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

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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

Kay Jewelers keeps calling my work phone number. They acknowledge it is my work number and they ask for me and identify who they are and why they are calling. They call my cell phone with multiple numbers throughout the day starti ng at    XXXX   XXXX   and call repeatedly throughout the day. If I am unable to answer the call they immediately call my work.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE. 
EXPERIAN IN IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE EXPERIAN CONSENT TO REPORT THESE INACCURATE ITEM ON MY CREDIT REPORT. 
EXPERIAN DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXX XXXX XXXX-NOT MINE SOCIAL : XXXX-NOT MINE. 

ADDRESSES : FL, XXXX XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FM XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX -- Never lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX  -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE XXXX XXXX/XXXX XXXX -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX XXXX XXXX -- NOT MINE XXXX XXXX  XXXX  -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score never goes up and I have collections that I knew nothing about. Had 2 bankruptcys that I never had. I talked to an attorney but I never filed bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Opened XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX  Opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account Number : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have some private education loans through Navient used for XXXX University, who is XXXX of the schools listed under the XXXX v XXXX lawsuit. Other people in similar situations, who attended XXXX have been offered discharge applications via mail or email. What are the criteria for the discharge and why are others in similar situations not being offered the discharge application.
Product: Credit card or prepaid card

Navy Federal Credit Union continues to report an account for me that is well beyond reporting in the 7 year statute of limitations. I have tried to do multiple disputes through the credit bureaus that are ignored and there has been no validation of the debt proving th at Navy Fe d is right in their reporting. The last activity on this account was approximately in  XXXX  o f 2008.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with TRANSUNION, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX Incorrect DOB - XX/XX/year>XXXX  Incorrect Address - XXXX XXXX XXXX, XXXX, IN, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX XXXX, AR, XXXX EMPLOYER - XXXX EMPLOYER - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send in certified letters to compose and credit bureaus about the unknown inquiries on my credit report XXXX XXXX XXXX XXXX   ) XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I do n't recognize a debt forwarded to this company in my name. I received a random email 3 days ago on an account I do n't use ( luckily randomly checked my inbox today ). It was related to XXXX XXXX, whom I was a client of in 2015 but do n't recognize the charge they 're pursuing against me. I never did a {$100.00} transaction, which both companies say I owe. I refuse to pay something I did n't do and will not tolerate any impact to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am a victim of Identity Theft. I previously submitted a dispute, but it wasn't properly investigated. They completed my dispute without receiving my Police Report and ID Theft Report. The following accounts were fraudulently opened in my name : XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX  XXXX XXXX  Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. 
Opened : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : Unknown Amt. Unknown XXXX XXXX XXXX. 
Opened : Unknown Amt. Unknown The following inquiries were also fraudulently opened in my name : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this report 18 times with each credit bureau. The credit agencies will keep this late fee. They have been told via telephone and letters.
Product: Credit reporting

This complaint I am submitting is on equifax. This credit reporting company is reporting wrong incorrect information on my credit file. I just received an e-mail with the results of there so called investigation which took less than 10 days. XXXX acct # XXXX first it reported that my payments are {$4800.00} per month. I disputed that information as that was completely incorrect. Now they are reporting that my balance is {$4800.00} which is still wrong. I had an auto lease opened XX/XX/2013 for 36 months with payments of {$320.00} per month. The lease was up ( I returned the vechile 1 month prior to the 36 months ) and re-leased another vechile from them. The report is showing that they received payments for 28 months that would mean that the car was turned in 8 months prior to the lease expiring. This information is WRONG. I do NOT owe {$4800.00}. XXXX took my last months payment being I turned the car in 1 month early and put it into my new lease. I am very aggravated with equifax as they are just throwing any information on my credit report which is causing my credit score to decrease. I myself contacted XXXX and confirmed that the lease was to full term and paid. I feel equifax is not doing a proper investigation as it would come back to them that this account was PAID in full with NO balance. acct # XXXX. My next complaint is equifax said they completed there investigation and again with acct # XXXX XXXX it was first reporting as a {$380.00} charge off ( which is also wrong because this account was paid in full ) it now it showing a high balance of {$560.00} with a note ( charge off amount XXXX ). Under the comments though it says there was a charge off. This information is completely wrong. XXXX is no longer in business. I was told by a prior rep that they ( equifax ) never received a response from XXXX when I disputed this months ago. I was told by law it is to be deleted. I monitor my credit file very closely as my credit worthiness is extremely important to me. I have been trying to have equifax correct and delete these XXXX accounts as it affects my credit score. I will again be submitting a complaint to the Better Business Bearou again about equifax. This is my credit worthiness not there 's and this credit reporting agency is terrible. I wish to submit this complaint in hopes they will finally correct and delete these XXXX items as they should not be reporting wrong information like this on my credit file.
Product: Money transfer, virtual currency, or money service

