23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My ex-partner used me, my social security number and legal name to commit XXXX fraudXXXX XXXX through his business, and he opened 2 business credit card, maxed it out, without my consent or acknowledgement. He opened, used and maxed out two personal credit cards under my name and social. All of the above statements were for his own personal and financial gain for himself and business. This individual grifted me for two years, took advantage of me and battered my legal name and social ; leaving me in crippling IRS tax debt and overwhelming credit card debt. I was in a relationship with this individual for two years from XXXX to XXXX. The business name was under XXXX XXXX XXXX and XXXX XXXX XXXX. The steps I have taken are calling companies and reporting fraud/identity theft and disputing them through XXXX XXXX or XXXX Credit Bureau XXXX To which no further action as came about calling and reporting the fraud or through disputes with the bureaus. 

American Express XXXX at {$32000.00} American Express XXXX at {$1200.00} XXXX  XXXX Business at roughly {$3900.00} XXXX XXXX Personal at roughly {$1200.00} XXXX XXXX at roughly {$400000.00} or more.
Product: Credit reporting

XXXX is reporting erroneous on my credit reportsequifax and XXXX. XXXX states that I have a account and pass due8 months. the service address is XXXX XXXX XXXX XXXX XXXX, ny XXXXthis is not my account, i have never lived thereand I want it removedi have lived at XXXX XXXX XXXX, ny XXXX for the past 20 years ...
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I have Attached supporting Documentation Below.
Product: Debt collection

This debt was acquired by a individual who I was going to move with, so we filled out the forms for the apartment and he gave a deposit check/ by the way his name is on that account only, not only that the apartment application was denied because of debts on his credit not mine soooooo I don ; t understand why they think they cn naow put this on my report when i was not denied the apartment as well as i did not give them the check so how the XXXX is this legal?
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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 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

Experian has launched a investigation on the same creditor many many times and keeps getting it wrong. theres duplicate accounts one is right and one is always wrong. the first account from XXXX XXXX XXXX XXXX depicts the information paid and closed. The second shows it was included in a bankruptcy and was late in 2015. after the Bankruptcy was over and it was paid in full. please help me this has been going on for 2 years with no end in site. its  experians responsibility to report information correct and i do n't believe they are.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$3700.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I mailed out XXXX to inform them the account information listed as a charge off for Account number XXXX, I informed them this account was paid off and that there should not be a statement for written off ** {$620.00} balance, this has been paid off XXXX and XXXX XXXX updated their records in the system, XXXX has not updated there records removing this record I have informed them twice that the data is incorrect and also I have sent over documentation stating this is inaccurate so this information should be deleted from my credit profile. 

XX/XX/year> I reached out to experian to update this information XX/XX/year> I reached out with records stating this account was satisfied and should be removed due to inaccurate data, this credit bureau has failed to give correct information. 

I would like this reinvestigated and removed from my credit report.
Product: Checking or savings account

Hello, Im here to make another complaint on a fraudulent bank account opened under my identity. Its causing major problems with my active bank account that I opened, XXXX XXXX XXXX XXXX. This is completely insane. Never was i a consumer of US Bank. This matter needs to be investigated.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

They put lien on my home when they revive the amount is less there I had to pay I pay double.
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 rights to privacy and confidentiality under 15 U.S.C 1681. 


Account name : XXXX XXXX # XXXX has violated my rights. 
Account name XXXX XXXX XXXX XXXX, has violated my rights. 
Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX  # XXXX, has violated my rights. 
Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXXXXXX # XXXX, has violated my rights. 
Account name : XXXX  # XXXX, has violated my rights. 
Account name : XXXX  XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX AUTO # XXXX, has violated my rights. 
Account name XXXX XXXX  # XXXX, has violated my rights. 
Account name : 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 1681 c. ( 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 the records of conviction of crimes which dates the report by more than seven years.

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

I have paid off the account with XXXX XXXX on XX/XX/XXXX. I am purchasing a house and will have my credit pulled again in the next 30 days. I need this collection account removed from my credit report and to NOT appear again ... I was told that it will not be removed for another 30/45 days. This is unacceptable Please remove ASAP
Product: Credit card

