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

one XXXX account is reporting fraudulently on my equifax credit file. this in is not my account, i have disputed this account for many months XXXX  and XXXX  have already removed this account with the best customer service, but equifax is very much ignoring my request, please help, i have XXXX and found out that is site would be helpful to consumers. you are my last hope. please have this inaccuracy removed from my credit file, i will be attaching the FTC report to this site please help me with this matter thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a motorcycle at XXXX XXXX XXXX, for internal commute purposes, and had it financed with Yamaha Motor Finance Corporation as this was set up by the team at XXXX XXXX. 
After a few months reviewing my credit score, and various calls and claims to the credit agencies I found out that the vehicle loan I obtained from XXXX XXXX XXXX via Yamaha Motor Finance is in the form of a credit card, not a vehicle loan. 
It is incredible and outright fraudulent to not warn, disclaim and thoroughly explain a client and costumer on the terms of a loan agreement, I would not have purchased the vehicle knowing these terms and conditions. To say the least, negligent on behalf on XXXX and Yamaha, but more to an action not to be considerer as good faith in business, and truly deceitful and misleading. 
On a call with Yamaha Motor Finance Corporation, the person that responded my call and questions was very rude, and intended to disregard the situation, and further try to convince me that the motorcycle i purchased was not a vehicle. 
I can not comprehend the audacity of this person to say such, as this vehicle is registered in the Florida XXXX and carries a license plate, and is my sole vehicle in Florida. 
Right now, instead of a newly agreed vehicle or even personal loan, that just started to amortize, credit agencies treat such as a maxed-out credit card. 
This has impacted my credit score for the past few months, and I was in plans to purchase property early next year.
Product: Debt collection

Collection statute of limitation in XXXX is 3 years. The account can not be collected and should be closed. Presenting the account as open indicates collection is possible, but it is not. That shows deceit and is fraudulent. Said account can be reported as closed for up to 6 years. The claim of this wholly owned subsidiary has not been proven. Collector is to provide disclosure and not request I research these companies to find out who is who.

15 U.S.C.1692e deceptive practices and fraud is what this collector is engaged in. They refuse to provide proof of who they are. 

Original creditor has NEVER mentioned this company to me, and the company they said owned the debt is NOT the company reporting the debt or asking me for payment after almost 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over, 45 days later, I have yet to receive a response. I feel as if I am being taken advantage of and/or being ignored throughout my dispute process. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 45 days. Therefore, these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this lengthy process has caused me. My information was also impacted by the Equifax data breach and may have been placed in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter requesting a copy of my consumer report. It has been a month and I still haven't received the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX  several times via mail and through the Consumer Finance and the company does not provide the proof and the investigation needed to have this fraudulent account posted to my credit report on all credit reporting agencies. I have sent letters on dates of XX/XX/2022, XX/XX/2022, and XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I previously filed a complaint with the CFPB on XX/XX/year>, which highlighted Experians failure to investigate disputes, block fraudulent accounts, and provide proper reinsertion notices. Despite this, Experian has failed to resolve the following items on my credit report : XXXX. XXXX ( Account # XXXX  ) : Fraudulent account linked to identity theft, with a balance of {$2500.00} and late payments added. Despite being disputed multiple times, Experian has ignored or failed to investigate this account appropriately, violating FCRA 605B and 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXXXXXX XXXX ( Account # XXXX ) : Reinserted without notice ; no evidence of verification provided. 
XXXX. XXXX XXXX ( Account # XXXX ) : Reinserted with derogatory marks, violating reinsertion protocols. 
XXXX. XXXX XXXX ( Account # XXXX ) : Verified without proper investigation. 
XXXX. XXXX XXXX XXXX XXXX : Ignored entirely despite valid identity theft claims. 
XXXX. XXXX XXXX XXXX ( XX/XX/year> ) : Not removed despite prior disputes. 
XXXX. Incorrect Address ( XXXX XXXX XXXX ) : Remains listed on my report. 
Applicable Violations : FCRA 605B : Failure to block identity theft-related accounts.

FCRA 611 ( a ) ( 5 ) ( B ) : Failure to issue reinsertion notices.

FCRA 609 ( a ) ( 1 ) : Failure to verify disputed information.