To whom this may concern, *PLEASE ESCALATE THIS ISSUE TO CFPB OFFICERS AND LAW ENFORCEMENT OFFICIALS WHO DEAL WITH AML/BSA/MONEY LAUNDERING ISSUES* The attached documents are a series of money transfer documents that shows Western Union is and has been : 1. ) Failing its duty to reject suspicious transfers. 
2. ) Structuring transactions for customers to avoid red flags. 
3. ) Allowing multiple senders to send a series of transaction ( on the same day and often within minutes of eachother ) to avoid red flags. 
4. ) Allowing transactions to be received via a fake identification document ( with clearly fake names ) or accepting kick-backs for falsely verifying a money pickup without actually seeing a true identification document. 
5. ) Etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1605 - Determination of finance charge It has come to my attention that before I purchase my car I was charged a fee XXXX dollars and which time I was told that this would be needed to purchase my car I have been looking up laws and was determine that this a violation of the consumer law that I just stated This XXXX dollars was not applied to my loan amount and was in direct violation of the above consumer law please have someone contact me immediately or I will hold enterprise civilly liable My down payment was paid threw a online portal XXXX  days before I received my car I Have the original contract and the total cost of vehicle is not accurately displayed I was told that I had to pay XXXX dollars to receive my car which is a violation of truth and lending act
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I signed an agreement with XXXX bring my account current. XXXX refused to allow me to participate in the programs offered due to loss of employment during XXXX. XXXX offered the option to Defers payment for XXXX customers up to XXXX  days during. I was not offered this option by the representatives in customer service. 

On XX/XX/XXXX I sent an email To XXXX XXXX XXXX of XXXX XXXX. And intern I was contacted by XXXX in XXXX customer relations whom issued an agreement. This is the agreement that I signed on XX/XX/XXXX. 

The XXXX financial account shows as charged off. I have not received a letter or XXXX indicating the account is charged off so it does not count against my XXXX XXXX.
Product: Credit reporting

I have a XXXX collection in my accounts thati am not liable for & should be closed and deleted off also I have a utility for XXXX $ that has been over 8 years and is closed and should be removed also XXXX in my account for collection was deleted do n't understand why its still there also would like to have my inquiries removed and update address to XXXX XXXX XXXX can XXXX also have XXXX student loans from XXXX XXXX that have been closed and not bad history for 8 years and still have n't been removed please remove thankyou
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, Equifax and advised I'am a victim of identity theft.on multiple occasions and the fraudulent accounts remain reporting negatively affecting my credit score on my credit report.The following account remain on my credit report.The Bureaus have done nothing tor Resolve this issue.Per The FCRA ACT623A ( 7 ) Negative information Must be removed immediately. I'am Requesting a CEASE DESIT AND BLOCK THE ACCOUNTS PERMANENTLY. ACCORDING TO THE FAIR CREDIT REPORTING ACT FCRA, SECTION 1681C ( 2 ) .BLOCK INFORMATION RESULTING FROM IDENTITY THEFT. 