Dear Sir or madam : This contest is about unapproved credit transaction in XXXX, XXXX on Wells Fargo Cash Visa card. I traveled to XXXX between XX/XX/XXXX and XX/XX/XXXX, during my stay in I have rented vehicle from XXXXXXXX XXXX XXXX. The rental fee paid by Wells Fargo Visa card. After returning the rental vehicle to the agency, I received another invoice from the XXXX agency regarding traffic violation. I have not been pulled aside by XXXX traffic police during my car rental period or received any actual traffic violation ticket. I have requested the car rental XXXX agency a copy or picture of the ticket violation from XXXX traffic police to accept the violation traffic fine invoice, But the agency did not show any document from XXXX police, just stated that they have paid my traffic fine and I am liable to {$110.00} and, they stated that they dont have to get an actual proof or document in regard to traffic ticket violation. I have contested the charges to Wells Fargo credit company and asked them all I need a copy of traffic violation from merchant for proof, but Wells Fargo after over 2 months wait and constant phone calls for update, Wells Fargo failed to obtain the copy of the traffic violation from merchant as I request as only the evidence to proof the fine invoice and they restated the charges into my account. Wells Fargo stated based on the agreement contract that Im liable to pay whatever charges without any supporting document or evidence which I did not find such details at contract agreement. 
I hope you can address the issue with Well Fargo, customer should not be liable for any man-made charges without supporting evidence. 
The Claim number with Wells Fargo is XXXX, Disputing amount is {$110.00}. 
File Date is XXXX. 
I have included links for XXXX police to obtain ticket or plate number on case, but no info shown. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing an unrecognized collections listed on my credit report. Due to the recent issues with XXXX as well as my information being exposed in a data breach. I am also writing to dispute and request the removal of derogatory accounts ( listed below ) from my credit report under 15 U.S.C. 1681c-2. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, it must be removed from my report as per 15 U.S.C. 1681e ( b ). Additionally, under the Fair Debt Collection Practices. Act ( FDCPA ), 15 U.S.C. 1692g, I request validation of the debt. If you are unable to validate, the account must be deleted from my credit report immediately. From all Bureau/ credit reporting agencies
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, aresidential leases was signed. 

On XX/XX/XXXX, I provided expressed and written notice that the lease will not be renewed given the monthly rental rate increase. As a result, the lease was fulfilled and a month-to-month agreement was created. 

On XX/XX/XXXX, I moved out of the subject housing unit at the agreed upon date leaving the apartment cleaned and in normal wear and tear condition. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, notified me that there was a rental balance owed of {$2000.00}. I responded shortly after receiving this email that the alleged debt was not accurate, there would be legal action taken if this file was reported to the actual Credit Reporting Agencies ( given there are reporting agencies that handle residential leases and tenant history ) and choosing to post this account would cause financial losses. 

Between XX/XX/XXXX and when I moved out of the leased apartment, I received no correspondence, demands, court filings, service, letters, notification of any amounts owed, evidencing their claim, etc. 

Prior to and after vacating the unit, there were no notification of damages to the unit, charges that would be paid from the security deposit, monies owed, balances for rent due, opportunity to cure, etc. 

XXXX XXXX, Defendant decided to put this fraudulent and none credit account, on my credit report. 

Since XX/XX/XXXX, Plaintiff has been unable to access credit or conduct business, suffered profit losses and faced financial discrimination - due to this inaccurate consumer credit account. 

To date, no debt verification, validation or proof that a debt is owed has been received. Yet, the Account remains posted on XXXX and Experian after I forwarded proof of payment. 

Its without question, if the Company had not acted in fraud, negligence, retaliation, and unjustly - I would have not suffered monetary damages in the form of credit denials from business lenders that use personal Credit Reporting Agencies to determine funding. Since the Company 's actions, I have been unable to refinance or purchase any properties given the drop in credit score directly affecting commercial transactions, business performance and economic opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lets start off with account is a court ordered discharged XXXX XXXX account that was officially discharged in XXXX. Company ( XXXX XXXX ) was officially notified by the United States Bankruptcy Court of the discharge injunction. 

XXXX XXXX has intentionally ignored and has no regard for an legal court order injunction. XXXX XXXX has no regards for consumer rights and has continued illegally and actively continued reporting the discharged account under many different status, such as account status closed, account type, open account, In collections/charge off, Account status derogatory, with a past due amount of {$1200.00} then states, account open again ( just on XXXX ) XXXX XXXX is lying , noting " verified as accurate '' claiming THEY investigated the information I disputed. Which by the way, my multiple disputes were actually NOT properly investigated at all. Maybe they couldnt access accurate account information because the account is SUPPOSED to be protected by the XXXX  XXXX bankruptcy DISCHARGE injunction. And this is why LEGALLY NO BANKRUPTCY accounts should be allowed to remain on ANY credit report! TO PREVENT INTENTIONAL FRAUDULENT UNFAIR CREDIT REPORTING! By allowing discharged accounts to remain on a consumers credit report creates a lot of problems and does not give the consumer their rights under FCRA and bankruptcy laws, a complete full clean slate that they are legally entitled to.

Allowing discharged accounts to remain on a consumers credit report allows these company to fraudulently alter account information ( as you will see in my evidence ) so that it is different from the LEGAL court documents. And all of you agencies are FULLY aware of whats going on. But VERY little is done about it. Its very obvious your goals are to keep consumer ratings, scores and profiles in poor condition to solely benefit predatory lending/predatory practice. If your company stood for whats fair and encouraged whats right, these companies, reporting agencies and unfair lending would know they would be fined and sued and put out of business by doing illegal business. 

