23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

3 years ago purchased a PC from Best buy when I was ready to pay the sales person told me that I can save 15 % if I used their credit card. I agree got home and cut their credit card, two weeks latter they send me bill for the PC, I paid the full amount with my credit card that I have for more than 10 years. Last year when I was overseas  keep getting messages that I was late in my payments to Citibank I keep ignoring it because I never had any purchase with their card since I don't have a credit card with them. At my return went to Best Buy and complained of the charges from Best Buy that I never had, the attendant went to talk to someone an at his return he said do not worry they think it is a scam. 
Thank you XXXX XXXX XXXX. 
The collecting agency is XXXX XXXX XXXX XXXX, CA XXXX Ph ( XXXX ) XXXX REF XXXX
Product: Credit card or prepaid card

Ive had disputes with my current landlord, XXXX XXXX XXXX, XXXX XXXX XXXX owned company. The employees verbally assaulted me on multiple occasions and forge documents. The employees are also slandering and defaming my reputation. I have witnessed many acts of fraudulent activities and have informed the FBI, FTC, XXXX  and other government agencies. The merchant name appears as XXXX XXXX XXXX on my Apple Card. Ive informed the customer service representatives but I dont think they understand or know how to resolve the issue. Ive also informed HUD of the discrimination and verbal assaults/stalking. Ive also filed multiple police reports. The disputes with this landlord is related to another complaint regarding the disputes with my XXXX XXXX XXXX. 


Ive also had some disputes involving my XXXX trips. For whatever reason, my room keeps getting broken into when I leave and my articles of clothing go missing. Furthermore, the employees at the reception desk appear to be running some sort of scam/fraud. The keys to my room appear to mysteriously stop working and the hotels refuse to provide me with a digital card. Ive called the different hotel customer service lines but often times, they are not able to help. Ive also had issues with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ive filed complaints regarding the XXXX XXXXXXXX  and XXXX with the airlines, XXXX and flyers rights agencies. 

Lastly, I had some disputes involving a previous doctor that I was seeing that performed XXXX XXXX and also XXXX  me. I dont think she even has a medical license in this state as my insurance company and state XXXX insurance had problems with her paperwork. I have filed a complaint with the Arizona XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. I send this complain to inform the XXXX credit bureau that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian on report XXXX for report date XX/XX/2018 stated that two bankruptcies XXXX  and XXXX were verified by the company, while not identifying the third party company to support their verification. Experian in their illegal activities of inaccurate reporting. Instead of verifying just adds additional names, in my case XXXX XXXX to your credit profile because without that entry they couldnt falsely verify items. The fact that a company reports a name doesnt mean its factual or accurate, Experian as part of their business model has a service that verifies names to social security numbers and if such care had been taken these issues wouldnt have occurred Secondly name identification XXXX  isnt mine, name identification no XXXX, XXXX, and XXXX arent mine and unless the social security administration verifies those names with my social security number, they are falsely reported.

XXXX previously report as XXXX XXXX XXXX company rereported in violation of the statue, additional such account is associated with a name that doesnt verify with my social security number.
Product: Mortgage

I paid off the purchase of my home & learned that loans were taken in my name but not by me! They were done fraudulent as I am a victim of identity theft! 
I had an original HUD loan that was paid off verified by HUD sent to XXXX XXXX XXXX XXXX, it was paid off in 2003 & I never took any other loan! 
Please tell me what I can do to fix this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed this account with Experian and they response is always verified. I have asked for proof of verification and can not be provided that information. I also wrote the company to the address that Experian is reporting and the letter was returned to me as undeliverable. Experian is reporting incorrect information which is damaging to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

***NOT A DUPLICATE COMPLAINT. NEW INFORMATION*** There are 3 different dates reported under date of last activity, last verified, date reported, date opened, closed date, high balance and this means that possibly all 3 of the credit reporting agencies are reporting inaccurate information. Where is the inaccurate coming from and why is the information not consistent? Delete for inaccuracy. Delete accounts immediately due to violating my consumer rights under the Federal Credit Reporting Act law 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I have submitted several disputes for the past year regarding inaccurate information on my credit report and the credit bureaus have failed to conduct a proper investigation to correct the inaccurate information on my credit report. The credit bureaus have violated my consumer rights and have not taken my disputes seriously. 

