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

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00}
Product: Payday loan, title loan, or personal loan

I have had two previous loans with Speedy cash with have been paid in full, Ad Adstra is stating that I still have a balance with them. There is an account with Ad Adstra showing on my credit report in the amount of {$1400.00}. I do not have a contract with Ad adstra/Speedy Cash. am not liable for this collection or responsible for this debt. I have requested proof of this debt from The credit bureau and Ad Adstra.I was never sent any proof validating this debt even though I have requested it, I have been trying to resolve this matter since XXXX. I hope you can assist me to resolve this matter.
Product: Credit reporting or other personal consumer reports

After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a 3rd dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately. 

XXXX XXXXXXXX : Account number : XXXX, How is it possible that this account has a payment history when its a charge off. And I demand this to be removed. 

XXXX : Account number : XXXX, To the best of my knowledge, this account has never been paid late. Please look into this late payment and ensure that it is updated as paid. 

XXXX  : Account number : XXXX, To the best of my knowledge, this account has never been paid late. Please look into this late payment and ensure that it is updated as paid. 

XXXX XXXX : Account number : XXXX, To the best of my knowledge, this account has never been paid late. Please look into this late payment and ensure that it is updated as paid.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

On XXXX XXXX, I sold XXXX BTC for {$15000.00} on the XXXX cryptocurrency exchange. I then selected to have this money sent to my bank account using ACH. It was to take 3 to 5 business days or 10 total days. It never reached my bank account and there is no trace of it in the XXXX logs. I openned two tickets and have followed up with XXXX most days on this issue. I have called three times to follow up on this issue. Each time they say a specialist is researching it and they will get back to me. I never hear anything. I would like to have my money refunded to me. My XXXX case number is XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Upon obtaining a copy of my credit report, I noticed that there is negative/inaccurate information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see entry listings for charge-offs in the amounts {$2000.00}. 
As per IRS publication 4681 section on Canceled Debts, Cancel Debts ( Certificates Of Indebtness ) are considered income. Income can not be reported on a consumers credit profile or to credit agencies. This is a direct violation of the Privacy Act Of 1974 ( 5 U.S.C. 22a ), as well as FCRA. I have the right to make sure my private information isn't shared which is also backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Vehicle loan or lease

I have been making payments for my property taxes for the leased vehicle XXXX XXXX since 2017. KIA Motor finance assumes this payment is NOT being made and demanded to make the payment in excess of {$2400.00} for all the previous years. I have shown them the payments made over XXXX County VA website for the same vehicle. I have gotten no response from them. They demanded me the entire amount else report to Credit Bureaus. I see a comment made on few credit bureaus that this account is past due. 
Please help me. I have evidence related to payments and email communication Attached are the two files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest is inaccurately reporting that my account was 30 days past due. I spoke with them and they were not able to explain how the 30 days are past due ( a payment was made before the 30 day time frame ) XXXX
Product: Credit reporting

Around XX/XX/XXXX or XX/XX/2016, I had received a bogus billing from XXXX # XXXX regarding a {$230.00} bill with XXXX. I immediately called XXXX @ XXXX, explained that I had never had an account with XXXX XXXX and received their statement that their records would be corrected and the matter would be resolved. Shortly thereafter, I received a bill from my XXXX Credit Card and I noted that my XXXX d fallen about XXXX points to the XXXX range, so I ordered my free credit reports from the XXXX credit bureaus to investigate the situation. I received the credit reports and noted the bogus report from XXXX on XXXX reports, XXXX & TransUnion, so I filed disputes with both companies XXXX had the item deleted, but TransUnion just added a note that " acct was disputed by Consumer '' with a removal date of XXXX. On XX/XX/2016 I filed a second dispute with TransUnion and n XX/XX/2016 I sent a formal complaint to XXXX, with no reply to date. My XXXX score remains at XXXX, due to this bogus reporting by XXXX. Your assisting in deleting this bogus report from my TransUnion account would be greatly appreciated! Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Here to establish this party having full faith and credit, to nearly any amount of debt tendered.

Please see attachments.

With substantiated facts, I place a postage stamp backed by gold, with my endorsement across diagonal, dated XX/XX/2024 XXXX : no dashes, pursuant to being alive, living, flesh and blood, repudiate signatures, power of attorney and any contractual obligations I didnt not knowingly, willingly and intentionally commit to. 

The facts of international bill of exchange will tended all debts, and pursuant to 12 U.S.C. 411 alongside a host of codified notations, as well as treaty benefits expressed pursuant to XXXX and XXXX forms completed. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit file has no credit score. Which it had before. I got scammed by a company last year that had my social and all personal information and nothing was done about it. There are things on my credit that are older than XXXX XXXX XXXX. I mean they just dont care and they break credit laws each and every day.
Product: Credit reporting

I 've disputed these items with TransUnion on several occasions now. These items are over 7 years old. XXXX is reporting an incorrect " First Date of Continuous Delinquency ''. They have extended the reportability of these XXXX listings by an extra 2 years, these XXXX items should have been removed from my credit report on or around XX/XX/XXXX. 

XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$12000.00} Below is a copy of the agreement where it clearly explains the Deferment End Date. In my case, ( ii ) is the earliest of 180 days after the Borrower ceases to be enrolled at the School. It is NOT ( iii ) 2 years after the date of the loan disbursement, as that would be a later date. XXXX has purposely chosen to report this INACCURATELY based on ( iii ) causing this item to report on my file by an extra 2 years!!! 

According to the attached agreement ( XXXX ) the Academic Period was from XX/XX/XXXX-XX/XX/XXXX. I was enrolled for XX/XX/XXXX ONLY ( See attached class enrollment schedule ). XXXX assumed that because it was a XXXX College that the enrollment period would be 2 years. Reportability of these XXXX items should be 7 years from the 180 days after my enrollment period of XX/XX/XXXX, making the Date of Continuous Delinquency XX/XX/XXXX plus 7 years for reporting this to the credit bureaus therefore these listings should no longer be reporting on my credit report after XX/XX/XXXX NOT like they are currently reporting on my credit. 

XXXX is listing the First Date of Continuous Delinquency as XX/XX/XXXX for loan amount {$29000.00} and XX/XX/XXXX for loan amount {$12000.00}. Furthermore, they 've reported different Last date of continuous delinquency dates per the XX/XX/XXXX credit report and the XX/XX/XXXX report. 
These items should have been removed from my credit report based on the FCRA section 605 ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
I 've been disputing these items for 2 years now, the last letter XXXX sent me dated XX/XX/XXXX states that they will not reinvestigate this information again. How can they get away with this inaccurate reporting for 2 years, I 've sent multiple disputes over the last 2 years and made several phone calls! XXXX has re-aged this items and is in violation of the FCRA. 


Enclosures : Agreement XXXX pg & Student Class Schedule XXXX pg
Product: Credit card or prepaid card

Applied for a credit card to be subsequently denied because " Based on your application information, application submitted is incomplete or can not be verified ''. Upon contacting Capital One they said my form of ID was not valid and could not be verified within their system despite my ID being a Georgia State issued Commercial Drivers License. I spoke to the following agents at the fraud detection department ; XXXX XXXX, XXXX XXXX & XXXX ( who just hung up on me. All agents were incredibly disrespectful, all agents said that my application was denied and they couldn't tell me why my ID couldn't be verified and advised me to reapply, I asked them to please just look into my ID issue and forget about my application and the rudely refused. XXXX started bickering with me when I mentioned that a CDL ( commercial drivers license ) is an even higher rated type of ID than a regular one and she said its not because her dad has one and she looked it up on the internet, dismissing the fact that I am a CDL Holder and I own a XXXX XXXX that hires other CDL owner and I know what I'm talking about. She proceeded to tell me that no one was going to be able to look into this for me. XXXX told me the same thing not before speaking to me in an incredibly condescending manner, saying that he could not provide me with " life advise '' when I was not asking for that rather for someone to look at my ID and figure out what went wrong. He transferred me to XXXX who just hung up right after answering.
Product: Mortgage

This is not the company the borrower applied with, they purchased a trigger lead from the credit bureaus ( which is legal ), however the phrasing in their text message to the borrower is deceptive and misleading. And there's no acknowledgement that this is not the lender they applied with.
Product: Debt collection

From XXXX or so of XX/XX/XXXX I had noticed on my XXXX XXXX XXXX bill that there were XXXX to XXXX extra lines added. I called and was put in touch with the Fraud department through XXXX XXXX XXXX. It was investigated and the lines were fraudulently added out of Louisiana. All charges erased/cleared. 
I receive calls and letters from ( XXXX ) XXXX XXXX XXXX about {$2200.00} being owed. I explain and they still say I owe this money. Then after another notice from ( XXXX ) XXXX they try and collect this same amount, I explain once again. Then I call XXXX back, they inform me once again I do not owe anything to them and to file a complaint with the FTC, in which I did in XX/XX/XXXX. Ref # XXXX I did not hear anything back untila notice from ( AFNI ) on XX/XX/XXXX trying collect his same amount from XXXX XXXX XXXX XXXX. I called AFNI myself and explained the dispute and the history of this ( mystery ) debt and that I had filed a complaint with the FTC on this and was doing so again today XX/XX/XXXX They transferred me to a XXXX XXXX who would work my dispute at # XXXX. In which I called and left a message concerning this FRAUD. 
I called the FTC today and they transferred me here to file this complaint. 
I am at my whits end dealing with the threats of collection, threats of damaging my outstanding credit on something that is not so, according to my carrier XXXX XXXX XXXX of whom I have been with for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In due of respect XXXX, XXXX and Transunion I like to purchase a new home in XXXX, California but because of credit reporting Agencies. 
I am having some issues because of Derogatory Remarks on my credit reports. 
1.XXXX  XXXX Services Charge off of {$11000.00} this vehicle was returned to lender and Lender Sold it in 2020. A Natural Disaster of Covid19 Pandemic/ XXXX  Financial Hardship 2XXXXXXXX XXXX XXXX  Charge Off of {$6000.00} vehicle was returned and Lender Sold it. Natural Disaster of Covid19 Pandemic/XXXX  Financial Hardship 3.XXXX. Charged Off of {$6000.00}. Natural Disaster Covid 19 Pandemic /XXXX  Financial Hardship.

