incorrect and according to FCRA should be corrected and updated. I have documented proof but EQUIFAX and XXXX will not allow me to upload the documents online. Equifax and XXXX is stating that my monthly scheduled payment is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payment and EQUIFAX and XXXX refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving XXXX AND EQUIFAX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at EQUIFAX and XXXX even though they used to show the correct amount on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times with transunion and XXXX XXXX XXXX.XXXX XXXX XXXX, XXXX, ok XXXX. 
act # XXXX- {$1100.00} act # XXXX- {$240.00} i have asked for signed contracts with my signature with this collection agency proving i had a contract with them. Ive requested transunion to show me proof of this info they say they verified. 
I would like both of the above accounts removed from my credit report. 
MY DISPUTER REASON ; NO CONTRACT CONTRACT CANCELLED