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

Purchased a vehicle from XXXX XXXX XXXX. I no longer have this vehicle due to the motor going out in the vehicle 5 months after purchasing. I never made a payment to XXXX XXXXXXXX XXXX all my payments were made to XXXX XXXX XXXX. According to my records, I believe that this loan has been incorrectly marked as open/active, and I would like to request a thorough review and correction if necessary.
Product: Debt collection

It took XXXX years apparently for it to be reported to the credit bureaus for me to see it. I haven't received notification recently. I contacted XXXX XXXX XXXX and told them that I had contacted ACP XXXX years ago and the bill was XXXX 'd out and paid by them. I qualified for XXXX balance connectivity. I have no idea how this ever went to collections. I have had no interruptions in service so I think that someone accidentally sent this to collections before it was paid since the Federal program frequently would take a while to make the payment and bring me up to date. It may be a matter of XXXX system says that the bill is paid and another system says that it isn't When I called a few days ago she said it looked funny in the system and sees how all the bills looked paid for by ACP except this one in the middle of the others. However ACP said that this bill for {$110.00} was resolved. How did this bill surface again after being cleared according to ACP customer service? I don't know but it shouldn't be allowed to be submitted since it was resolved and paid for by the ACP Federal Program.
Product: Debt collection

I tried to make payments to the original company XXXX and then XXXX was put on the account without any email from XXXX or phone calls about the account being late. XXXX, never sent me any details on this being owned or sold to them. Now Unifin Management is telling me they own the account from XXXX with not proof or notice that this has happened.
Product: Bank account or service

Under the Deceptive Trade Practices Act, Scottrade Inc. was found liable for misrepresentation of material facts that resulted in losses to individual investors such as myself and many others. Scottrade 's negligence and omission of material information pertaining to the sale of known harmful securities to the public is not only highly unethical but bordering criminal activity due to its commission structure that encourages such activities to occur at the great expense of hard-working ordinary investors who have saved up all their life only to lose it all to somebody who took advantage of the system. 

Scottrade needs to be sued and ordered to pay compensatory damages to victims as well as punitive fines for violations of securities regulations. Otherwise, more ordinary individual investors and naive investors will lose their hard-earned money to Scottrade 's deceptive practices, material omissions, misrepresentations, and negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer.

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX PL XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$3800.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXXXXXX 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, credit repair services, or other personal consumer reports

I have repeatedly attempted to dispute with Experian incorrect derogatory information reported by XXXX XXXX  services during 2017. Experian has done nothing to investigate other than pass my dispute on to XXXX and allow them to self-report as they wish. I actually mailed Experian a year 's worth of 2017 unredacted bank statements ( attached ) which clearly showed I made timely payments for the account in question. Experian merely forwarded my bank statements to XXXX and the account remained unchanged. Experian has assumed no duty to provide accurate information regarding this acccount despite my repeated efforts to have it resolved. XXXX continues to lie about the maintenance of my account. 

This started back in 2017 and I wrote XXXX ( see attached ). XXXX failed to ever respond. I am the victim of gross incompetence by XXXX and Experian has done nothing but serve as a pass-through for XXXX despite being presented evidence that XXXX is incorrect and unfair reporting.
Product: Credit reporting or other personal consumer reports

I am writing this complaint regarding late payments with CAPITAL ONE. There are late payments being furnished on my consumer reports that are incorrect. I was never late regarding this account. I am requesting that these late payments be removed. I have already called CAPITAL ONE to confirm this to be true. It is in fact an error. I was told to dispute it with the consumer reporting agencies. The late payments are an error. XXXX XXXX XXXX BILLING ERROR.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : US DEPT ED # XXXX US DEPT ED # XXXX XXXX XXXX XXXX # XXXX 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: Checking or savings account

My card was blocked I called and verified all my information with the bank than my account was unlocked. Five minutes latter my account was locked again after spending up to 8 hours on the phone with the bank and going through several verification processes I was than told that the account was under review and that it could take up to 10 days for me to get a response to it. We are in the middle of a pandemic and I have no way to survive. In addition the bank is not giving me any information as to what is going on with my account and why it is under review. My bank is Citi Bank
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 
, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Aggressive Dispute of Unauthorized Address and Hard Inquiries on Credit Report To Whom It May Concern, I am writing to express my extreme frustration and dissatisfaction with the unauthorized entry on my credit report. I recently discovered that an address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reported without any form of authorization from me. This unauthorized entry has severely affected my credit standing and caused undue distress.

