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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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, credit repair services, or other personal consumer reports

Hello, The issue I'm having is due to injuries I received in XXXX from my time in the XXXX I became serious behind on my Auto Loan Once I was able to work again I called and set up payment arrangements with Credit Acceptance. I was told as long as I meet my agreed amount on the days selected it would be taking out of collections. I have made a few payment and it still being reported as in collections. I called the company and was told it's just taking out of the company 's collections department and it will still be reported as collections. I asked why I wasn't told that from the beginning and was told they didn't have to tell me that. I think this is a terrible thing to do to people
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that needs to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Balance : {$420.00}, If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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 : OAG CHILD SU # XXXX - BALANCE {$5700.00} - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have received several calls from Premier Portfolio Group. They would not leave a message - just continually calling. On Thursday, XX/XX/18, I received a call from them and they left the following message, " Hello, we are giving you a call regarding a bad check that was placed with our office attached to your name and account number. We need you to contact us immediately to rectify this time sensitive matter. Our office number is XXXX. '' When I was finally able to contact them. I informed them that I have not written a check in about 5 years and am current on all of my bills so they needed to quit harassing me. The person on the other line began to talk all over me and told me that they were not harassing me. She then asked me if I knew someone - she gave me a name - someone whose last name was also XXXX. I called back and the second time got a man. I told him the same thing and again, he talked all over me and would not listen and he too asked to talk to someone ( not me ) whose last name was also XXXX. I hung up and called a third time. The female on the other end this time did seem to be listening. I told her that I had searched the company name and saw many complaints where they said the same thing, that they had received a bad check. I am on the " National Do Not Call List. '' They just kept asking me for someone - it was not my husband 's name and it was not my son 's name ( my son has a different last name than I ). The female told me that they would not call me again but that yet remains to be seen and their tactics are outrageous. I think they were harassing me simply because I had the same last name as someone that they were trying to collect from.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX  Account Number 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Equifax XXXX My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. The claim/report numbers below : Equifax - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Fraud Claim - XXXX XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Credit reporting or other personal consumer reports

In XXXX of 2024 and XX/XX/year>2024 I called the company ( XXXX XXXX XXXX ) and asked for 1099C letter because the account is charged off threw the IRS this account was paid off my credit report shows charged off and closed Under act 15 USC 1681 ( e ) B this should not be on my credit report
Product: Money transfer, virtual currency, or money service

I paid a company {$7600.00} for a purchase via XXXX and XXXX, {$6600.00} XXXXXXXX and {$1000.00} XXXX ) for a shipment of almonds. They never shipped the goods. I asked the bank to revert said transfer ( Same bank on both ends, it's WF ) and they denied it, saying they had nothing to do. 
Tried to get the money back from the company, they're not responding and I believe I got scammed. I need the CFPB to help me get my money back. I've been basically robbed and nobody 's doing anything to help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX usc XXXX. 
Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX acct # XXXX XXXXXXXX XXXX  ( acct # 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 Account XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX 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 XXXX years. 
15U.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

Dear CFPB, I am writing this complaint based on the information in my credit files reported by three credit reporting agencies.
I have written to these agencies disputing credibility of the debts alleged in my files.
However, the credit reporting agency have ignored my request for the removal of this files stating that they have verified the authenticity of the debts.
I am frustrated at this point because I dont have any other cause of action and I hope you can help me here.
In XX/XX/XXXX I rented two bedroom apartment from XXXX XXXX XXXX XXXX apartment now re-branded as The XXXX Apartment Homes on six months contracts. I therefore, Paid 2month rents in advance starting from XX/XX/XXXXthrough XX/XX/XXXX In my original contract, rent is due on the XXXX through the XXXX of every months. Having paid the two months rents in advance I have not put furniture in
the room. I bought several items including windows curtains, refinishing the bathroom at my expenses. On XX/XX/XXXX upon my return from XXXX Georgia, my apartment was rented to another tenant, and the lock was changed. I therefore went to the office for clarification and answered, it was then I was told that they inspected the apartment because there was no furniture in the apartment they presumed that I have abandoned the apartment.
I cant stomach the situation, it was then they told me that they have another room for me. I disagreement with that arrangement and told them that I will move on to look for another apartment somewhere, it was then they threaten to report it to credit reporting agencies.
Because I was out of the country I couldnt pursued legal action, and having repeated written to credit agencies to remove the files and they ignored I have no further remedy and I hope you can help me here. XXXX XXXX XXXX seem to have purchase the debt without been told the root of this deceptive and fraudulent debt reporting.
I dont understand what constitute a {$3000.00} and {$1000.00} alleged debt reported in my credit files.
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Please I need it removed immediately.
Thanks
Product: Credit card

Wells Fargo provided credit card and paper checks. On the front page of their correspondence, they state " low intro apr - O % intro apr for 21 months from account opening on purchase and balance transfers. '' The contractor who installed a new roof and helped me apply electronically for this service in order to finance the cost, ( XXXX XXXX  ), after completion of installation, sent me an email on ways to pay. " In person with cash, Credit card ( 3 % processing fee ), or by check. I chose to pay by the checks supplied by Wells Fargo along with the credit card and the above company statement.However when I received a statement From Wells Fargo it included a {$570.00} fee for what they refer to as a balance transfer, which I just used the provided check to pay the balance that was due the contractor. I believe this is deceptive!
Product: Payday loan, title loan, personal loan, or advance loan

I accepted the loan invitation of {$3000.00} on XX/XX/XXXX. 

I made my first payment on XXXX XXXX in the amount of {$200.00} I called to find out why the balance went up instead of down the balance was showing {$3000.00} after the {$200.00} payment. 

