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

Hello, i mailed experian a letter a few months back regarding the accuracy of my credit report. I have an address well there are two variations of the address and im asking for a removal of the address from the credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Weltman and Weinburg and Reis company notified me regarding a loan that is in default that I did not apply for or sign for. On the paperwork, the social security number is wrong and not mine. The address used in the paperwork is my address from a different state back in XXXX. I didnt authorize this transaction nor did I know about it until I received a letter from the above ago.. I have documents showing that I did not live there and I contacted the XXXX XXXX sheriffs department and filed a fraud report, which in turn they notified the above Company. They also notified Weltman, Weinberg & Reis Com, LPA XXXX XXXX XXXX # XXXX, XXXX, Ohio, XXXX of identity fraud. On XX/XX/2022 I received another letter from the above company who recommended I file this report. I have called the XXXX Co sheriff to get a copy of the complaint. They will try and get one, but we where hit by an F4 Tornado which destroyed our XXXX House. XXXX at the Sheriff offices said they will try to get a copy of the report. XXXX XXXX call the above Company regarding the fraud. Also there are no signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an automobile ( lease car ) XXXX installment account in my Experian online account that was settled and paid by insurance back in XXXX XXXXXXXX ( someone hit my car and the insurance concluded total lost on that vehicle ), and the insurance of the driver ( who hit my car ) agreed to cover the loss. However, on XX/XX/XXXX, Experian sent me a message saying they have a result on my dispute and they will update it on XX/XX/XXXX. And then on the very second day ( XX/XX/XXXX ) Experian immediately decreased my credit scores by XXXX points without any reason ( my scores had always been around XXXX for all these years! ) and since then I saw a late payment error in my Experian online account ( not in my credit report )! The XXXX account that I disputed was paid and closed as agreed, it was NEVER LATE. So I tried to call the Experian ( and XXXX ) many times over the last 3 years but the representative were always telling me that credit score is the underwriter 's job and they can not do anything about it because they are just the representative. I checked on my Experian online account it says I have a serious delinquency ( late payment for over XXXX days ) which is NOT TRUE because I have NEVER had any late payment! I checked my credit reports ( from all 3 credit bureaus there was NO LATE PAYMENT ). This happened to XXXX too because I checked when I logged in into the XXXX online account I saw a late payment error ( over XXXX days late ) that was not supposed to be existed. Same thing XXXX credit report showed no late payment, only in their online account it said late payment. I couldn't dispute the mistake both Experian and XXXX make on my online account. I tried to dispute the problem but because it was not in my credit reports but it was in my online account, they didn't do anything to fix the problem when every time I called in ( to both Experian and XXXX ). And because of this, my credit scores went down significantly for the last 3 years and I still can not find anybody from Experian or XXXX to help me look into that. Please help me I am feeling helpless. This error existed for more than 3 years but BOTH Experian and XXXX refused to check on their mistakes. They should not decrease my credit scores without properly checking on my account. My credit scores were ALWAYS between XXXX and I have never once forgot to pay my bill! Please let me know if I need to submit my 3 credit bureaus ' credit reports to support my evidence!
Product: Credit reporting or other personal consumer reports

I made my installment payment on my credits before Experian before the timeframe my most credit score is dated. I disputed 3 times with document and they do not want to fix the error in real time. 

XXXX and XXXX is not report all my lines of credit.
Product: Credit reporting

They have reported some wrongs things on credit report and refuse to remove them. they have also have denied me on a rental applications based on this incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting inaccurate information please correct the mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting Experian for years about this XXXX Bank and XXXX account # XXXX that is listed on my credit report. The last time in particular was when I submitted a CFPB complaint on XX/XX/2022 regarding this account. I was told by Experian that I would receive information in the mail. I would a notice that the account information has been verified as accurate, which is incorrect. The account information is completely inaccurate and Experian refuses to properly verify the information in which they agave listed on my consumer report. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. Ive advised this agency that the date of last activity is incorrect, this account updates monthly as CO as it should be, the past due amount has changed XXXX times since this account has first charged off. How is this so if this is a dead account? Im asking for this account to be verified with the ORIGINAL COLLECTOR and that the ORIGINAL promissory note that I signed be sent to me along with Experian correcting ALL of the inaccuracies on this account or delete this account completely due to this agencys inability to follow consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE Requesting Method of Investigation required pursuant to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I am demanding accounts in question to be delete or removed from my consumer file or credit file immediately. If you fail to comply i will take legal action Pursuant to 15 USC 1681n-Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Debt collection

Name of Company : Source Receivables Management Amounts : N/A Dates : last date XX/XX/2022 Actions Taken : For 3 years this company has been calling our cell phone looking for someone by the name of XXXX. Each time they were told that this person was unknown to us. Then 3 months later we receive another call from them, from a different phone number, but the company name was still the same. We have requested that these calls cease, however, after XXXX XXXX years of this I contacted them after they hung up in my face when I requested their address. Again today they called again and I was able to obtain their address after they once again called. This is harassment for one, this person is not known to us for two, and I was a debt collector for 13 years and am aware that once a collection agency is advised to cease communication and that this is a wrong number-that they are to no longer call. I even spoke with XXXX XX/XX/2022 who stated she was a manager and she refused the address. I am tired of these calls and would like to know how to sue them. This has gone on for way to long.
Product: Credit card or prepaid card

I now have proof regarding my prior complaint against Capital One. I will attach it. 