Harm Caused : Experians actions have led to : Financial harm and increased interest rates due to inaccurate derogatory items. 
Emotional distress and wasted time resolving these issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that TRANSUNION is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave TRANSUNION written consent to report anything on my consumer report. No consent is identity theft. I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow TRANSUNION to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing TRANSUNION these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If TRANSUNION wants to continue to do business with me, they should delete the following inaccuracies off my consumer report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for {$27000.00} -XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX for {$1100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

XXXX and XXXX a collection agency has taken all the money from my accounts including a shared account with my older parents that can barely walk and my XXXX has XXXX, they added me to their account so i can buy them grocery and other things. 
we had a court date around XXXX of XXXX, i went to the court but they did not show up, .and i never got any other notice from them, i moved to a new address in XX/XX/XXXX and changed the address at the post office web site and have been getting forwarded mail at the new address but never got anything from XXXX and XXXX XXXX 
On XX/XX/XXXX i saw that all my accounts including the shared account with my parents have XXXX balance and over {$8000.00} have been taken out, my XXXX are shocked and weak as is and dont know why their money was taken, the XXXX has caused their health issues more severe. 
If i would have gone to court and had my say this would have never happened but it seems like they lied to the judge and made him think i knew there was a court date and did not show up, but i had no idea and never got any notices, so here i am with my family and old parents in a very bad setuation could someone help please
Product: Debt collection

WESTLAKE PMXXXX {$18000.00} Westlake PM wrote this account off on their taxes as a charge off/profit loss/written off as bad debt and did not provide me with a 1099C. I have been contacted numerous times regarding this debt. I have been unable as a consumer to write this debt off as income. At the same time Westlake PM is continuously reporting this account on my credit report that I owe the balance even though their company took a tax break. I am well aware of my rights as a consumer and know that they are in violation. My report is inaccurate and my credit report causing me financial hardship. Under the FCRA, I am allowed to sue for statutory damages since Westlake PM is furnishing inaccurate information about this debt that is incorrectly reporting as a charge off while still claiming I owe the debt. I plan to exercise my right to report Westlake PM to the IRS.
Product: Debt collection

Fay Servicing is a debt collector operating in the State of New York must maintain reasonable procedures for determining the statute of limitations applicable to a debt it is collecting and whether such statute of limitations has expired.

In the State of New York, the promissory note and mortgage are contracts, and there is a six-year statute of limitations law in effect. 

The last mortgage payment made on the subject account according to XXXX XXXX internal records was XX/XX/2010. 

The New York State Department of Financial Services states in debt collection rule 23 NYCRR 1, Section 1.3, Fay Servicing Corporation is required to inform me that the statute of limitations has expired.

The Fair Debt Collection Practices Act, 15 U.S.C. section 1692, et seq strictly prohibits debt collectors from seeking payment on legally time-barred debts.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of a time-barred debt.

A debt collector is prohibited from falsely representing the character, amount, or legal status of any debt.1692e ( 2 ) ( a ) ; 12 CFR 1006.18 ( b ) ( 2 ).

Nor may a debt collector use unfair or unconscionable means to collect or attempt to collect a time-barred debt.

It is also a violation of the FDCPA for a debt collector to bring or threaten to bring legal actionwhether explicitly or implicitly against a consumer to collect a time-barred debt ( 12 CFR 1006.26 ; see generally 86 Fed Reg 5766, 578182 [ describing CFPB interpretation of this rule ] ).

Fay Servicing has deliberately refused for years to inform me of the disclosure or disclaimer about the statute of limitations being expired as required by the New York State Department of Financial Services debt collection rule 23 NYCRR 1, Section 1.3., despite many written requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, received call from Quicken Loans " XXXX  XXXX-NMLS # XXXX '' ( the call was recorded ) stating they've tried to reach me to help reduce my mortgage. After a bit of small talk, she said she'd see if she can help me, but would need to run my credit report. I explicitly told her 'I do not want anything run that will affect my credit ; I am VERY protective of it. '' She told me that it would not affect my score/report, and she's never gotten any feedback that a score would be affected. Warily, I agreed. She went on to 'review ' the report, telling me everything I already knew. I explained to her there's nothing Quicken Loans can do for me and we hung up. 

Within 10 minutes, I received emails stating that my report had been run and the score dropped FROM 771 TO 716!!!! I am furious! I called her manager and emailed her. She apologized. Her manager called me and for 10-15 minutes tried to get me to agree to a loan to consolidate my existing bills. I had to hang up ; to return to work. 

I suspect many people fall prey to their tactics, and I am very disappointed in Quicken Loans. 

Here 's the facts : - No one has ever tried to reach me from Quicken Loans. That's the guise they use. 
- I DID NOT agree to have credit run that would negatively affect my credit score. 
- Now, there's a hard inquiry on my report for a mortgage loan -- I don't need a loan, I plan to pay off my loan in a few years anyway. 

Please post something to people are aware of scrupulous tactics like this. I know better and was literally lied to by Quicken Loans. 

