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

XXXX XXXX took my information and fraudulently used it without my permission to process transactions and open an account without my knowledge, this account is not mine. Istayed at the resort once but only paid for the time I was there & I did not purchase anything from them. I've called them to demand validation of the said account and have it closed but they give me the runaround every time & never received any validation. The inaccurate account is being reported in my credit records and is hurting my financial stability. I have disputed this with the credit bureaus but had no resolutions. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Ive had no responses. Ive sent out requests to Experian into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Vehicle loan or lease

AMERICAN HONDA FINANCE View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 30 days two or three times Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$19000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 72 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** CO-SIGNED FOR THIS ACCOUNT. I WAS NOT ADVISED OF THE NON-PAYMENT OF THIS ACCOUNT. 
Comments - Contact Information XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Dispute 30-day late mark for XX/XX/scrub> 2023, for account ending in XXXX with XXXX. Equifax is reporting the last payment as XX/XX/year>2023. The due date for the loan was XXXX XXXX,2023. Loan was paid in full by check, dated XX/XX/year>2023. Therefore making the 30-day late mark for XXXX erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see I have late payments on my credit report which is unlawful under code 15u.s.c1681a ( 2 ) ( B ) and need them removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Boost is not reporting my rent payments. I have linked my XXXX XXXX XXXX XXXX account to the Experian online and I do not see my rent payments counting toward increasing my score. Experian has also discriminated against me for many years by not allowing me to access my credit report despite sending my information to them. Furthermore, due to Experian not correctly reporting my credit usage my credit score is low. If this is not remediated immediately I will pursue legal action. I have done everything to prove my identity and I was a victim of Identity theft by compromised XXXX XXXX XXXX XXXX as well as XXXX leaking my information to other people. My phone keeps getting spam messages from phony companies. IF this is not dealt with immediately I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX submitted a legal formal complaint against Equifax to remove fraudulent information from my credit report I am a victim of identity theft they did not remove the information within 4 business days according to section 605b of the fair credit reporting act I have now filed a civil lawsuit against Equifax for failing to protect my consumer rights the account XXXX XXXX XXXX for {$11000.00} is not my account Ive already contacted the original creditor to remove from my credit report I have also filed a suit against all parties
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from XXXX XXXX. While auditing my credit repair, I came across a few errors. XXXX XXXX Bank is not reporting the same date opened to all 3 credit bureau, XXXX XXXX Bank is not reporting the same High Credit to all 3 credit bureaus, XXXX XXXX Banks is not reporting the date last active the same to all 3 credit bureaus. Because of XXXX XXXX Bank not reporting accurately to the credit reporting agency the same across the board, its affecting my scores and worthiness. I tried challenging heir Accuracy and Integrity but no one from XXXX XXXX Bank or the Credit Bureaus have answered my issues. The negative and defaming information is hindering me from getting a favorable XXXX XXXX and interest rate. I reached out to the credit bureaus ( Transunion, XXXX, XXXX ), they never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX  XXXX XXXX Balance : {$8800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2015 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Bank account or service

I am unable to access my account information with customer service. They indicate that I do n't have security questions/answers on file, therefore they ca n't verify my. Never have I been presented with the ability to complete said security questions/answers. The account was originally created with AmTrust who was then acquired by New York Community Bank. Since then, I 've been locked out of my account via their website and can not get assistance on the phone due to the lack of said security questions/answers. I do n't receive paper statements, they are online only so I have no visibility to what is going on with the account. I was n't too concerned about this since I have n't used the account in several years. Yesterday I received a overdraft notice in the mail on the account for {$8.00} and customer service ca n't assist me in determining why/how, again due to the lack of said security questions/answers. I 've provided them every piece of identifiable information I have ( account number, name, SSN and address ), yet this is not sufficient verification to assist me with resolving this overdraft issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  : Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account number : XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below XXXX XXXX XXXX Account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A states i have right to my privacy.

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. 