It proves that they were refunded by the merchant in XX/XX/XXXX. Here it is nearly XX/XX/XXXX. That's the vast majority of a year later, but they still have not voluntarily refunded me. It is incredibly unbelievable and I wonder if they have also screwed me over in other ways which I have not caught. 

I have given Capital One XXXX XXXX more than ample time to resolve this but they just respond " Take it up with the merchant '' and wash their hands of it. In the mean time, they are reporting to all XXXX credit bureaus that I have exceeded my credit limit ( even though I truly have not ).
Product: Checking or savings account

I use Greenlight for my kids, I always keep money in their account so they can get food etc. my daughter had a {$50.00} positive balance for some time now, she tries to buy {$4.00} of food and the transaction is denied. I email the company and they said the account was out of XXXX  with the balance and frequently they have to manually update it. I dont understand how not being able to see an accurate balance is a thing. Of course the error is in their favor and they drain basically all the money from her account. Why am I charged a monthly fee for a service that it seems the bare minimum would be to keep balances accurate.
Product: Debt collection

I have been receiving upwards of 3 calls per week from an unnamed Portfolio Recovery caller ID. The numbers are probably spoofed as it comes from a different number and location every time. There is silence upon answering the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have multiples account reported to my credit report incorrectly, they are harassing me. I would like to be remove from my credit. the credit report have than post it, for example XXXX have the majority. 
I do have a police report with identity theft on those credit card, as proof. 

I need you help on this matter please. 


AMERICAN EXPRESS Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms On record until XX/XX/XXXX AMERICAN EXPRESS Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 



XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX XXXX XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms - On record until XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8200.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Credit limit {$5000.00} XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$860.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$700.00} Highest balance {$860.00} On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$830.00} written off. {$830.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$830.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$750.00} Highest balance {$830.00} Terms -On record until XX/XX/XXXX XXXX
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

This is in rebuttal to XXXX.While the XXXX is addressed. Where is the overage of the {$200.00} will now be applied to? You have not addressed that. 

Also, why didn't I receive written documentation on this. A customer is entitled to know what is being done to an individual 's account. This is illegal. 

I would like written documentation on what the intent is for the rest of the money you illegally took from me during bankruptcy.
Product: Debt or credit management

untied funding logistics, on XX/XX/year> i hired them to dispute and repair credit. i have had 9 disputes. after all that dust settled, nothing happened. it was always a new excuse. thankfully i shut down the card i paid with. this is a way bigger issue than just me. company has promised a very large fcra suit to get people paid out for credit reports not having proper information on them. they have been sued successfully by attorney out of chiago ill. 

i paid them $ XXXX {$300.00} account was closed so i can't see correct amount. and can't access portal anymore either. XXXX XXXX. has made off with millions of dollars of people 's money. 

i have filed with ic3.gov, attorney general office, ftc, and many others. now due to my own due diligence, former employees are now also starting to speak out against this company as well as i have spoken to a few. 

the company should have to make all of there promises right. with interest. i would like to know where my fcra money is that was promised by end of XXXX courts have no listing of any such complaint either.
Product: Debt collection

On XX/XX/2016 I informed my renters management company I would be moving out due to a severe illness that was not getting better. I owed for the month of XXXX, which was XXXX . I moved out on XX/XX/2016. I had movers, my parents who took items to the dump, and an arranged pickup from XXXX center for the XXXX to take items I wouldn't be taking to storage. I left the keys in the house as nobody was in the office when I left, and informed them of the whereabouts of the keys. Two weeks later I received a notice in the mail stating I had left some items in a shed, and that the items would be sold and whatever monies gotten from that sell would be credited to my account. 6 months later I received a notice from a collection agency, Sound collection services for the amount of XXXX XXXX I contacted them and it was for damages to the residence I vacated in XXXX. I asked for an itemized bill, twice, once on the phone and once in writing, and my requests were ignored. The original debtor ( XXXX  XXXX ) kept a XXXX $ deposit. I was never notified I owed this money from them, and they would not do a walk through with me when I moved out.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report the account XXXX Account # XXXX on my report and it is reporting inaccurately. There are several inconsistencies within the account which means it is not being properly validated. 

High Balance : {$1500.00} {$1500.00} {$1000.00} Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type : Home Electronics Sales and Service Miscellaneous Finance Sales Financing Creditor Remarks : Charged off as bad debt Profit and loss write-off loss aid balance it sared as a Charged off account Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am filing a complaint regarding a charged-off account from XXXX that is being inaccurately reported on my credit report. The account is listed with inconsistent information across the three major credit bureaus ( XXXX, XXXX, and TransUnion ), which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2. Creditors are required to furnish accurate and consistent information, and the discrepancies in how this account is reported are causing damage to my credit profile.

Under FCRA, I request that this account be deleted from my credit report due to the inconsistencies and failure to maintain accurate reporting. I have disputed this multiple times with no resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 
Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).