All it takes is one person to stand up for whats right and properly handle these companies, the complaints and vultures accordingly. Hold them responsible for intentionally causing major major damage to a consumers report. Fine them and make them pay all the damages caused! 
This report has been forwarded to the United States Bankruptcy Courts. XXXX XXXX is in contempt of an court order discharge injunction and it will absolutely not go unnoticed. The courts need to know the entire ordeal after my bankruptcy with this company and how many times I disputed, how many times XXXX XXXX fraudulently altered details and how so very intentional all of their actions were.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I deposited into the mail via certified return receipt letters to Transunion and XXXX 
Both companies received the letters, signed for them and a receipt was obtained. 
XXXX sent a letter to me dated XX/XX/XXXX that updated the account of XXXX XXXX account number ending in XXXX for the amount of {$430.00}. The fraudulent account remained on my credit report even though I sent the following documents to XXXX : Copy of Federal Trade Commission Identity theft Report Copy of XXXX AZ police report detailing identity theft Copy of Washington state drivers license Copy of utility bill I sent the same letter to Trans Union and they received the letter as well. They failed to respond or to remove the single XXXX XXXX account for {$430.00} from my credit report as well. 

The credit card issuer also failed to thoroughly investigate my identity theft and failed to remove the single credit card account in the amount of {$430.00} and absolve me all charges related to this account and they have kept reporting it. 
XXXX XXXX did properly respond to a second account and did remove that account but for some reason they have been unwilling to remove this final account. 

Other companies also had accounts opened in my name and those accounts were thoroughly investigated and removed from my credit report. 

XXXX XXXX, XXXX, XXXX XXXX all had fraudulent accounts opened in my name and they properly responded and removed those accounts from association with my name when I followed the law and provided them with the proper documentation. 
On XX/XX/XXXX I sent yet another notice to XXXX XXXX via certified mail that they did receive on XX/XX/XXXX that they have failed to properly investigate my identity theft and I demanded copies of all relevant evidence upon which they have relied to assert the account is mine. I have requested they provide me with all IP addresses associated with the opening of my account, screenshots of account, emails associated with my accounts and and signed documents. 
I received a letter from XXXX XXXX dated XX/XX/XXXX wherein they indicate that they have taken steps and then provided me with a code of some sort and kept reporting the card as if its mine. IT IS NOT! 
XXXX XXXX  can not continue and Transunion and XXXX can not continue to fail to follow the Law and keep this final account in my name. They have ZERO EVIDENCE of a material misrepresentation of facts or that I benefited from this fraud because I HAVE NOT BENEFITED and I am the victim of identity theft, please help me correct this and help me recover damages from Transunion, XXXX and XXXX XXXX as they all three continue to damage my credit and my ability to legitimately use my credit. This has delayed my ability to properly acquire financial independence and avail myself of offers that are reserved for those who seek to better themselves financially.
Product: Debt collection

A medical bill was found on my credit report from XX/XX/XXXX from National Business Factors Inc. ( file # XXXX ) ( XXXX ) XXXX by XXXX XXXX ( manager ) for charges incurred while I was XXXX in the XXXX XXXX County XXXX in XXXX XXXX XXXX XXXX CA on XX/XX/XXXX. As an XXXX in custody ( XXXX XXXX XXXX XXXX @ XXXX ) is under contract with the county of XXXX XXXX and the State of California to provide medical care for XXXX while XXXX The charges were incurred from XXXX XXXX while in XXXX XXXX XXXX custody. I was homeless and in custody  during this time. I was XXXX  on XX/XX/XXXX and was released on XX/XX/XXXX. This bill should not be billed to my credit report as my insurance benefits ended upon XXXX  and were then covered by the XXXX provider. XXXX XXXX XXXX XXXX XXXX @ XXXX. I have been unsuccessful in getting any support or response from the XXXX provider, but was informed by XXXX XXXX that the claim was not settled. XXXX from XXXX XXXX County XXXX informed the insurance company that I was not in custody during this time while making contact with the insurance company on XX/XX/XXXX. I have a Department of Justice report proving that I was in custody when the incident occurred. This account should be covered by the State of California, and County of XXXX XXXX. This bill has devastated my credit as well as caused my family extreme hardship during COVID 19.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the accounts listed below. 

Also, the creditor of this account, which is XXXX  XXXX XXXX confirmed that they do not have any physical proof, a signed document with my signature on the account. 

Not only that, they also confirmed that my SSN was added to the account only in XX/XX/2019, which is IMPOSSIBLE as I have been disputing the account for over 1 year and XXXX XXXX XXXX did not have even my SSN in records at the time of the application, which again, could have been ANYONE who applied in my name online. 

Also, as of today XXXX updated my credit report as well and has taken off my credit report the above mentioned account. Please see proof attached!