Account # XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX AMOUNT XXXX, XXXX Account # XXXX XXXX XXXX XXXX DATED OPEND XX/XX/XXXX AMOUNT {$6000.00} Account # XXXX XXXX XXXX DATE OPEN XX/XX/XXXX AMOUNT XXXX Account # XXXX XXXX XXXX date opened Dated OPENED XXXX AMT. {$7200.00} Account # XXXX DEPT OFED/XXXX opened XX/XX/XXXX AMOUNT {$4000.00} Account # XXXX DEPT OFED/XXXX opened AMOUNT {$1600.00} Account # # XXXX DEPT OFED/XXXX opened XX/XX/XXXX AMOUNT {$3600.00} Account # XXXX DEPT OFED/XXXX  opened XX/XX/XXXX amount {$2400.00} Account # XXXX DEPT OFED/XXXX opened XX/XX/XXXX amount {$3600.00} Account # XXXX DEPT OFED/XXXX opened XX/XX/XXXX amount {$2500.00}
Product: Mortgage

CitiMortgage continues to access my checking account UNAUTHORIZED. 
My Mortgage is current and they have tried to collect 2 months of forward payments 3 times in the last 7 days. Each time, the account is put into overdraft and fees are charged by my bank. 
I have called CitiMortgage twice in the last XXXX hrs and asked them to remove all access to my checking account, they said it was completed and they continue to access my account without any approval or acceptance by me. 
CitiMortgage is out of control and can not manage an account that is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now the 2nd time I have had to report inconsistencies from AES based on the actual balance of an account and my personal Credit Report. AES has yet to resolve the inaccuracy. Failing to correct this may result in a Civil Complaint being filed against AES for failing to provide accurate reporting to the Credit Bureaus. This is a serious concern when inaccurate information is either withheld, purposely falsified, or intentionally changed inaccurately or left unchanged inaccurately. 

As of XX/XX/2020, the Report is now 5 days inaccurate as a recent payment was established and resolved any delinquency on XX/XX/2020. Please make every coordinated effort to provide factual information to the Credit Bureaus, as this information is not correct, notwithstanding, this inappropriate series of inaccuracies justifies litigated action on my part, and AES risks that possibility.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/2024 XXXX Department XXXX XXXX XXXX [ Addresses of XXXX, XXXX, and XXXX ] Re : Dispute of Account Information Pursuant to Fair Debt Collection Practices Act ( 15 USC 1692c ) To Whom It May Concern, I am writing to dispute the accuracy of information regarding an account with VANCE & HUFFMAN LLC, as reported by your agency. This dispute is made under the provisions of the Fair Debt Collection Practices Act ( XXXX XXXX XXXX ). 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/2024 I have reviewed my credit report from [ XXXX XXXX and XXXX XXXX information regarding my account with VANCE & HUFFMAN LLC XXXX Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
I am requesting a thorough investigation into this matter in accordance with my rights under the Fair Debt Collection Practices Act. Please investigate this dispute and correct any inaccurate information in my credit report. Additionally, I request that you notify me in writing of the results of your investigation and provide a corrected copy of my credit report. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents substantiate my claim and demonstrate the accuracy of my account information. 
Furthermore, please ensure that any corrected information is provided to all credit reporting agencies that have received this inaccurate information. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

On XXXX XXXX  a check was issued and paid to Credit Corp Solutions to pay a old CC debt in the amount of {$5600.00} that originated from XXXX XXXX XXXX XXXX On that very same day Attorney XXXX XXXX XXXX XXXX. filed a law suite in XXXX XXXX XXXX XXXX on behalf of Credit Corp Solutions stating this debt had not been paid. I have made several contacts to XXXX XXXX XXXX without a reply for past XXXX weeks now included copy of the Check and Cleared Check from the Bank, including mail/email and Fax. XXXX & XXXX XXXX. appear to be on a quest to negatively ruin my reputation and cause me more financial burden with a illegal law suite with the XXXX XXXX of XXXX XXXX. 
The Debt has been paid there is no reason to continue with a law suite or further negative harassment from XXXX & XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance is still reporting to credit bearueas and its over XXXX XXXX XXXX. I disputed with XXXX and they said it was verified as accurate but I have proof its over XXXX XXXX XXXX. This should not be showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX. Paid a {$90.00} program fee to open the account. First premier sent credit card to wrong address and when I called to advise that I havent received a car and advised my correct address again, they sent out the new card but it had charges on card from the previous card that was used in fraud. I disputed the charges and they refused to take them off. How can I make charges on a card I havent received yet. The charges maxed out credit limit and I refuse to pay fraud charges on a brand new card that were made prior to me receiving the physical card. The account was closed as a result. I am asking for my program fee back and for this credit account to be removed from credit file. Negligence on behalf of XXXX XXXX to conduct a thorough investigation and remove fraud charges