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

on XX/XX/XXXX Experian recieved a FTC ID THEFT report bearing my information and request that they block XXXXXXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX - AMOUNT XXXX. EXPERIAN DID NOT INITATE A DISPUTE UNTIL XX/XX/XXXX WHICH IS OUT OF THE 5 DAY WINDOW IN ACCORDANCE WITH FCRA. 

PER CFBP STATUE 1022.3 SECTION ( C ) Shall have five days to make a final determination on the acceptance of the identity theft report, in the event that the consumer reporting agency or information furnisher receives any such additional information or documentation on the eleventh day or later within the fifteen day period set.. 

EXPERIAN RECIEVED ALL OF MY INFORMATION ON XX/XX/XXXX. 
ON XX/XX/XXXX I RECIEVED A NOTIFICATION FROM EXPERIAN THAT THEY HAS OPENED THE DISPUTE ON XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX HOUR LATER I RECIEVED A NOTIFICATION THE DISPUTE WAS COMPLET E AND THAT IT WOULD REMAIN ON CREDIT FILE. 

I SENT EXPERIAN A FTC REPORT WITH THIS ITEM ( XXXX XXXX XXXX - XXXX XXXX ) LISTED ON REPORT, AND AGAIN AFTER MY XXXX FTC REPORT EXPERIAN HAS VIOLATED MY PRIVACY RIGHTS, THEY HAVE NOT ACKNOWLEGED A FEDRAL DOCUMENT, AND THEY ALSO HAVE COMMITED SERVERAL OTHER OFFENSES PER FCRA POLICY. 

EXPERIAN HAS ALSO NOT PROPERLY VERIFIED THIS ITEM OVER THE COURSE OF 3 MONTHS. ITS NO WAY A DISPUTE CAN BE PROPERLY AND LEGALLY INVESTIGATED WITHIN ONE HOUR. 

I REQUESTED A METHOD OF VERIFICATION ON XX/XX/XXXX, WHICH MY REQUEST HAS BEEN DENIED. THIS IS VERY NEGLIGENT ON EXPERIAN, THEY ALLOWED THIS COMPANY TO ACCESS MY CREDIT FILE AND UPDATE MY CREDIT FILE ON XX/XX/XXXX, I ASKED EXPERIAN TO CEASE ALL REPORTING AND DO NOT ALLOW XXXX XXXX XXXX ACCESS TO MY PERSONAL FILE OR INFORMATION.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Made a purchase at XXXX as a gift, was informed by the recipient that items were missing. Recipient then tried to return the item to his local XXXX where they refused to accept the item indicating the item was sealed and shouldn't be missing items to instead contact XXXX. 

I purchased the item at XXXX not XXXX they are reasonable to insure I receive everything I paid for. 

Informed AMEX about the situation and performed a charge-back due to XXXX 's refusal to exchange the item. Amex ruled in favor of XXXX due to XXXX 's statement that " all items are tested before sold ''. If that is the case then it explains why items were missing, someone at XXXX kept or misplaced the correct item. 

Evidence attached. 
1 ) Photograph when attempt was made to return item. 
2 ) Social Media post explaining XXXX has a history of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX put a late payment on my account. This was an auto pay issue and the store recognized the issue on their end and fixed it when i disputed it. However, the late payment was never removed from my credit report by the credit bureau and its affecting my credit.
Product: Debt collection

North American Recovery has been harassing me and has failed to provide information necessary to determine if an alleged debt is valid. They have called me repeatedly and spoken to me in a combative and threatening manner and made numerous threats. I have multiple times provided them my correct address and requested a written description of my debt per my legal rights. I have received nothing from them. I recently discovered a negative entry on my credit report attributable to them that arbitrarily exceeds the amount they previously claimed I owe.
Product: Credit reporting or other personal consumer reports

