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

EQ, XXXX, XXXX, This is a serious matter. 

I am expecting you to act with my authorization to immediately remove and adjust the credit report in my name with entries that do not belong to me at once! 
Please see the attached complaint!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request your urgent assistance in resolving a dispute with Experian regarding an account reported by XXXX XXXX XXXX, which is inaccurately listed on my credit report. The account contains several discrepancies that Experian has failed to address properly despite my prior disputes. 

Details of the Discrepancy : XXXX. Repossession Date Inaccuracy : The vehicle associated with this account was repossessed in XXXX. However, Experian is reporting the repossession as having occurred in XX/XX/XXXX, which is incorrect. 
XXXX. Account Transfer and Missing 1099-C : The account was transferred to another party, but I have not received a Form 1099-C, which is required when a debt is canceled or discharged. 
XXXX. Lack of Verification : Experian failed to contact XXXX XXXX XXXX to verify the accuracy of the account, despite being required to investigate disputed information. 

Additionally, as of XX/XX/XXXX, XXXX XXXX XXXX, located in XXXX, Texas, has been closed due to weather conditions, further complicating the ability to verify this account. 

Violations of Federal Law : 1. 15 U.S. Code 1681 ( e ) - Compliance Procedures : Experian has not followed reasonable procedures to ensure the maximum possible accuracy of the information reported, as required under the Fair Credit Reporting Act ( FCRA ).

2. 15 U.S. Code 1681 ( i ) - Dispute Procedures : Experian is required to conduct a reasonable investigation of disputed information. Their failure to verify the account with XXXX XXXX XXXX demonstrates noncompliance with this provision. 
3. 15 U.S. Code 1692 ( d ) ( 2 ) - Harm to Reputation : Experians inaccurate reporting is causing harm to my reputation by leading to credit denials, housing application rejections, and other adverse actions.

Impact on Me : These inaccuracies have severely damaged my credit standing and ability to secure credit, housing, and other essential financial opportunities. The harm caused by Experians negligence is inexcusable and needs immediate rectification. 


Supporting Documents : Enclosed, I have included the following for your review : A copy of my credit report highlighting the inaccuracies related to XXXX XXXX XXXX Any correspondence with Experian regarding this dispute Additional documentation to support my claims Thank you for your attention to this matter. I trust in the CFPBs commitment to protecting consumer rights and look forward to a resolution. Should you require any additional information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
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. 
Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A States that a consumer reporting agency CAN NOT furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently tried to buy a house and realized there are inaccurate unverified fraudulent damages named FAIR COLLECTION AND OUTSOURCING IN THE AMOUNT OF XXXX $ And same collection in the amount of XXXX $ on my credit report. According to the 15 USC 1681 Law these damages are defamation to my character. I have tried to reach out to reporting agency 3 times starting from XXXX of 2022 to resolve error and have only gotten a system generated response. No proper investigation or proof/ method of validation.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES AND NAMES AS I HAVE NO KNOWLEDGE OF THEM ACCORDING TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT. 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 PLEASE REMOVE THE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ACCOUNT NAME XXXX XXXX XXXX Account : XXXX AMSHER COLLECTION SERV Account:XXXX  15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am (90 – 120) days late on the XXXX  – partial account number XXXX.  (Please see page attached from my credit report.)  This account reports a $XXXX  balance and $XXXX  past due.  Please keep in mind that it is impossible to be late on an account that has a $XXXX balance.  This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.  I have contacted the bureau to remove this however, I have not been successful.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm has been charging me for XXXX loans that I have nothing to do with since XXXX. I've reported thjs ti you already and have also spoken with their team who have told me they will be removed. They haven't been. That was in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021. I have disputed multiple times to Transunion that 3 Public records that are bankruptcy didnt belong to me. Theyve informed me to contact XXXX XXXX the reporting agency to speak with them. XXXX XXXX investigated and removed the public records that theyre reported to Transunion XXXX They also sent documents with proof that credits were deleted. I provided the document received to Transunion and even sent a certified mail and they refused to update my credit file.
Product: Checking or savings account

I'm so sorry you lost my first complaint with PNC Bank, # XXXX this has something to do with that. I got a call from PNC wanting to know how I liked the bank, I told her twice I was closing my account for lying to me when I opened the account. A few weeks later I closed the account when all outstanding was complete righting on the last check " to close account '' since then every day they send me a low account notice. Now they won't allow me to log into my account and want to charge me {$24.00} fee for what I don't know. This is a closed account and I don't owe them anything.
Product: Money transfer, virtual currency, or money service

Wells Fargo Denied two of my transactions XXXX, XXXX, 2024 ( {$3500.00} + {$2000.00} ) from XXXX transfer. But they still hold the money, they don't want to give money back to original sender or credit to my account. They will close my account XX/XX/year>.
Product: Debt collection

I keep getting calls from a comenity bank in which I never heard off or do I own any debt to them.
Product: Credit reporting or other personal consumer reports

I have reached out to transunion and XXXX on multiple occasions in regards to deleting inquires that I did not authorize and have not received a response. I did what they asked me and wrote a letter to the companies and havent received a response. It is the duty of transition and experian to remove hard inquires that were not authorized. I have been getting the run around since XXXX. I called to check on the status XX/XX/XXXX and XXXX the manager at transunion put me on hold and hung up the phone and never responded back this happens constantly and I can not get any answers from transunion.
Product: Credit reporting or other personal consumer reports

Subject : Request for Copy of Form XXXX for Charged-Off Debt Dear Flagship Credit Acceptance, I am writing to request a copy of Form XXXX for the debt that was charged off and reflected on my credit report under Flagship Credit Acceptance in the amount of {$1200.00}. As required by the IRS, I need this form for my tax records, as I have not yet received it. 

