23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year> I contacted Phoenix Financial to dispute this debt. XXXX said no problem and charged {$1.00} on my debit card. Then she said she could get it removed and wanted to charge my debit card {$270.00}. This is not my debt. There's no paperwork with my signature. No documentation yet they want {$270.00}. This is criminal. I want this removed. This debt only appears on XXXX credit site. I refused to pay the {$270.00}. XXXX said I need to file a police report. I called and the police said they don't have time to take these kinds of reports due to real crimes taking place.
Product: Debt collection

I sent a letter to Account Recovery Services disputing an account. I had medical insurance that was NOT billed for the charges. In the dispute letter, I asked for validation of the debt by identifying the original creditor as well as an agreement with my signature binding me to a contract. What I recived in return was a list of charges from a service provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with Equifax regarding a " hard credit check '' that was listed on my Equifax credit report. Obviously a " hard credit check '' stays on the report for two years, is seen by everyone accessing the report, and can negatively impact a credit score and have other negative credit implications as well. The " hard credit check '' had been conducted by " XXXX XXXX XXXX, '' a car dealer. The credit check was never authorized under any conceivable circumstances. Thus, as indicated, I challenged the " hard credit check '' with Equifax on XX/XX/XXXX, as an " unauthorized '' credit check, a dispute category provided by Equifax, even though I had contemplated challenging it as " fraudulent, '' another choice given to consumers by Equifax with which to categorize a disputed inquiry. Within two days, on XX/XX/XXXX, and without Equifax even investigating the matter, Equifax informed me that " Inquiries are a factual record of file access '' and that I would have to take the matter up with XXXX XXXX XXXX  if I wanted the hard credit inquiry removed from my credit report. In fact, as an aside, I had done just that a month earlier and been told by General Manager XXXX XXXX ( XXXX ) of XXXX XXXX XXXX  that the inquiry would be removed by Finance Manager XXXX XXXX. Regardless, for Equifax to state that the unauthorized inquiry is a " factual record '' is obviously redundant and states the obvious. That is why the dispute was filed in the first place. Of course the inquiry " factually '' occurred. Equifax is not licensed to allow fraud to occur to consumers ' credit reports with the aid of Equifax and then sit back and say " Well, it factually occurred, sorry. '' So on XX/XX/XXXX, I filed a dispute again with Equifax, this time calling XXXX XXXX XXXX ' " hard credit check '' what it was, a " fraudulent '' credit check by a car dealer. This time Equifax took mere hours on XX/XX/XXXX, to once again inform me ( Confirmation # XXXX ) that " Inquiries are a factual record of file access '' and, once again, according to Equifax, Equifax could just stand on the sidelines and say, " Sorry, the world can see now for two years the fraud, also that we were an accessory to, also additionally after the fact, and there is nothing we will do about it. '' Equifax of course could have added, " You see, the XXXX XXXX XXXX of the world pay our bills, not you, and so we will defer, as a matter of course, to XXXX XXXX XXXX  in this matter and not rock the boat. You will have to rock the boat to address this fraud. In the meantime, we will continue to be an accessory-after-the-fact to the this fraud '' The item remains as " hard credit inquiry '' on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The 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. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX  XXXX - XXXX, XXXX XXXX XXXX  - XXXX, XXXX XXXX  XXXX - XXXX, "
Product: Credit reporting or other personal consumer reports

I am filing a dispute regarding inaccurate information being reported on my credit report concerning the XXXX XXXX XXXX account. Specifically : The charge-off status is inaccurate, as the balance was paid in full by my insurance company, and the account was considered closed. 
Late payments are being reported after the account was resolved, which is incorrect. 
These inaccuracies are negatively impacting my credit standing, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681.

The balance for this account was fully paid by my insurance company on XX/XX/2023, and the account was closed. However, the account is inaccurately reported as charged off, and late payments are being listed after the account was settled. These inaccuracies misrepresent the true status of the account. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies, including XXXX, must maintain reasonable procedures to ensure the accuracy of the information they report. By failing to correct this inaccurate reporting, XXXX has violated these legal requirements, which has caused harm to my credit report and overall financial standing. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute any inaccurate or incomplete information on my credit report, and XXXX is obligated to conduct a thorough reinvestigation of this matter. 

Under 15 U.S.C. 1681o, negligent noncompliance with the FCRA holds XXXX and other responsible parties liable for damages caused by inaccurate reporting, including actual damages, attorneys fees, and costs of action. I request that the CFPB ensure XXXX 's compliance with these regulations and assist in resolving this matter. 

If this matter is not resolved within 30 days, I will explore additional legal remedies to protect my rights under the FCRA, including seeking damages for the harm caused by these inaccuracies. 

Thank you for your attention to this matter. I look forward to your prompt response
Product: Debt collection

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Debt collection

On XXXX the debt for XXXX was paid in full to Capio Partners. In the attched will find their responses also pertaining to the debt.
Product: Credit reporting or other personal consumer reports

Addresses dont belong to me never live at addresses. 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 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 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: Vehicle loan or lease

I am submitting a complaint against flagship credit acceptance since our issues can not be resolved over the phone. 
1. Company hangs up phone calls, forwarding calls to automated services. Company is never available for the correct department, threatens and ask for my husbands military career commanders name in the military to report.