XXXX XXXX
Product: Debt collection

XXXX contacted my parents at XXXX one morning, if that was n't enough. This past Sunday my family tried to contact me on my cellular phone, XXXX though, but instead they reached XXXX. I called them directly and spoke with the XXXX, but he wanted to play XXXX about forwarding my phone directly to his company 's phone. I then contacted XXXX my phone carrier, but they acted oblivious to my inquiries on how this were to occur. I was very upset because I just renewed my contract on XX/XX/2017
Product: Debt collection

XXXX is attempting to collect the wrong amount of money from me over a XXXX XXXX Bank ( USA ) NA. and I am already going to court over this situation with XXXX XXXX Bank XXXX USA ) NA.
Product: Credit card

I would like to make payments on this bill, I can't afford to pay it off all at once. I did have it sent up to make payments and I'm not actually sure what happened. But I would like a way to make payments towards this bill. 

Thank you
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX XXXXXX/XX/year>XXXX 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 XXXXXX/XX/year>
Product: Debt collection

This company after years of me requesting proof that I opened this account, They have not sent me anything.
Product: Credit reporting or other personal consumer reports

I am submitting a formal dispute regarding the unauthorized disclosure of my personally identifiable information, SSN. XXXX XXXX and his employees, who are not federal personnel, had access to my personal information in violation of federal privacy laws. I am requesting immediate corrective action. 

Details of the Dispute Unauthorized Recipients : XXXX XXXX and his employees ( non-federal workers ) Nature of Violation : My personal information was improperly disclosed and accessed without my consent, violating my privacy rights under federal law.

Laws Violated This unauthorized disclosure is a direct violation of : 1. Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] Requires credit bureaus to protect consumer data and limit disclosure to permissible purposes.

2. Gramm-Leach-Bliley Act ( GLBA ) [ 15 U.S.C. 6801-6827 ] Mandates financial institutions, including credit bureaus, to ensure the confidentiality and security of consumer data.

3. Federal Trade Commission Act ( FTCA ) [ 15 U.S.C. 45 ] Prohibits unfair and deceptive business practices, including failure to safeguard consumer data.

4. **Family Educational Rights and Privacy Act ( FERPA ) [ 20 U.S.C
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$110.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$310.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in an identity theft report ( FOR THE SECOND TIME IN 6 MONTHS ) on XXXX XXXX XXXX XXXXstating that the inquiries on my report were erroneous and need to be removed with all the info to protect myself and my credit file Experian just emailed me and told me they wouldnt take action because they didnt believe it was me. IT IS ME. they need to stop stalling! Those items DO NOT BELONG TO ME. They need to be deleted - its illegal for any bureau to report inaccurate information.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these hard inquiries. The hard inquiries are a result of identity theft and must be removed no later than 4 business days. As per 15 usc 1681c-2 block of information resulting from identity theft. 
Four attempts have been made to cure fraudulent reporting : XX/XX/2023, XX/XX/2023, XXXX XXXX another business location, XX/XX/2023. ( See attachment ) XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX ( Bank ) XX/XX/202XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid my Discover card account XXXXwhich paid it off IN FULL XX/XX/XXXX. In XX/XX/XXXX I received an alert from XXXX that I had a 30 day late for Discover. They claimed that I owed XXXX worth of interest that was charged to my account. I never received anything saying that I still owed them money. So I went to the website to look it up. I paid it immediately. I don't think that it's fair to reflect a 30 day late on my credit report for less that XXXX in INTEREST that I didn't even know I owed. I thought my account was paid in full and was closed. This immediately dropped my credit score by 34 points. It does not show a true picture of my credit worthiness when the 30 day late is an error of only XXXX. 
Thank you.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which have led to the appearance of unknown and inaccurate accounts. I am a victim of identity theft, and my information was fraudulently used, resulting in accounts that I have never been associated with. As instructed by Equifax, I filed an FTC report and submitted it, yet these fraudulent items remain on my report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, Subject : Request for Removal of Fraudulent Hard Inquiries from Credit Report I am writing to formally request the removal of unauthorized hard inquiries from my credit report, which appear to have been made fraudulently under my name. It has recently come to my attention that my identity may have been compromised, and I did not authorize or initiate the following credit inquiries : XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX as reported by XXXX XXXX XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 I sent a letter regarding false & inaccurate things on my credit report. It's going on 60 days since I wrote the bureaus and I still haven't heard anything back from them. I feel like the bureaus are ignoring me and not taking my complaint seriously. Section 611 ( a ) clearly states that a failure to investigate items in 30 days is grounds to immediately remove the items in question of the credit report. As it is now going on 60 days my item should be deleted promptly. I demand this account be deleted or I will file for litigation due to the hardship that this is causing me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Just notified again that experian is still working on the issue but closed all the others with the same issue WHICH IS EXPERIAN NOW HAS STOLEN ALMOST 19 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND REFUSE TO GIVE THEM BACK
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$7300.00} ; XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX