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

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Reported two 120 Day lates, Both in XX/XX/XXXX ( XX/XX/XXXX ). There is a {$0.00} balance on this account. I have made numerous attempts disputing this negative reporting, both to XXXX XXXX and Equifax Credit Bureau but as of to date there has been no resolution of corrective action granted. 

My issue is not soley with XXXX XXXX it is with Equifax. It is my belief that due to my continuous disputes of the XXXX account, regarding the matter of inaccurate/false reporting, Equifax purposely and falsely marked two 120 Days late on my credit file, XX/XX/XXXX. 

Today, XX/XX/XXXX I made contact with SN Servicing, I spoke to 3 representatives to inquire of the exact year and date of their last reporting to Equifax regarding the negative account. I was told that the account was closed and last reported to Equifax in XX/XX/XXXX and they have not reported any other negative information regarding this account since. If XXXX closed the account and last reported XX/XX/XXXX how could it be possible to have two negative reportings of 120 Days in XX/XX/XXXX as it is reported on my Equifax Credit file. 

Please, I need to understand if and why this is a fair, accurate, and truthful reporting according to Equifax. PLEASE HELP! My husband and I have been declined a mortgage due to this false reporting.
Product: Consumer Loan

XXXX has an Account open for XXXX for Ford Motor Company. This was paid off and has a XXXX balance as of XXXX XXXX. XXXX has it reported correctlyAccount Details Last Reported XXXX XXXX, XXXX Creditor NameFRD MOTOR CR Account Type Automobile Account Status Open - Derogatory Opened Date XXXX XXXX, XXXX Closed Date Limit Term 60 MonthsMonthly Payment {$730.00} Responsibility Individual Balance $ XXXX Balance {$39000.00} Payment Status Current Worst Payment StatusCurrent Date of Last Payment XXXX XXXX, XXXXAmount Past Due $ XXXX Times XXXX XXXX RemarksReaffirmation of debt
Product: Mortgage

Submitted Borrowwer Assistance Package XX/XX/XXXX Rushmore requested more info XX/XX/XXXX Send amended pages as requested XX/XX/XXXX XX/XX/XXXX submitted additional documents as requested XX/XX/XXXX received letter from Rushmore stating my home retention package is complete. Rushmore stated they will send a written determination for foreclosure prevention. 
XX/XX/XXXX received letter of intent to foreclose. 
Spoke to Rushmore representative XXXX XXXX who assured me that the letter of intent is just a formality and as long as my loan is with underwriting they will not foreclose. 
XX/XX/XXXX received request from Rushmore for updated property insurance naming Rushmore XX/XX/XXXX sent insurance via email, fax and fedex XX/XX/XXXX XXXX XXXX started he was in receipt of insurance XXXX page and my file was with underwriting and it should be no longer than another week for an answer. 
Rushmore LM had 30 days as per CFPB Reg X SS 1024.41 to respond to me with an answer about a foreclosure prevention alternative. 30 days was on XX/XX/XXXX. I have yet to receive a response.
Product: Debt collection

ARS collections has been harassing me via mail and phone calls saying I owe them {$1400.00} and I have asked them to validate the debt on many occasions which they have not done. So I called the medical billing center to get a physical copy of the bill and come to find out the actual bill is {$600.00}. This bill is affecting my credit in a negative way and my living situation and they refuse to rectify it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile contains an inaccurate account.
Product: Debt collection

Notice for Proof of Claim Account : CREDIT COLLECTION SERVICE # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting or other personal consumer reports

I am looking at my current credit report from XX/XX/XXXX, and noticed some public records that are not accurate. And according to the fair credit reporting and whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The items in question are XXXX XXXX case # XXXX / XXXX XXXX case # XXXX XXXX case # XXXX / XXXX case # XXXX / XXXX case # XXXX / XXXX XXXX case # XXXX also one more thing according to 15 USC 1681s-2. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inacurrate. 

Check attachments below
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent mail included a copy of my XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX XXXX to XXXX XXXX XXXX, Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to XXXX XXXX XXXX ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX. This has cause me great anxiety, stress, and financial hardship. 

I also am disputing XXXX collections account that I have no services with that is reporting inaccurately on my credit report. 