In accordance with the Fair Credit Reporting Act. The List of accounts below XXXX XXXX Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A states i have right to my privacy.

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. 



In accordance with the Fair Credit Reporting Act. The List of accounts below XXXX XXXX XXXX  Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A states i have right to my privacy.

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: Debt collection

On XX/XX/2017 Portfolio Recovery Associates , LLC, opened a collection. 

Account # : XXXX {$350.00} that I owe I have never signed any written documentation saying I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written any consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report a serious error in my Experian consumer report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under the United States Code, Title 15, Section 1681i. The error pertains to multiple accounts from XXXX incorrectly showing unpaid balances on my credit report. I am seeking your assistance in rectifying this issue promptly.

Details of the Discrepancy : 1 ) Credit Reporting Agency : XXXX XXXX ) Incorrect Information : There are eight XXXX accounts currently reported as unpaid on my consumer report. However, these accounts have been legally discharged, and the balance is {$0.00}. The inaccurate reporting is in direct violation of the FCRA.

Relevant US Code : Fair Credit Reporting Act, United States Code, Title 15, Section 1681i - Procedures for Correcting Mistakes on Credit Reports.

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene and investigate this matter thoroughly. The inaccurate reporting by XXXX has severe implications on my creditworthiness, potentially affecting my ability to secure loans, housing, or employment. According to the FCRA, I am entitled to a free copy of my credit report, which I have already obtained and reviewed, confirming these discrepancies.
Product: Debt collection

Hello, on XX/XX/XXXX I received an MyFICO alert informing me a collections was added to my account. I immediately logged in to check. Its a collection thats being reported from AFNI for XXXX. Ive NEVER held an account with XXXX. I contacted XXXX  and they opened a dispute for me. I ALSO contacted AFNI asking what this collection was about and they couldnt answer me. I asked if they could provide me with a BILL and/or signed contract and the woman told me she couldnt locate one. If you cant locate a a signed contract, then what exactly are you holding me XXXX for? AFNI reported a {$200.00} collection a couple years ago, and I had it removed. So NOW, theyve added a NEW collection account and added {$200.00} to it. Thats unacceptable. Ive heard many stories about AFNI being reported in XXXX practices but this takes the cake. Theyve only reported it to ONE bureau, which is one of the major reasons I know this isnt accurate. Please assist me with ridding myself of the harassment and horrible collection practices of AFNI. This HAS to be illegal.
Product: Credit card

A GM Goldman Sachs credit card # ending in XXXX was opened in my name XX/XX/year> without my consent or knowledge. I am a member of XXXX XXXX XXXX who alerted me to the delinquency on this account. My credit score had been decreasing as this delinquency went on. My identity was stolen and this credit card opened without my knowledge. Yesterday, XX/XX/year> a rep from XXXX and I called GM Goldman Sachs to inquire about this to find out what it was. We spoke with XXXX, XXXX and XXXX and learned of the details. An amount of {$6000.00} was charged to this CC and all but {$490.00} was paid off. The creditor closed this account on XX/XX/year> because it was flagged as being identity theft. I was instructed to complete a fraud complaint and file a police report, then mail a copy to GM Goldman Sachs for them to investigate. 

I want this issue resolved and removed from all three credit reports, XXXX, XXXX and XXXX as I did not apply for this credit card!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Debt collection

in XX/XX/2021 i had a water softening system installed. i asked for the documents and contract which i never recieved. i contacted them a few times and i always got a someone will reach out to you but never did. i was suppose to get a year supply of soaps but never did and without a contract i cant dispute it with them, even though no one calls me back except to say that if i dont pay im going to lose my house. now verbally that was not an issue they never told me it was a loan on my house. never told that or i wouldnt have got it. i never had the chance to cancel the system cause its hard to get a hold of someone or somene calling me to address this. now its on credit report under home loans. was not told or do i have a contract that shows this.they system doesnt work well its not quiet and they put a whole in my garage and they nevr came to fix like they said they woukd
Product: Mortgage

Freedom Mortgage will not allow me to have online access. 


Never been late on a payment and I have outstanding credit.
Product: Debt collection

JPMorgan Auto finance is attempting to collect a debt that was written off on their 1099 at a loss. They actually sold the vehicle and recouped at market value, and is still trying to collect interest payments on an account that no longer exist. Ive made several attempting via certified mail to correct the reporting to the credit agency but insist on no wrong doing. It fraudulent to attempt to continue collect on account that have been resolved.
Product: Debt collection

I am a XXXX Veteran and had a medical issue. The origin of the debts owed are a result of the health care facilities not following up on this and requesting proper payment through the VA XXXX XXXX XXXX. Instead they went after me and subsequently have destroyed my debt. When I contacted them to inform them of this I was met with a very unfriendly individual who said that it would stay on my credit report and that they would do nothing about it. 

Origin of the debt : App of Tennessee PLLC Current Debt Carrier : National Recovery Agency Date of debt account opening : XX/XX/year> Amount owed : {$1100.00}
Product: Debt collection

I 've checked credit report and noticed I few things I was n't aware of I 've tried to dispute the items but there still there
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit karma account and around XXXX I applied for an auto refinance loan. Then also in XXXX my phone started messing up and I had to get a new one. Then I was locked out of my email account and I haven't been able to get back into that email since. I have been locked out of most of my accounts since I just now got a new phone and new number and even a new bank account. I reported it to the FTC because I just received all these letters this past week. The address they were being sent to isn't my mailing address. My credit went from almost XXXX to XXXX. My wife and I are going through a divorce but she does know my personal information by heart including my social security number which she gave to a police officer in XXXX county when she was in a wreck in XXXX of last year. She told the officer she was me. I reported it to both XXXX county and my insurance company that I was not driving the car when that happened. 

The companys and information.. XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. XXXX XXXX XXXX services on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XXXX. Axos Bank on XX/XX/XXXX.
Product: Mortgage

As in My original complaint, I requested that Our additional principal amount of {$100.00} per week be applied to Our payments as principal, after Our original complaint was closed the company began to take our payment and apply as monthly payments again. How Much Time Do We Have To Respond After Our Complaint has been submitted or a request for a response or further communication before the claim will be closed? I have been block from accessing my online account.
Product: Checking or savings account

I have over {$100000.00} of Assets at this bank and they have still not resolved this issue. 
My money is frozen here and online access has been terminated. No letter or Email has been sent to me regarding this issue. The compliance officer assigned to this case has not responded to my Email. Please send this concern to the Office of the Predident or internal affairs for investigation. I am no longer contacting this bank by phone since customer care is unable to assist or provide a status update. If this issue is not resolved I will be filing a criminal report with the help of the CFPB for trade law violations and non compliance issues. Holding money hostage for no reason is a Federal Violation. Please escalate my concern to the Predident of Huntington Bank for proper resolution otherwise I will never get this issue resolved. The last time this type of issue happened with this bank it took me over 6 months of calling in to finally get the issue resolved and I don't have the mentality anymore to deal with this stress and worry they have caused. If the CFPB is unable to get me in contact with the proper team I will be forced to file a lawsuit with this bank.
Product: Credit reporting or other personal consumer reports

This account is reporting late as reported in my XXXX Credit bureaus. This account should not be showing the current status of 30 and 60 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the accuracy of a Amsher Collection collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, Amsher Collection would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan.
Product: Credit reporting or other personal consumer reports

Social security number is XXXX The negative items that are fraud have not been removed from my experian credit report and XXXX Credit report theirs a federal trade commission identity theft report on file please have experian and XXXX removed those items
Product: Credit reporting or other personal consumer reports

Department Of Revenue : Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on [ date of your original request ]. However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as Experian, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, Experian is not meeting this requirement. 

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. 
Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. 

This has hindered my ability to live a normal life.