Lender didn't want to agree on payment arrangement of {$7000.00} a month so they went ahead put account as Charged Off.

4XXXX XXXX XXXX XXXX  balance is Zero, 5.XXXX XXXXXXXX XXXX XXXX XXXX Balance is Zero 6.XXXX XXXX XXXX XXXX Balance is {$190.00} 7.XXXXXXXX XXXX  Balance is 300.. { Derogatory Remarks of Late Payment is not accurate as I never been late on payments.I filed complaints against Company and they Retaliate against me because of National Origin as a XXXX XXXX XXXX. 

Current Balances as of XXXX and my credit utilization is under the 26 % -21 % -Percents.. 

I am XXXX XXXX, Retired and a XXXX XXXX XXXX XXXX Veteran With Honor and Respect Always.
Product: Credit reporting or other personal consumer reports

CONN APPLIANCES INC Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. {$980.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$3100.00} XXXX updated XX/XX/XXXX Never open account with Conns Furniture. Contacted fraud department sent docs over to fraud. Accounts never deleted. Did not open.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX AND XXXX HAS COLLECTION ON MY CREDIT REPORT THAT ARE NOT MINE AND THEY REFUSE TO DELETE. 

ACCOUNTS THAT ARE NOT MINE. 
* The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

* The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

* The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

You will find all the details in complaint XXXX closed in XXXX. 

The complaint was made by XXXX XXXX one of the users of the card. In a letter I received XX/XX/2022, the bank wanted me, XXXX XXXX the other user and account holder, to confirm that the complaint came from me. I called them a few days later and they only asked me to confirm my identity. 

Since then I have no news from them. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not been complaint under the guidelines of XXXX XXXX format compliance as well as have not been compliant to my consumer rights under the fair credit act section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as under the fair credit act has not provided section 609 ( A ) 1 sec 611-2A1 ( 2B have not provided me anything proper documentation or proper contracts that goes against my accusation. Experian has also ignored all proper documentation Ive provided legally including police and F.T.C report this account XXXX bank that begins with XXXX as listed on the credit report still shows on credit reported after it had deleted and blocked this account should not be displayed on my credit report as well as im block from disputing the account online ever again in which I was told by Experian customer service fraud department
Product: Bank account or service

I XXXX XXXX XXXX in sound mind legal attorney legal XXXX acc # at citibank route # and account with address XXXX XXXX XXXX XXXX and account with old address XXXX XXXX XXXX XXXX XXXX XXXX citi bank never placed my XXXX acount in my XXXX XXXX acount and never reseved my statement forward to me with a XXXX dollar shopping spree from XXXX
Product: Credit reporting or other personal consumer reports

Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX consumer report 's. 

Equifax XXXX XXXX 's, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I have identified information on my Credit Reports that are a result of Identity Theft. These items are not related to any transaction completed by me. I notice that this company XXXX XXXX XXXX is on my credit reports, I have no knowledge of this company, nither did I have any contract with them or neither do I have any signed agreement with this company. They are billing me for {$650.00} dollars on my credit report. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT AGAINST XXXX XXXX XXXX XXXX See ATTACHMENT THIS IS A FRAUGLENT ACCOUNT.
Product: Student loan

My student loans were I deferment due to my change of address and I was not receiving ANY forms at all from them nor phone calls. I did not know these were on my report until I went to try to buy a car and they told me. I called them set up auto payment for 9 months ; after the nine months were over I contacted them several times about setting up new payment plan. In XX/XX/2019 they told me THEY would send me stuff in the mail to my new lender. I called them AGAIN, multiple people have told me several things, different amounts to pay, different ways to pay, different lenders, etc. XXXX I started making my payments again I may them up until XXXX I believe and we made a call saying we couldn't afford the amount we were paying. They told us they would determine our bills monthly and income and then make our payment schedule, which was a lie. So then we get told someone will contact us again. No one mailed us anything and we were 90 days late once we tried to buy a house and we found that out and they said they were emailing us all the stuff, in which they had the WRONG email address. We have since put it on auto pay, we have disputed and wrote goodwill letters. This is ruining our life. Can you please look into this and see if it can be fixed.
Product: Credit reporting or other personal consumer reports

Experian has numerous accounts in my credit report with inaccurate information. I have tried resolving this issue but they refuse to assist me. This has caused me to hardships in obtaining future credit cards, housing, etc. There are accounts that have been reported to have more than the amount of missed payment dates, inaccurate information. There are inquiries that are not recognized. Due to experience false reports, credit score is very low. Numerous amounts of disputes have been created and later on rejected.