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

I am following up regarding CFPB Complaint XXXX concerning the inaccurate reporting of XXXX late payments for XX/XX/year> and XX/XX/year> on my credit report, associated with Stellar Finance. Your response states that the data furnisher has verified the information as accurate, yet it fails to address the critical issues I outlined. The reported late payments are factually incorrect and must be removed as they violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). Additionally, I provided documentation confirming that Stellar Finances business registration is inactive in Texas and that the companys right to transact business has been forfeited, making them legally incapable of reporting or verifying any account. 

Furthermore, XXXX and XXXX have already removed this account from my credit report, recognizing the inaccuracies I presented. It is unacceptable that Experian continues to report this erroneous information despite clear evidence to the contrary. I would like to see the documentation that was used to determine the accuracy of this account. I have submitted irrefutable evidence directly from my credit report, yet you continue to claim that the information is correct. How is it possible that Experian, as the entity responsible for maintaining consumer credit data, fails to ensure its accuracy? Please provide all documentation used in your investigation, including any paperwork, contracts, receipts, statements, or logs that substantiate your findings. If you can not furnish the requested information, this account must be removed from my credit report immediately. 

I expect written confirmation of the removal within 30 days. Failure to comply will leave me no choice but to escalate this matter further, including legal action if necessary.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX PAYMNT XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my serious concerns and file a formal complaint regarding an error in my Equifax credit report and the associated leak of my personal information, which I believe has compromised the security of my identity. This is a grave issue, and I kindly request Equifax 's immediate attention and resolution. 

Today ( XX/XX/2023 ), I noticed discrepancies in my Equifax credit report, where it seemed to be mixed with another individual 's information. Additionally, this error has led to my personal information being accessible to the said individual and vice versa. The mix-up and data leak have caused me significant stress and concern over potential misuse of my information.
Product: Debt collection

M.A.R.S Inc. is attempting to collect a debt that they purchased from XXXX XXXX XXXX, however the amount that they are attempting to collect is incorrect. The original amount owed was reported as {$3200.00} with an accumulation of charges including, XXXX XXXX XXXX XXXX, Filing Fee, Late Fee, Water Bill ( XXXX ), Removal of Furniture, lock replacement, Removal of personal items from bath, kitchen, clothes, blinds replacement, and unauthorized pet. After review of the inaccurate charges, I asked the apartment complex to remove charges such as, Furniture Removal, Removal of personal items from bath, kitchen, clothes, overall clean of kitchen and bath and lock replacement. all totaling to the amount of {$850.00}. They agreed to remove the charges since all of these things were done and keys were turned in but only removed the furniture removal fee of {$500.00}.
Product: Money transfer, virtual currency, or money service

EARLY IN XXXX WE WERE LOOKING FOR TEMPORARY HOUSING IN THE XXXX NY AREA ; WE WERE LIVING IN FL AT THAT TIME AND ANTICIPATING A VISIT WITH FAMILY IN NY. WE FOUND A POSSIBLE PROPERTY ON XXXX ON OR ABOUT XX/XX/year> AND SUBMITTED A RESPONSE. SUBSEQUENTLY RECEIVED A RESPONSE FROM FROM A XXXX XXXX, CLAIMING TO BE THE OWNER, CONFIRMING THAT THE HOUSE WAS AVAILABLE FOR RENT FOR OUR DATES. ORIGINAL LISTING ON XXXX INCLUDED PICTURES OF THE HOUSE AND PROPERTY ; COPY OF HIS EMAILED RESPONSE OUR INQUIRY ON XXXX, attached XXXX XXXX OFFERED THE FOLLOWING IN AN EMAIL INSTRUCTING HOW WE SHOULD SEND DEPOSIT USING XXXX. 

Hello, Here is the information on my wife 's account. 
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX Account Number : XXXX Routing Number : XXXX Bank name : XXXX ALL FUNDS WERE TRANSFERRED FROM OUR SUNTRUST BANK XXXX XX/XX/year> $ XXXX MONTH VIA XXXX BANK XXXX. SAME AS ABOVE XXXX {$100.00} PARTIAL LAST MONTH RENT AS ABOVE XX/XX/year> {$500.00} BALANCE OF LASRT MONTH RENT XXXX AS ABOVE XX/XX/year> XXXX SECURITY DEPOSIT XXXX AS ABOVE. 