Section Codes : According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( A ), I am entitled to know how this address was verified using my identification details. I hereby request you to provide explicit details regarding the verification process, including the method used and the documents utilized to confirm my association with the said address. 

Additionally, I vehemently dispute three hard inquiries that appeared on my credit report on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These inquiries were made without my knowledge or consent, leading me to believe that my personal information has been mishandled or misused. 

I demand an immediate investigation into the legitimacy of these entries. As per the FCRA, Section 611 ( a ) ( 1 ) ( A ), it is your obligation to ensure that the information on my credit report is accurate and up to date. Failure to uphold this responsibility will result in legal action being taken against Equifax for non-compliance with federal regulations. 

I insist that you remove the unauthorized address and the disputed hard inquiries from my credit report promptly. Failure to take appropriate action within 30 days from the receipt of this letter will result in the involvement of legal authorities and relevant regulatory agencies. 

Please provide me with written confirmation of the actions taken to address my concerns, along with an updated copy of my credit report reflecting the corrections. 

I expect your full cooperation and compliance with this matter. Your prompt resolution of this dispute is of utmost importance to rectify the damage caused to my credit standing.

You may contact me at XXXXXXXX XXXX XXXXXXXX to discuss this issue further. 

Sincerely, XXXX XXXX
Product: Mortgage

Hello I brought a home XXXX 2014 a XXXX time buyer XXXX XXXX woman and I was sold a house a complete lemon. Structural damage to my home that is so costly I will be unable to live in the home. I spent {$110000.00} for garbage. This was FHA loan but I really think the realtor was in on the scam. This house is not any good the seller moved to XXXX he hid so much with this house its unbelievable but the bugling wall with horizontal crack was right in the inspector face. I want justice in some way
Product: Debt collection

I sent a validation letter to Caine & Weiner Inc. via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 to validate the debt they claim I owe. I have no knowledge of a debt or obligation so I asked them to kindly validate in a notice but they didn't respond. They are currently causing financial injury to me and making it difficult to acquire credit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX on my credit report. The inaccuracies in question are reflected in the following account ( XXXX ) on the respective date ( XXXX ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian continues to list an account on my credit report that is from identity theft and fraudulent activity, in violation of FCRA.
Product: Credit reporting or other personal consumer reports

Someone has access to my Social Security number and has opened up, fraudulent credit accounts, loans, insurance, policies, and car loan. Also, theres incorrect addresses on my credit file, places that Ive never been in my life. Ive submitted disputes of about this situation before and the credit bureaus claimed that they verified this information. Ive requested information on how they verify this information, and they could not provide that to me. I need this stuff removed off my credit report as soon as possible. Heres a list of fraudulent accounts. 

XXXX XXXX XXXXXXXX {$15000.00} XXXX XXXX XXXXXXXX {$9800.00} XXXX XXXX XXXXXXXX {$10000.00} XXXX XXXX. {$17000.00} XXXX XXXX  {$57000.00} XXXX XXXX  {$250.00} XXXX XXXX  {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without authorization Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft TD BANK NA Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft NORDSTROM/TD BANK USA Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