I called to ask why the loan went up after the 1st payment was told that they charge interest daily. I decided to pay the loan off. I made the following payments to date in an attempt to off the loan : XX/XX/XXXX in the amount of {$200.00} ( which was the 1st payment ). 

XX/XX/XXXX the amount of XXXX. 

XX/XX/XXXX in the amount of {$130.00}. 

XX/XX/XXXX {$150.00}. 

To date Ive paid {$3200.00} to pay off the loan which the payoff amount was {$3000.00} To date I have paid off the requested amounts but the loan is still showing a balance!

I called on Saturday, XX/XX/XXXX and spoke to XXXX regarding sending payoff document showing XXXX balance and requesting to close this account. 

He said he would send to their accounting department on XX/XX/XXXX and I should receive a document via email confirming the account was closed. 

To date I have not received the requested document, the loan is still open and I went online today ( XX/XX/XXXX ) and the balance is showing a new payment due of {$15.00} although I paid the loan in full after repeated request to pay the loan off and ask for a document showing a XXXX balance I have not received so Im filing this complaint.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. The account in question, listed as XXXX XXXX XXXX XXXXXXXX, shows `late payment that are incorrect. This account was paid on time, and there is no justification for it to be reported as late. This is a clear mistake and an example of incorrect information being reported on my credit report. The reported late payment is incorrect as XXXX accurately reflects our payment history without discrepancies. We request immediate correction to align your records with the accurate data reported by XXXX. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, mandates that consumer reporting agencies report information with complete accuracy. The continued reporting of these erroneous late payments is a violation of my rights under this act and has unjustly impacted my credit score. 

I have attached a copy of my credit report to this complaint, highlighting the incorrect information on the following dates : XX/XX/year> I am now demanding that you : Investigate this account thoroughly. 
Update these payments to reflect that they were paid on time. 
Furthermore, I am requesting proof of the previous investigation. You must send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number, as well as documentation that proves this account was late. If you can not provide this information within 15 days, you are required to update the account status to PAID/NEVER LATE and send me a copy of my updated credit report.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed hard inquiries from [ list the companies, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries, nor did I apply for credit with these companies. 

I believe these inquiries may have been made in error or fraudulently. I request an investigation and the removal of these unauthorized inquiries from my credit report. 

Please provide any information you have regarding these inquiries, including details of the applications submitted. I appreciate your prompt attention to this matter.
Product: Debt collection

I saw on my experian report a dept from Vance & Huffman LLC on XX/XX/XXXX for the amount of {$12000.00}. I wrote to experian requesting for them to verify and send the instrument in how this dept was verified. All they would send back was that it was verified. I mailed a letter XX/XX/XXXX and XX/XX/XXXX. I wrote to the collection agency and they never sent back any documents verifying the debt XXXX and XX/XX/XXXX they ignored my request documentation and they failed to remove from my report. 

I also called and reported to experian XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they kept saying the dept was verified but never supplied the documents being my signature or showing i personal entered in to a contractual agreement with them. 

My house had a fire in XX/XX/XXXX and my famiiy was moved out of our home for 9 months with all of our personal items being boxed up by a third party company I added the fraud protection to my report after I had several things Pop up on my report that I never applied for or received money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please listen to me! Look at what I have provided to you! I have given you PROOF of BLATANT FCRA VIOLATIONS! The XXXX account is RE-AGED and the XXXX account is reporting CONCURRENTLY AS POSITIVE AND NEGATIVE! Per the FCRA, it doesn't matter which is correct ( whether it was late or not ) ; what matters is the FACT that the XXXX account is clearly REPORTING DIFFERENTLY across bureaus! The XXXX account was late, clearly, but it STILL CONTAINS VIOLATIONS that requires it, again, under the FCRA of which you're dismissing, to be immediately deleted. That account is showing 180 days late three months in a row IN BETWEEN COLLECTIONS MARKS. This is what you can see right there in your system! That's a violation. In ADDITION, it reports -- as the proof I've provided shows -- a negative CO mark in XX/XX/XXXX, YEARS AFTER THE ACCOUNT ALREADY CO 'd. That's re-aging -- that's a violation -- and the FCRA states that such accounts are to be immediately deleted! Even the XX/XX/XXXX andXX/XX/XXXX CO marks in Experian are re-aging because the account officially CO 'd in XX/XX/XXXX! The account has re-aging all thru it and it's right there in your system at this very moment to see! Yet, you're telling me that " it's reporting correctly ''??? No, it is NOT. I repeat : Accounts with FCRA violations are supposed to be immediately deleted, and it is also a violation on YOUR part, Experian, that you're rejecting my disputes and the obvious proof I'm showing you! If these are not immediately deleted, then I will be suing per credit account for damages. No, this is not an empty threat and I have indeed been in contact with a legal team on how to proceed with this matter. I have been dealing with you all for a YEAR now trying to go thru a process you all provide -- called " disputing '' -- and HAVE PROVIDED YOU PROOF THAT YOU KEEP REQUESTING. Yet, you repeatedly deny me my due diligence and are acting recklessly and negligently with my credit file. YOU all are the ones reporting this info CONTAINING FCRA VIOLATIONS. I am requesting the accounts be deleted per the FCRA VIOLATIONS I have noted, which is the fact that an account reporting both positive and negative and across bureaus is an illegal reporting -- a violation -- and that an account that is re-aged is an illegal reporting -- a violation. Experian, it is YOUR system that to this day shows that " XXXX XXXX   recently reported negative payment info '' -- that's called re-aging. It is in YOUR system, Experian, that XXXX   reports negatively for the same months that they're shown positive at XXXX! That's an illegal reporting -- a violation -- because the accounts reports in direct conflict with each other! All of this is in YOUR system and you're acting like there's nothing you can do about. That is absurd. I've tried to be patient -- a year's-long patient -- and you keep doing this! Delete these accounts NOW.