I am writing to address a significant concern regarding the inaccurate reporting of dates to the credit bureaus, which has resulted in incomplete and misleading data on my credit report. Specifically, I have noticed discrepancies between the dates reported by XXXX and XXXX, as follows : XXXX reports Date Opened as XX/XX/2023 and Date Last Active as XX/XX/2023. 
XXXX reports Date Opened as XX/XX/2023 and Date Last Active as XX/XX/2023. 
It is crucial to emphasize the importance of accurate and complete credit reporting, as this information plays a significant role when lenders review my credit report. These dates carry substantial weight in determining the creditworthiness and financial standing of consumers. Therefore, it is imperative that these dates are reported correctly and consistently across all credit reporting agencies. 
According to the 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) - Responsibilities of furnishers of information to consumer reporting agencies, it is the duty of debt buyers, such as yourself, to provide accurate and complete information to the credit bureaus. In this case, the inconsistent and inaccurate reporting of dates has led to misleading information on my credit report, potentially affecting my ability to secure credit and financial opportunities.
Product: Debt collection

I received the voicemail below : My name is XXXX XXXX I'm an independent process server at the XXXX County. I've been tasked with serving your legal documents that are attached to both your name and social security number. I'm scheduled to serve you at both your home or place of employment tomorrow XX/XX/XXXX between the hours of XXXX and XXXX XXXX. However if I'm unable to reach you at this time. This will be documented as a direct refusal to comply you will miss your pending court date and all legal proceedings will continue without you. Now if you do have any further questions or concerns or need to reschedule prior to my arrival. Please contact the filing party 's office directly at XXXX in regards to case number. you have officially been notified again I will be out tomorrow so please plan accordingly. 

They left this same voicemail on my best friends voicemail, my work cell and work desk phone. I called back and they had the last 4 of my ss # and address. They were asking for me by my maiden name. The man said I owed Buckeye Credit Solutions when I looked up the company it said permanently closed. He said its a subsidiary of Check Smart and that i owed a loan from XX/XX/XXXX that was sent to a collection agency in XX/XX/XXXX. That is was over {$1200.00} and when taken to court I would 3 times that amount and an extra {$1000.00}. He said he could settle for 40 % and the lowest he could do per paycheck is {$54.00}. I offered {$25.00} but he said that would be rejected. He said the only to do the payment plan was by giving my debit card information. I asked why didnt I receive anything in writing and he avoided the question. He said the name of the company is XXXX XXXX XXXX and they were in central time zone. XXXX XXXX gave me his direct line. After reviewing statue of limitations I called back and questioned the validity of being served with papers because the debt was 9 years old. He said it went to collections XX/XX/XXXX. I said I didnt feel comfortable committing to anything until I received documentation he said ok. I asked would I receive it and he said yes. I told him I would be available at home XXXX to be served. My husband was home and said no one ever came and I was at work during that time and no one showed up to my job. I checked XXXX Countys Court site and nothing had been filed against me.
Product: Debt collection

Im really worried that USCB AMERICA is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX have the right to privacy. USCB AMERICA has committed infringement upon my consumers right to privacy. 

I, XXXX XXXX never granted consent to USCB AMERICA to contact me. USCB AMERICA has/ or purchased my private information without my consent. I never contracted with USCB AMERICA. USCB AMERICA is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and REGULATION F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand USCB AMERICA to validate this alleged debt. 

If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for USCB AMERICA to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ). 

USCB AMERICA violated 12 CFR 1006.14 ( B ) -1, USCB AMERICA has been abusing me and harassing me in an attempt to collect an alleged debt by repeatedly and continuously calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that a debt existed with XXXX through me accessing my credit file to discover there was a collection item in the amount of {$340.00} dating back to 2016. I contacted XXXX to discover that there was a final bill from a previous address that did not get paid however when we looked further into why I wasn't notified, we discovered this was under an incorrect address as it combined both my previous address and new address as well as my maiden name. XXXX and XXXX both assured me that if I paid the debt it would be removed from my credit report considering it went into collections in error ( without me being notified of the debt ). I paid the balance in full to XXXX who in turn removed the item from collections. This actually made things even worse as the collection item only updated making it a newer item meaning it would sit on my credit even longer! The issue that I am faced with now is when I call XXXX, they say they don't have a file for me ( which I know since XXXX removed it from collections ), however this still exists on my credit file with both XXXX  and Equifax. I contacted XXXX  to investigate the issue to have this removed from  my credit file only to be told after investigation that the debt would remain. I have called XXXX  several times to no avail as well as XXXX who only refers me back to XXXX as they are the ones that reported the negative item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