Please send the form to my address listed above. If you need further information, feel free to contact me. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX XXXX for 3 years with financing through GM Financial ( account # XXXX ). The lease was fully pre-paid by me in the amount of {$20000.00}. Before the end of the lease GM issued a recall on the vehicle due to battery fires, and the fix for the defect ( vehicle battery replacement ) was not available at the time my lease term was about to end ( XX/XX/XXXX ). So, instead of buying the car out at the end of the lease, as initially planned, I returned it 2+ months early ( in XXXX of XXXX ), not using the final two months of the lease payments to the tune of {$1100.00}. I requested in XXXX of XXXX that GM financial wave the {$420.00} lease termination fee ( see attached document ) since the vehicle was unsafe, but to this day they did not respond to my letter, instead willfully and maliciously reporting me to several credit rating agencies as a delinquent lessee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX XX/XX/XXXXand opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX XX/XX/XXXXas well.
Product: Debt collection

TO CREDENCE RESOURCE. YOU ARE REPORTING A COLLECTION ACCOUNT ON MY CONSUMER REPORT THAT HAS NOT BEEN VERIFIED OR VALIDATED. THIS IS A VIOLATION OF THE FCRA AND THE FDCPA. THIS ALLEGED ACCOUNT IS INACCURATE, UNVERIFIED AND MUST BE DELETED IMMEDIATELY FROM MY CONSUMER REPORT. IF YOU DO NOT REMOVE THIS ACCOUNT IN THE TIMEFRAME OF 7 DAYS, I WILL START THE PROCESS OF SEEKING FOR DAMAGES UNDER THE FCRA AND FDCPA FOR UP TO {$1000.00} PER VIOLATION AND FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY DAMAGES AS WELL AGAINST CREDENCE RESOURCE BECAUSE THEY ARE THE COMPANY REPORTING THE ACCOUNT ON MY CONSUMER REPORT. YOU ARE BEING HELD LIABLE.
Product: Debt collection

Over 180 days ago I wrote Resurgent Receivable in good faith by asking them to provide proof I owe an alleged debt to them as I have no contract or account with them nor did they have permissible purpose. I asked for a forward flow agreement between Resurgent and XXXX XXXX, files from the record keeper and aggregate value of loans purchased with purchase amounts. None of the demanded proof has been provided yet. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Absent of such proof, you must terminate this collection attempt, and correct any erroneous reports of this debt as items may not appear on my credit report if they can not be supported by any evidence.
Product: Debt collection

I would like to file a complaint and alert the authorities that XXXX XXXX XXXX XXXX - a debt collector, debt buyer and furnisher of information to the XXXX credit bureaus, XXXX, XXXX AND XXXX has not been handling my disputes in compliance with the law. 

In XX/XX/XXXX I received a letter claiming I owed {$990.00} to XXXX XXXX. 

I responded within 3 days of receiving this letter, disputing the validity of the debt and informing them that I had been a victim of ID theft as I never applied for, used, consented to acquiring this debt or ever used this credit card. 

XX/XX/XXXX I received a response from XXXX asking me to complete their Victim of ID Theft Affidavit. I completed, signed and mailed it back. 

45 days later, XXXX filed a lawsuit against me in the Superior Court of CA in an attempt to collect the {$990.00} debt I had told them DID NOT BELONG TO ME AND I DID NOT HAVE ANY RESPONSIBILITY to payment of this debt. 

I was shocked. I was embarrassed. I was scared! 

XXXX NEVER notified me of any investigation they completed regarding the validity of their claim that I owed this debt. 

I was so frustrated after checking my credit report and seeing it was trashed! 4 credit cards had been opened without my knowledge! They defaulted and were sold several times over between debt buyers like XXXX who can ruthlessly destroy the lives of some people. 

I filed a police report. FTC report and forwarded it to Cavalry who did nothing but continue to report this debt to all 3 credit bureaus AS VERIFIED!!! 

I sent them a copy of my DRIVERS LICENSE WHICH HAS A DIFFERENT name than the person they named as defendant. My name is XXXX XXXX XXXX Theyre suing XXXX XXXX. 

I filed a XXXX XXXX requesting information about this debt. All they gave me was credit card statements. 

On a XX/XX/XXXX statement it says transactions took place in XXXX XXXX, CA on XX/XX/XXXX however I was in XXXX, Texas for XXXX XXXX XXXX and provided them with proof. Again highlighting that this is NOT MY DEBT! 

From XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX is reporting that I owe this debt of {$990.00}. 

XX/XX/XXXX they were alerted that this debt was a RESULT OF FRAUD. They did not change the information they furnished. 

I complained directly to XXXX XXXX and XXXX and they notified XXXX 

Then the credit bureaus responded that the DEBT WAS VERIFIED AS ACCURATE! 

How? Impossible!! Ive been racking my brain trying to find out who stole my identity and they are able to verify it as accurate?! How?!!! Thats impossible! 

There needs to be more transparency. Are the credit reporting agencies and the debt buyers one and the same? Shouldnt the 3 agencies be NEUTRAL and worried only that information is true and correct? 

FOR EXAMPLE, XXXX notified XXXX that I disputed the debt belonged to me. I provided XXXX with police report, affidavit, and other documents and XXXX notified XXXX XXXXXXXX then responded with debt is verified and XXXX closed my case! 

For 9 months XXXX has known that they purchased a debt that was obtained fraudulently and that I am a victim. 

They have done nothing. 

Please help me as they dont care about anything I have to say.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately
Product: Debt collection

I sent formal notice, via certified mail, to XXXX XXXX XXXX on X/X/2017 disputing a derogatory status on my credit report. The account is listed as closed, with a XXXX dollar balance, however, it states on the credit report that it is a charged off account. The account is reporting deragotory on my credit reports. XXXX XXXX XXXX responded with a letter on X/XX/2017 stating that ownership of the account was transferred to MSW Capital , LLC and on my behalf they have forwarded my inquiry to that agency. No disputes were placed on my credit report in the 30 day window as per Fair Debt Collections Act and the Fair Credit Reporting Act. I sent another letter, via certified mail, on X/X/2017 to MSW Capital , LLC requesting validation of the account and have never received ANY correspondence from them regarding my letter. By not responding in a timely manner, they have violated federal and state laws, and have also failed to furnish any documentation bearing my signature that the account is reporting correctly.
Product: Checking or savings account

Bank told me that I was left as a beneficiary then do her name I never knew I was left as a beneficiary and one of the bank tellers quitter job not even a couple of months later I took them the death certificate like they asked. XXXX XXXX dollar told me that the money was sent back to the state for unclaimed money but the other one told me I needed to get the death certificate I got the death certificate and now my money is missing. Usbank
Product: Debt collection

Hello I been sending letter to XXXX, XXXX and XXXX to remove the account listed below. I have never been applied or been associated with any of them. 

XXXX ). PLUSFOUR INC XXXX ). XXXX  XXXX XXXX XXXX ). PLUSFOUR INC XXXX ). PLUSFOUR INC XXXX ). XXXX XXXX XXXX ). XXXX XXXX
Product: Debt collection

On XX/XX/2017 I noticed on my credit report there is an outstanding debt from XXXX for {$140.00}. I never had an account with XXXX. The collection agency had reported this to the credit bureau. I would like to get this removed from credit report. They referred to an account # XXXX.
Product: Credit card

On my credit report I unfroze it for XXXX hours in XX/XX/XXXX. My identity was stolen in the XXXX XXXX breach and ever since then fraudulent charges using my identity show up on my credit report. I SHOULD have perfect credit but others have had access and its destroyed. 
addresses not mine are showing up on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} not mine. 
Also I noticed that there was something out of XXXX XXXX  that I didnt do. 
My identity is stolen and even with it frozen still getting hacked into. Please help.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a dispute on the following accounts ( XXXX, XXXX BANK ), ( XXXX, CAPITAL ONE ), ( XXXX, XXXX XXXX XXXX ), ( XXXX, XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX the reason of reporting inaccurate information on my credit report. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against ( XXXX ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. My information was also included in a data breach. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. Im requesting these derogatory remarks be removed immediately as its affecting my chances og getting a ( House, CAR, Business Credit ). XXXX violates my rights as a consumer, as well as federal laws. I would like these items removed
Product: Checking or savings account

I opened a new HSBC Advance checking account with {$350.00} new account promotion online in XX/XX/2018. I fulfilled all the promotion requirements by applying the account online and maintaining over {$10000.00} balance. The latest time when I would receive the {$350.00} bonus, based on the promotion terms and conditions, should be before the middle of XX/XX/2018. But till now, XX/XX/2018, I still did not get the bonus.

I tried almost 10 times to contact the HSBC customer service. After checking the promotion 's terms, all the representatives agreed that I satisfied all the promotion 's requirements. They even told me my case was reviewed and the bonus credit was approved by a manager. The latest date, when the bonus credit was promised to be posted on my account, is XX/XX/2018. BUT, today is XX/XX/2018. In addition, most of the representatives asked me to wait and promised that somebody was working on my case. BUT, waiting after waiting, nothing was updated for my account balance. All in all, I met all the new checking account promotion 's requirements. But HSBC Bank USA did not give me the bonus as promised. The bank wasted a lot of my time without correcting their fault, even though I had contacted them for almost 10 times.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681section 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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Product: Debt collection

Company wrote off auto loan as bad debt and a charge off but is still attempting to collect money from me when they have already been reimbursed.