2. The biggest issue we have had since we opened the loan as a refinance in XX/XX/XXXX is the company only provided four months of billing statements to our home. The bills sent were incomplete, online bills were incomplete, missing amounts in the bill, blank. In XXXX, I contacted the company to report no bills coming to our home, however the company was rude, refusing me information, after POA was sent while my husband XXXX. The company told me not to pay, till the history of payments was sent. I then found mistakes, total principal added XXXX in the principal column, however the loan amount due only reduced by XXXX. The extra money was hidden in interest not claimed. The company continued to tell me not to pay, to prove each payment, taking thirty days to access old records from our previous bank we closed out. My husband was contacted while XXXX with information asked on commander and name of company. Threaten to reposes the car, and report him to his commander. The company denied telling me to prove the payments once I had the documents needed, taking all late payments in full interest. We have payed a total of XXXX on the already backwards loan, with only XXXX going to the loan in two years. 

3. The loan is backwards due to failed SCRA benefits from the original company XXXX XXXX XXXX in XXXX my husband joined military with the loan start in XXXX. During basic they took full interest for non payments, continued the interest at XXXX % taking a full XXXX in interest putting XXXX on the principle then XXXX down on the car, having us pay XXXX to the first company XXXX to the second company, XXXX total on the XXXX dollar car, with XXXX still owed on the loan. 

4. The loan is so upside down, I reached out to the first company, witch gave back XXXX. However I feel like they owed more, since they denied my husband SCRA not giving back all the interest. I feel the company now has taken over XXXX % interest, mislead me by telling me not to pay, then threaten, taking full interest. All we would like to do, is get the loan to a reasonable interest rate, possible the value of the car being XXXX XXXX XXXX XXXX XXXX XXXX XXXX, worth XXXX. 

This is a lot, I have all supporting documents, please let me know if you can help us, as we feel overwhelmed after we will pay close to XXXX on the XXXX still left on the loan for the vehicle after already paying XXXX. 

Thank you, XXXX and XXXX XXXX
Product: Credit reporting

My name is XXXX XXXX I have had an ongoing dispute with equifax for a judgement on my credit report case # XXXX that does not belong to me. I have provided certified documentation from circuit court of the state of Oregon for the county of XXXX proving this case number belongs to some one else ( XXXX XXXX ). However upon multiple contacts with supervisors at equifax they are refusing to remove this item from my report, they are advising me that they have investigated and that this case number belongs to me. They also advised me to contact the court as they have made this error. I have done this several times and the court has advised the case number in question in fact does not belong to me and equifax should remove it from my credit report. I sent the same documentation to XXXX and XXXX both removed the judgement without question. Today I again spoke with the court clerk and they referred me to you for assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus XX/XX/XXXX TransUnion and XX/XX/XXXXXXXX on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XX/XX/XXXX, TransUnion and XX/XX/XXXXI requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 5 months from my first written request and more than 3 months since my second written request ( sent certified mail ) and I still have not received any responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent documentation that I had been a victim of identity theft and noticed some unauthorized inquiries and accounts on my report. I was told by the Rep to mail a FTC report with a copy of my identification and ss card with a list of the inquiries. I has been 60 days with no reponse from the bureau but according to the FTC website it states identity theft should be processed within 5 business days from receipt of documentation. I have the tracking number from where I sent documentation tracking number XXXX and I have heard nothing from the bureaus. This is a violation and these items must be deleted.
Product: Credit card or prepaid card

A credit card was opened in my name by unknown identity. I recieved a call from XXXX XXXX or capital one about a bill that wasn't paid. I told them i haven't opened any creditcard accounts. I dont own a credit card and any card open would have been by fraud. The asked me to send a statement stating such. I did. Here it is over two years that this was supposedly fixed. I even told them i am even willing to go to court to fix this and show it was identity theft. I had two phones that came in prior which i think was part of the credit theft. I called the company that sent them out and stated i didn't order any phones. I was told an address in texas to send them back to. I have no documentation of anything because i never recieved a bill or anything else to notify me. It was ordered from online and no records to prove either way other. I then notifying that my identity was stolen must have been stolen. Same with the credit card company. I do not have nor should i have any credit cards opened anywhere to my knowledge. This includes the credit cards i paid off in 2008 and never opened another. I found out my credit was never restored or fix just this week. I was going to open an account at XXXX XXXX to purchase a lawn more. This is when i found out my credit went from above 720 to the low XXXX mark. The last and only think i had credit was with XXXX and the XXXX XXXX XXXX. I have no other accounts in my name. I don't know who all has placed information on my credit since i first thought the problem was fixed. I am so upset about how things are reported without any notification or any other bill to know if anything was opened in my name. I pay my bills on time each month. I have never ever been delinquent on any account i have opened in my life time. I need help and a full investigation on any negative remarks on my credit report. These company 's are at fault for authorizing any account 's that are opened. These are the only people i have dealings with. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The XXXX loan was paid off for years now. Anything else opened any where using this current address would be from identity theft that started when i first reported it to the two mentioned earlier. I have even had a call from who ever they have turned over the delinquency to a collection agency. I gave them the same information. I also asked them to take it to court so we can get this settled once and for all. They said they would fix it which they didn't evedently. They just never called again.
Product: Credit card

I got a call from XXXX Police, a person impersonating a Police officer extorted money from me. He told me my immigration was under check and I was a criminal. Failing to comply will result in prison for at least 5 years. I let Amex know about this situation ASAP and the unauthorized charges but they refused to refund me. 