During this time for COVID-19 many people have been affected with losing their jobs, insurance and their lives. I have been fortunate enough to remain afloat amidst the pandemic and be able to pay my funds although, I too, have been severely affected by the crisis. GM Financial, my lender for my 2019 XXXX contacted me and asked if I was affected during this time, and I stated to them " YES ''. They also asked me if I was home and not working. I stated " YES ''. I let the representative know that I was trying to file unemployment and awaiting my income tax return ( which I have not received still ) and the stimulus payment- of which I could send in XXXX payment. A GM representative stated to me that no late fees, penalties, or credit reporting during this time would be sent to credit bureaus because of the pandemic issue, they understood and for me to call them whenever I received the stimulus payment of XXXX. Upon receiving my stimulus check, I paid {$1000.00} to GM, which covered XXXX and XXXX 's car payment. I also sent a {$500.00} payment thereafter which would cover XXXX. The car payment is only $ XXXX monthly and due on the XXXX of each month. I received several credit notifications indicating my credit score and points had dropped. Upon further review, I looked at the notifications and it was due to GM reporting to XXXX  ( and the other Bureau 's ) that my payments were late and not paid on time. I was livid when I saw this information and I called GM. I spoke with a representation who told me, the system automatically sends out this information and due to COVID-19 they would be sending a letter to all the reporting agencies to rescind and remove the late notices. However, they told me no reporting to the agencies would occur in the first place. I asked the representative when this would occur and she said they were sending out the letters at the beginning of this month- which THEY HAVE NOT, and now I have 3-4 late payments on my credit report that should NOT be there. I have disputed this information with XXXX, XXXX  and XXXX  and to no avail it is still there, along with other items I have disputed and now I can no longer dispute them because when I try it reads this item has been recently disputed. This is erroneous credit reporting, GM lied and should be held accountable for their actions, false statements to consumers especially at a time like this. 
Secondly, I would like XXXX, XXXX & XXXX  to be contacted regarding the repeated disputes I have made on my credit report that they have failed to correct and enable me to dispute them and they ACCURATELY take care of those issues- specifically removing them. Those disputes are for accounts I DO NOT OWE : XXXX XXXX {$400.00}, XXXX XXXX ( The Bureau 's ) {$1200.00} & XXXX ( XXXX XXXX XXXX ) which reports I have 1 late payment which is not true and of course GM Financial which is reporting 3 late payments. These companies should be held accountable for their actions, especially at a time like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX deleted the debt collector XXXX XXXX XXXX XXXX XXXX from my credit report because the company failed to respond in the 30 day time frame. They allowed XXXX XXXX XXXX XXXX XXXX to report and placed them back on my credit file which is a direct violation of the Consumer Fair Reporting Act. Since reporting back on my credit report, it is now showing that I opened this account 4 months ago, which is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several consumer loans I am making payments on that Equifax refuses to report. According to the FCRA, if a consumer report is inaccurate or incomplete, it must be corrected and made complete. I have reached out to Equifax on several occasions, to no avail. My inaccurate consumer report is credit score is tarnishing my personal reputation and causing me mental anguish.
Product: Debt collection

I received a disturbing letter in the mail stating that a company by the name of F.H Cann & Associates that they are ATTEMPTING to collect a debt, and they stated in the letter I had until XX/XX/year> to respond which was impossible because the letter arrived through postal service XX/XX/XXXX XXXX after XXXX. 
Also I do not owe that debt I am a victim of identity theft and also was a victim of the XXXX data breach. 
I am requesting the original purchase agreement that shows you are the legal owner of this alleged debt. Please indicate all the terms and conditions that are included in this purchase agreement. 

And at this time I will inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute as fraud under both Federal and State Laws. Due to this fact, any negative mark found any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of character.
Product: Debt collection

I have not received any kind of notice or any kind of communication for this debt, I have no idea what it is, it just popped up on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on behalf of XXXX XXXX regarding the inaccurate information present on his credit reports with the credit reporting agencies, XXXX, XXXX, and TransUnion. The inaccuracies pertain to student loans, closed accounts, and hard inquiries, and they are adversely affecting XXXX 's creditworthiness and financial standing. 

Upon reviewing XXXX 's credit reports from XXXX, XXXX, and TransUnion, it has become evident that various inaccuracies have emerged, particularly in relation to student loans, closed accounts, and hard inquiries. These inaccuracies are causing significant challenges and hindrances to XXXX 's ability to manage his finances effectively and secure financial opportunities. 