i pulled my Experian credit reports and discovered the enclosed frauduelent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent with a formal complaint that they are reporting inaccurate and incomplete credit information. I am distressed that they ( XXXX, XXXX, AND EQUIFAX ) have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports they 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. The following information therefore needs to be deleted. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed below. They failed to positively verify these accounts and it has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me with a copy of verifiable proof, they must remove the account listed below. The list of collection that are reporting has not been opened by me and I have no knowledge of them. By law I have the right to PRIVACY and you the credit reporting agencies have violated itthe list of accused collections account and dates are as follows : XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX  OPENED XX/XX/XXXX, XXXX  OPENED XX/XX/XXXX, XXXX XXXX  XXXX OPENED XX/XX/XXXX, XXXX OPENEDXX/XX/XXXX5.BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting The Congress makes the following findings with banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies added reasonable procedures for meeting the needs of commerce for consumer credit personnel, insurance, and other information in a manner which is fair and equitable to the consume, with regard tot eh confidentiality, accuracy, relevancy and proper utilization of such information in accordance the requirements.
Product: Debt collection

I made a purchase from Sears and made the final payment XXXX/XXXX/XXXX, and they admit receiving it by XXXX/XXXX/XXXX. Clearly I owe a late fee, but they keep sending statements claiming the balance has increased. with no mention of a " late fee ''. I 've tried resolving this by phone and letter, but now they claim I have a {$190.00} " balance ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing these fraudulent inquires please remove them because I did not authorize any of the following. 

1 ) XXXX XXXX XXXX ( 1XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 3 ) XXXX XXXX XXXX XXXXl ( XX/XX/XXXX ) 4 ) XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX (XX/XX/XXXX ) 6 ) XXXX (XX/XX/XXXX ) 7 ) XXXX XXXX XXXX (XX/XX/XXXX )
Product: Credit card or prepaid card

This is in regards to a previous complaint, XXXX. 

The original complaint was about XXXX Credit card not allowing me to pay off my credit card and refusing payment. This account was closed in 2021. I have not used it since then. 

After the complaint, I received a letter from XXXXXXXX XXXX managing bank, XXXX, stating that they'd now accept my payment, and I was able to pay it off in full and be done with it. I did just that, immediately paying off the balance in full. They removed the account from my credit report and listed it as paid. 

Until now, they're saying that somehow I owe {$700.00}. They've sent me another statement, and they've put it BACK on my credit report. 

It appears they have possibly sold debt to " absolute resolutions investments ''. So they accepted my payment and then sold non existent debt? 

I just want this to be done with and for them to leave alone. I thought I resolved this months ago, but apparently not
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : Good Day, My name is XXXX XXXX - an Identity Theft victim of the 2017 XXXX Data Breach - and I am contacting you to uphold my rights as a U.S. Citizen in accordance with the Fair Credit Reporting act. 
- - The List of XXXX Accounts below have Violated my Federally Protected consumer rights to Privacy and Confidentiality under XXXX USC 1681 listed below : 1. ) XXXX XXXX XXXX = Account # : XXXX XXXX. ) XXXX XXXX = Account # : XXXX XXXX The Above XXXX Accounts have violated my Rights as per the following Laws :. 

~ 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 ~ 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. 

Thank you dearly for your diligence and time.
Product: Checking or savings account

On Monday XX/XX/2022, my account was charged for {$340.00} by pretty little things limited. I disputed the charges with Chime and the dispute was denied. No explanation was given as to why the dispute was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was disputed with the bureau and the company as being reporting incorrect information as far as date last active which transunion show XX/XX/2018, XXXX  shows XX/XX/2018 and XXXX   shows XXXX  2018. also showing a past due when the account is a charge off. after disputing and pointing out these inaccuracies they fail to update or delete the inaccurate information. also late payment is still being reported after the account as been closed.
Product: Debt collection

dear agency I was robbed I already made a report here to let you know that the thief used my documents to commit crime and fraud in these last months I'm suffering a lot with so many calls I'm getting from companies and unknown numbers about these collections are asking me to pay money I am also under threats for this reason I moved house I went to live in another city I am very scared they are cursing me and they are threatening please delete these fraudulent collections on my credit God bless you
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation!

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights!

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

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Mortgage

XXXX  XXXX  has with New Day USA has moved my closing date four time.