WE AGREED ON AN ARRIVAL DATE AND KEPT HIM UPDATED AS OUR PLANS CHANGED. 

AT SOME POINT IASKED HOW WE WOULD GET ACCESS UPON OUR ARRIVAL ; HIS RESPONSE ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Hi, Upon arrival the keys will be handed to you by the property management company and all necessary details will follow. 

I have an offer for you, If you can come up with another 2 months rent now I will fortit the next month 's rent in the future. Let me know if you are interested ASAP as the reason is a family emergency. Thank you. 



NOTE HE ATTEMPTED TO GET MORE MONEY UPFRONT. 


UPON ARRIVAL WE FOUND THAT THE PROPERTY WAS OCCUPIED BY SOMEONEWHO HAD RECENTLY PURCHASED IT AND IT WAS NOT AVAILABLE FOR RENT. THE OCCUPANT TOLD US THAT WE WERENT THE FIRST PEOPLE TO SHOW UP EXPECTING TO RENT THE HOUSE, SHE HAD DISCOVERED THAT SOMEONE HAD TAKEN THE PICTURES OF THE PROPERTY OFF THE ZILLOW LISTING AND USED THEM TO CREATE THE XXXX XXXX.
Product: Debt collection

ok i recieved a letter from a collection company its called transworld system inc on XX/XX/XXXX trying to collect from XXXX for the amount {$410.00} a medical debt from XXXX XXXX hospital it was sent to collection agency and i called to tell them this and would not do nothing and it was on my XXXX  credit report i said i going to dispute it with the credit XXXX   bureas and so i did 25 days later came back verified so i could not re dispute it so here i am needing your help
Product: Debt collection

XXXX XXXX XXXX  summited my account for collections to XXXX XXXX XXXX XXXX in the amount of {$280.00}. I paid XXXX XXXX the full amount on XX/XX/XXXX. Earlier in XXXX, XXXX XXXX sold the account again to Nations Credit Systems.

I am in the process of refinancing my house and them doing this is uncalled for and illegal. Any assistance you can give would be greatly appreciated.
Product: Credit card

XXXX XXXX ( an online jeweler ) allowed me to finance a purchase. After the purchase the account was sent to Comenity bank. 

I requested a statement showing the account information on my status of paying it down. They have told me two times that they will mail the documentation, I confirmed my current mailing address about two months ago.

Ive never received anything and they just tell me to pay the account. 

I want to see what Ive paid, what I owe. Im beginning to think they dont have those details and are just threatening to mark my credit reports if I dont keep making payments. Its been about two years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 15 U.S.C. 1681 section A states I have rights to privacy. 15 U.S.C. 1681 section 604 A section 2. 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 records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 s-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

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, NA ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Debt collection

I was notified that this company is attempting to collect regarding an alleged debt. I need additional information in order to verify that this account belongs to me or they have me confused with a different person and/or this is a fraud situation. I have asked for the below with no response. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt.

4. Dates of original debt.

5. The address of where the said debt was owed.

6. Proof of the attempt to inform me in writing of my debt.

You must cease attempting to collect this alleged debt until after they have provided the requested information. This includes reporting it to the credit bureau.

If they continue attempting to collect on this debt or reporting the debt to all 3 collection bureaus without first providing written verification, they will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.

At the present moment I am homeless because I can't sign a lease where I need to work and I had a hard time with getting a job because they are reporting this to all three credit bureaus. It's already difficult to get a job as a XXXX person. According to the new CFPB rule ( see attached ) they must stop reporting because they didnt do the original due diligence at the beginning of their attempt to collect. They will need to show proof of how they contacted me. 
NOTE : I am XXXX  and can only be contacted via email or letter at a c/o address ( I do not live there ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card