Every account listed in the attached credit report is inaccurate. 

DELETE IMMEDIATELY DUE TO INACCURACY. 

I have attached my credit report from XX/XX/22 with all the inaccuracies highlighted. This complaint serves as my dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I attempted to receive my free copy of my Equifax credit report via XXXX. I was prompted to submit additional information via regular mail in order to receive the report. I called the number to speak with a live agent ( XXXX ) XXXX. Once I got a live representative she was unable to provide me with my report as well even though I provided her with all of my identification information. I would like to pay a medical collection that is reporting only with Equifax. I want more information about the clinic/ collection company whom I can pay.
Product: Credit card

I applied for a credit card with Barclays Bank. I got denied. They said " our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' This is not true. I 've never had any of these with Barclays. I always paid my credit cards on time. I 've never had XXXX delinquency with them, let alone a severe XXXX. I have no negative performances on my record. I feel that somehow I 've been blacklisted with Barclays. I do n't know why, but it is extremely discriminatory.
Product: Debt collection

On XX/XX/year>, I received a notice regarding a debt allegedly owed to Midland Credit Management , Inc . I immediately contacted the company and requested validation of the debt, including proof that it was mine, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, no documentation or evidence was provided to substantiate the claim that this debt belongs to me. 

In addition to the lack of validation, I have been subjected to repeated harassing calls from Midland Credit Management XXXX Inc., including threats to seize property and pursue court injunctions, which I find to be both distressing and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation XX/XX/2020 WHY is there another address added that I've never listed or live at? .pdf <<<<<<< WHY IS MY ADDRESS NOT CORRECTED TO MY CORRECT ADDRESS? FCRA VIOLATION. FTC VIOLATION PAST 45 DAYS. 
XXXX  XXXX XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on experian. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020? <<<<<<< XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on experian. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. <<<<<<<< XXXX XXXX XXXX XXXX XXXX, NEVER LATE, FCRA Violation, why is this not verified accurately experian? <<<<<<<<
Product: Credit card or prepaid card

There are XXXX disputes open Where this company states theyll give a temporary credit while theyre researching and when it comes right down to it they dont credit you or they do and take it back and say they are still researching it. 

On the first amount of XXXX the item was returned to the original sender and they have the tracking that proves it. Yet they still are supposedly giving the company time to respond? When I have an issue with XXXX XXXX and they SEE that something was delivered back to the original sender they give a permanent credit XXXX they know I just showed them it was delivered and was returned to the sender. 

The one with XXXX is ridiculous. They know they do a XXXX day trial I ended the XXXX day trial the day I got the app so if XXXX looks into my XXXX ID which they would know they would see it was cancelled the same day the trial started - Ill attach what that app shows ( that Amount was XXXX for a year The last dispute I didnt get the dash cam in the box I got a second suction cup no dash cam and was told it was human error and yet have I seen a dash cam yet discover hasnt done anything on these. Ill just start using my other cards as I can see this particular company you can show them all the proof in the world and they dont care.
Product: Vehicle loan or lease

My family member paid my car payment twice and the company keeps stealing the money every time the payment is made and harassing me after it gets paid
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report that I have no clue where they came from. I did not give these companies permission or authorization to review my credit. I have not attempted to open any types of accounts with them either. I have attached all requested information to have this fradugelent information removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my rights, by not removing incomplete and inaccurate information on my credit report. I have sent 2 certified letters and proven to them that with in there system of validating the company information was not validated correctly. I started a dispute on XX/XX/XXXX completion date was for XXXX I call on XX/XX/XXXX, they informed me that an investigation was complete and all was validated. On my experian website it states that an update was completed on XX/XX/XXXX under the reinvestigation tab a statement was placed that reads " reinvestigation results '' this item is a result from your dispute on XX/XX/XXXX Experian claim that there has been 2 updates to my report regarding XXXX XXXX  but XXXX dose not report to Experian. The last update was in XX/XX/XXXX what made this so upsetting is I call experian, I called 7 time to resolve this. Representative huge up on me 3 times, and the few times I was able to escalate it to a supervisor I waa told to hang on and a supervisor would assist me, twice I was told they would call me back it never happen. The time I was able to speak with someone I spoke with a dispute supervisor by the name of XXXX no last name given she laugh at me, refuse to assist me, refused to transfer me to another supervisor, and hand up on me. The abuse of power they have over me is frieghting. My concerns where ignored. The information posted is inaccurate and even if they said it was completed with in the 30 day the report says something else I an enclosing report number XXXX it clearly shows status update XX/XX/XXXX on a Dispute I stated on XXXX with a completion on XXXX with an update in XXXX the 30 days expired an they claim its correct
Product: Debt collection