I have filed a report with the Police and have the incident numbers below : Incident Number : XXXX, Reported on XXXX XXXX Incident Number : XXXX, Reported on XXXX XXXX Below are the transactions : XX/XX/XXXX : XXXX - XXXX Transactions {$440.00} {$470.00} {$800.00} {$860.00} {$990.00} {$450.00} {$480.00} {$480.00} {$480.00}
Product: Credit reporting or other personal consumer reports

To : Whom it may concern, I am writing to dispute the bankruptcy information in my consumer report. The bankruptcy listed is inaccurate, incomplete, or unverifiable. There are several FCRA laws that are in violations of my rights, taken by Experian. The laws follow are, 15 U.S.C. 1681 ( E ) ( B ) Accuracy on Report 15 U.S.C. 1681 ( B ) ( 2 ) Permissible purpose/ Written instructions of consumer to whom it relates.

15 U.S.C. 1681 ( Q ) Obtaining information under false pretenses 18 U.S.C. 1028 ( A ) Aggravated Identity Theft 15 U.S.C. 1681c-2 Block of Information resulting from Identity Theft Under the Fair Credit Reporting Act ( FCRA ) section 611, I request that you : 1. Verify the accuracy of the bankruptcy information by contacting the source directly.

2. Provide the name, address, and the method used to verify this bankruptcy information.

Also, please note that the court does not report bankruptcies to the credit agencies. As stated in the letter attached from the courts itself. If the information can not be verified, I request that it be removed from my report. 
I expect an investigation to be completed and a written response regarding the results of the investigation.
Product: Debt collection

Midland Fundling LLC has reported on my credit report as a collection item. I do not have an agreement to pay to that company. I have disputed the debt with the company and XXXX and have been told the debt is verified as accurate nor have I been sent an documentation proving the debt is mine. I dispute this debt and they do not have the right to collect or report on my credit as a debt owed to Midland Funding LLC. I demand they remove from my credit immediatly per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the state of Texas tenants have a LEGAL RIGHT TO EXIT A LEASE AGREEMENT WHEN THEIR IS XXXX XXXX 

ADDITIONALLY, WHEN THE LOCKS HAVE BEEN CHANGED AND A TENANT DOES NOT HAVE ACCESS. 
I fell under both categories and provided evidence to Experian. They did not properly invest the issue or consider all if the evidence that I provided to them. 

I have submitted proof to Experian for them to review, yet they failed to remove the file from my credit report. 

XXXX. This debt should not be on my credit file. I was a victim of XXXX XXXXXXXX which legally entitled me to be removed from the lease. 
Upon checking my credit report in XXXX or XXXX of XXXX, I discovered that this charge was on my credit file, the manger neglected to remove my name from the lease. I have contacted both XXXX XXXX XXXX and XXXX several times. Many times, my calls have not been returned from XXXX XXXX XXXX. The last time that I contacted XXXX concerning this issue was XX/XX/XXXX. 
XXXX. I have police records reporting XXXX XXXX, and that I had no access to the apartment. I also submitted the the divorce decree, and the lease to where I was actually living at the time that this debt occurred, which was XXXX of XXXX. 
Experian to correct this issue as they are not helping to uphold the law. I would like this to be removed from my credit file immediately and I would like all harassing phone calls from XXXX to cease. I would like for them to contact the person who was living on the property at the time, which was my ex-husband XXXX XXXX, to pay this debt. 

XXXX. Additionally the locks were changed at the apartment that I was previously living at : XXXX XXXX XXXX XXXX XXXX XXXX. I had no access to the apartment. Only XXXX XXXX and the manager at XXXX XXXX XXXX had access. I have reported this issue to the district manager of XXXX XXXX XXXX to no avail. I have also reported these details to the collection agency who also refuses to honor this portion of the law. 

I have submitted police records of XXXX calls that were made which document XXXX XXXX and that the locks were changed. I have also submitted proof of my divorce as well as the lease to the apartment that I moved into for
Product: Debt collection

I sent a debt validation letter to Genesis Credit Management, the collections agency reporting a debt on my credit report, as required by the Fair Debt Collection Practices Act. The letter requested they provide various pieces of information and documentation to validate the alleged debt within 30 days. However, Genesis Credit Management failed to respond to my validation request within the 30-day timeframe mandated by law. They have continued to report the unverified debt on my credit report without providing the required validation.