I have always ensured that payments on this account are made on time, never letting them become overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I sent a dispute letter to EXPERIAN for reporting an inaccurate address on my credit report.. On XX/XX/XXXX, From the results of their investigation they said it was verified as accurate. I have documents of the inaccurate information and ALL my information under my social security number name and credit report should be accurate and correct.
Product: Debt collection

portfolio recovery is attempting to collect on an account that is of the statue of limitation of federal law prohibits debt being reported on a consumers credit more than 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2019 I sent Equifax 2 letters regarding errors on my credit report. The first letter was about to 2 XXXX XXXX XXXX  that are appearing on my report. They do not belong to me and should not be on my credit report. The second letter is about inquires that were not authorize by me nor did I give permissible purpose to request my credit profile. I received one response on XX/XX/2019 from Equifax stating that inquiries were verified. I did not recieve any letter from Equifax regarding the 2 XXXX XXXX XXXX XXXX. Which is a clear violation of the Fair Credit reporting act. In both of my letters I requested that they provide me with proof of investigation. They did not send me any proof. I have concluded that they did not do an investigation and sent me a computer-generated response. It does not say who they talked to, when they talked to them or what type of evidence they gave to support theses accounts. This is a violation of the fair credit reporting act. I included both my ID and Social Security card to prove my identity. The inquires and credit cards should be removed from my credit report immediately. I have attached both my letters and Equifax response. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my report I noticed a account i fo not recognize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX BANK # XXXX Account Name : XXXX XXXX AND CO XXXX XXXX Account Name : XXXX  XXXX BANK NA # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX CORPORAT # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX VEHICLE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I received a Nordstrom credit card in the mail that I never applied for. I called Nordstrom and told them that I never replied for the card and they told me that they shut the account down and would investigate. They asked for my Social Security number. Two weeks after I notified them, I received a credit card statement in the mail with charges upwards of {$1800.00}. I called them again and told them this account was fraudulently opened in my name. They said that the fraud department was still investigating and that I should wait to hear from them. Its been a month and I havent heard anything.
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 XXXX, XXXX and TransUnion 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. XXXX, XXXX and TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Dear CFPB, I am writing to request your assistance regarding a troubling situation I am experiencing with Ally Financial. I have found that they are repeatedly attempting to withdraw funds from my bank account without my consent. This ongoing issue has escalated to what I believe constitutes identity theft, and it must be addressed immediately. 

Despite my attempts to resolve this matter directly with Ally Financial, I was informed by one of their customer service representatives that they have no intention of ceasing these unauthorized withdrawals. Instead, I was advised that I need to ask my bank to stop the payments, which I find unacceptable. 

This situation has caused me considerable XXXX  and has negatively impacted my ability to provide for my family. As a single father, these unauthorized transactions are taking food out of my childrens mouths, and I can not allow this to continue. Also Ally Financial never returned my money. 

I respectfully request your intervention in this matter to help put an end to these unauthorized transactions and to protect my rights as a consumer. I appreciate your attention to this urgent issue and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely,
Product: Credit card

Bank of America has re aged a charged off account. This illegal tactic was found on both my XXXX Credit Report pulled on XX/XX/XXXX and my Transunion Credit Report on XX/XX/XXXX. Bank of America charged off the account in XX/XX/XXXX The status report on XXXX credit report has account charged off, but with a balance past due as of XX/XX/XXXX. This is re aging, a direct violation of the Fair Debt and Credit Reporting Act. Also, I have proof in the certified letters sent to them XXXX that they could not verify the debt. They must change the status immediately and stop re aging the debt. Proof is attached.
Product: Credit reporting or other personal consumer reports

There are multiple accounts on my credit report that were reviewed and our fraudulent as I do not own these accounts. Send in the information to credit reporting agency, XXXX, XXXX XXXX and expiren Items are still on my report and they stated verified. I have asked for information on how this was verified as this is my name and my credit report and these are not my accounts.
Product: Credit card

XXXX charged my Bank of America credit card {$16.00} for XXXX XXXX which I never requested nor did I authorize XXXX to charge me for that service. Bank of America says the charge has been finalized and I would have to have XXXX credit the charge. There is no way to contact XXXX on their site to request a credit for the charge.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I moved and the banks sent statements to the wrong address. I learned that the post office had the wrong forwarding address and when I discovered the issue, everything was resoled. I have always been committed to meeting my financial obligations promptly, and there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. 

XXXX XXXX XXXX ...., XXXX  XXXX XXXX ..., XXXX XXXX XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX ...., XXXX  XXXX