I am receiving phone calls everyday from A collection company by the name of NetCredit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that are not mine and are the results of identity theft. These fraudulent accounts have already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the banks associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite submitting the required FTC report, the accounts continues to appear on my credit report with your bureau. The presence of these fraudulent accounts tarnishes my credit history and could have serious implications for my financial future. I demand that you promptly investigate this matter and remove the fraudulent accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony Bank decided without my consent to close two credit cards I had paid off ( XXXX XXXX and XXXX ) and gave me no reason why they closed them. On another account ( Carecredit ) they decided to decrease my credit limit, even though I have always paid on time and have not skipped any payments. I am a member of the military and I believe these are unfair business practices which affect the fulfillment of basic living needs.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Checking or savings account

I have a checking account with citibank and have wrongfully been denied availablility of my funds from my VA benefits. I have tried to resolve this with the bank many times includint today at XXXX via phone and was told that i would have access to my funds immediatly and which was a lie. I would like this bank investigated for giving false information numerous times regarding my account and have caused me to get behind on bills and issues getting appointments.
Product: Payday loan

Check N Go has cashed a check against the bank account of my deceased father, XXXX XXXX XXXX. The check in question was written on a date when he was XXXX and the dollar amount of the check does not match his hand writing. 

When I contacted Check N Go, no loan was found in his name when they searched by social security number. 

The deceased has a bank account at XXXX XXXX Bank in Indiana. 

The check was written on XXXX/XXXX/2016, the deceased was XXXX and in hospice care on this date and passed away on XXXX/XXXX/2016. 

The XXXX was deducted from a Social Security deposit made to the deceased persons account on XXXX/XXXX/2016. These monies were refunded to the Social Security XXXX as expected upon notification of death. 

The check should have been returned to Check N Go for insufficient funds in XXXX and not resubmitted in XXXX. Further, there is no evidence that my father, XXXX XXXX XXXX held a payday loan for which he would have been liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer 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 15 USC 1681 602A states that I have a right to privacy.

15 USC 1681 604A, section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ; any adverse items of information other than records of convictions for crimes which antedates the report by more than 7 years.

15 USC 1681 s-2 ( A ) ( 1 ) states that 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.

Please delete the aforementioned accounts ASAP.

Thank you.
Product: Vehicle loan or lease

I got a loan with Hyundai Motor Finance Company and they have put incorrect information on my credit report. I've called multiple times and they still keep giving me the run around. Talking you can't talk to no body there about the problem over the phone. You have to send a letter to their P.O. in XXXX XXXX California and wait 2 months for them to get back to you about the problem. I had a XXXX XXXX  to call then to verify that according to my payment history the information they posted on my credit report is incorrect. But they wouldn't answer any questions concerning the matter. Which is causing me a problem with my home loan process. I wouldn't recommend XXXX XXXX XXXX  to anyone!
Product: Debt collection

This company ( Capio Partners LLC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$150.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$23000.00}.
Product: Credit reporting or other personal consumer reports

The current ability to freeze and temporarily unfreeze a credit report is very cumbersome. It's hard to know which agency ( ies ) a particular lender might use, and precisely when they'll need access. Unlocking all three for arbitrary periods increases risk of abuse.
Product: Debt collection

XXXX XXXX Select portfolio servicing provided a payoff statement to XXXX XXXX  of {$250000.00}. Fr debt dispute This is the money I already paid to two other servicers. 

XX/XX/XXXX sps returned the money to the title company. Without a release it was sent back XX/XX/XXXX sos sent the money to XXXX XXXX and XX/XX/XXXX received a check for {$250000.00}. from XXXXi asked them to send my proceeds directly to me Instead of the money I received a state that I now OWE {$240000.00}. 
I do not owe {$240000.00} and I dont have my {$250000.00} proceeds Sps needs to give me {$500000.00} to pay off this loan. XX/XX/XXXX notification that account Is paid in full subject to advances and pending transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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