I kindly request the following actions : A comprehensive investigation into the inaccuracies present on XXXX 's credit reports with XXXX, XXXX, and TransUnion, with the aim of rectifying any information that can not be verified or is erroneous. 
The prompt removal of any inaccurate data related to student loans, closed accounts, and hard inquiries in line with the Fair Credit Reporting Act ( FCRA ) and the CFPB 's regulations. 
Verification of all student loan information to ensure its accuracy and alignment with XXXX 's financial history. 
I firmly believe in the importance of fair and accurate credit reporting, and I trust that the CFPB will diligently address these inaccuracies to ensure the integrity of XXXX 's credit reports. 

Please keep us informed of the progress and outcome of this complaint.
Product: Credit card or prepaid card

My complaint is regarding bogus charges/fees to my account. The information they are stating to me is not accurate. 
In XX/XX/2021, i received a statement saying i owede XXXX balance which should have been my final payment. I paid the XXXX. I got another statement at the end of XXXX saying i owed XXXX. I paid that. In XXXX i get a bill saying i owed XXXX in late fees. As i was never late, i couldn't understand. I called to find out the charges. They told me they would wave XXXX late fee but i had to pay the remaining. I asked several times what was the charges for. No explaination. I then decided to spare my credit, i would pay the XXXX even though i knew i didn't owe it. I just wanted my credit clear. Bur they keep billing me and im at my witts end. They sent me a bogus statement saying in XXXX, i owed XXXX but i really only owed XXXX for XXXX. So i was able to find my statement for XX/XX/2021. It had a balance of XXXX. XXXX. Next payment due XX/XX/XXXX in amount of XXXX. I paid XXXX on XX/XX/XXXX. I made a purchase of XXXX. XXXX on XX/XX/XXXX. My next payment was XX/XX/XXXX in amount of XXXX. I made a XXXX payment all the way up to XX/XX/2021 when i made the XXXX. Payment. I can find no logic for me owing XXXX as they claimed i owed in XXXX. I did electronic payments through my bank. I never missed any payments and didn't make any other charges. I have begged for them to look at this error that has obviously been made. 
to the correspondence that was sent to me, the have my XXXX balance as XXXX there is no way possible my balance could have been XXXX when I made no charges, was never late on payment, never missed a payment. My balance was only XXXX. The statements I asked them to provide a copy of the statements, not these typed up letters they are submitting but actual statements to prove to me where these extra charges come from. I have made one purchase this year. XXXX. I'm begging for a resolution because I don't owe this money. I promise I paid what they billed me!
Product: Debt collection

This company obtained my information and is reporting this on my consumer report without my written consent. I have no contract with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

File XXXX XXXX  bankruptcy in XXXX that was discharge on XX/XX/2021. I was a co-signer of a auto loan from XXXX XXXX that was included in the BK, I never signed a re-affirmation letter. The car is in possession of the 3rd party who was initially on the contract. That person is currently making payments on the vehicle but has been late on several payments which is now being reported on my credit reports. I have written and call many times to XXXX XXXX and each department stated it is not their responsibility with that dept. I am constantly getting the round a round. XXXX XXXX has failed to respond to me are my BK attorney. According to the Bankruptcy Trustee XXXX XXXX is making it difficult to close this case by trying to collect funds that are already included into the loan.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX05 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite our previous attempts to resolve this issue directly with XXXX XXXX XXXX the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXXnXXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of Birth Mark : XXXX Date of Birth XXXX : XXXX Last XXXX of XXXX for XXXX : XXXX Last XXXX of social for XXXX : XXXX
Product: Debt collection

On XXXX/XXXX/15 I walked into XXXX and asked to be disconnected at the same time I paid XXXX ( {$70.00} ) the bill I owed and asked to be billed the balance. Until today, XXXX/XXXX/15 I have not had XXXX attempt to contact me from the XXXX. Today I received a COLLECTION NOTICE asking for payment on behalf of XXXX. I called XXXX to verify that they had all my personal information correct and still active, which they did. They could have emailed me, send me a bill by post, call me on the telephone or even text me on the phone! The " supervisor '' that I spoke with had no reasonable explanation for this outrageous conduct and ( I believe ) attempt to purposefully affect my credit.