XXXX XXXX # XXXX XXXX XXXX # XXXX Please all accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, There are several credit accounts that i did not approve Please remove the following accounts : XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/2019 i tried to deposit a check to my Ally Bank checking account. The check bounced due to no fault of mine. The check i was depositing came via an online payment check sent by XXXX XXXX XXXX   to me. I was simply depositing it to my Ally Bank account. XXXX made a mistake and advised Ally Bank that the corresponding account had been closed. XXXX admitted the error and offered to pay the fee Ally charged me for the bounced check. The problem i am writing about is that Ally closed my account due to this. The issue with the deposit was not my fault but Ally did not care. They vindictively held a simple mistake against me. I tried to reach their management for a response and they refused to speak with me. This is vindictive and terrible customer service and very discriminatory.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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, or hard inquiries as reported. 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 # ( private case number ) 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

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX  XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called XXXX XXXX   and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX  have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Checking or savings account

On XX/XX/XXXX Bank of America closed all my accounts for a risk factor that wasnt explained.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get Experian to remove incorrect info on my report. I have been told that the dispute was verified by a 3rd party vendor but won't disclose who the vendor is. When I asked why they first told me they don't have to supply that information, the other response I got was it is a security risk. I am not sure how I am suppose to have something removed from my credit without being able to speak with the 3rd party vendor. I did XXXX who Experian uses for public record verification and found XXXX XXXX. I reached out to them and sent me a copy of my public records report which shows to bankruptcy 's on the report. Experian is violating the consumer credit protection act which states the following " If requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

My second issue is I have a charge write off being reported from XXXX XXXX which is also incorrect. I have supplied documents that the account was paid when the bill was due. They claim the company has verified the claim but yet they have stated they were never sent proof from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX has violated my rights. ( LATE PAYMENTS ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. 



In accordance with the Fair Credit Reporting XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. ( LATE PAYMENTS & CLOSED ACCOUNTS ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. 



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights ( LATE PAYMENTS & CLOSED ACCOUNT ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. 



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights. ( CLOSESD ACCOUNT ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

My original bill was {$2100.00}. I've paid my bill on time every month which brought my bill down to {$900.00}. I'm now being charged a {$740.00} interest, they said the promotional period ended. I spoke to a " supervisor '' XXXX ID # XXXX who was incompetent and didn't know how to deal with this. This company is a scam and need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the business and the date is XXXX XXXX, XXXX! I wasnt even in Kansas and if i was i lived in XXXX  XXXX, Ks! The amount is XXXX dollars and its fraud! The company is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Theres fraudulent accounts and negative information listed on my Cross Check , Inc., Consumer Report. The accounts and information is all fraudulent accounts and information, not my accounts or information, and dont belong to me. I was just released from prison and I was incarcerated for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Product: Credit card or prepaid card

On XX/XX/2019 I checked my Synchrony Bank Walmart Credit Card balance, with a limit of {$1400.00}, I had only recently used around {$200.00} for a balance of {$600.00}. On XX/XX/2019 I go into schedule to pay what I had recently used and my credit limit was dropped to {$830.00}! I have not been late once, had no notice on the reason why I my limit was dropped and when I inquired on to the reason they could only say I had been late on 3 payments in the previous year! I have not been late once! I pay constantly during the month and whenever I make a purchase I immediately make a payment to avoid finance charges!! Not only did this hurt my credit in lowering my available credit, but also my utilization which was at 20 % has been jumped to 60 %!!! When I went to purchase a vehicle this weekend, due to this blatant attempt by Synchrony Bank to ruin my credit reputation, my interest rate is much higher than need be. I wish to have my previous credit limit restored and pay this card off and say good riddance to such a fraudulent credit company. Seeing others reviews on this bank lets me know I am not alone in this fight against Synchrony.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : {$110.00} XXXX XXXX XXXXXXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

This company is calling as an attorney stating they need me to meet them at an undisclosed location to sign certified documents. I explained that this debt was opened by an ex cohabitant and then the company called my significant other and left my personal information on HIS voicemail.
Product: Checking or savings account

I am a member of Vystar credit union for over 12 years I dont live in XXXX XXXX , and I am trying to access my account to wire the funds to my account in XXXX XXXX and the bank each time I call comes with three different stories. 1. The bank says the account doesnt longer exist 2. The other time the person in customer service access the account and wired the money to my bank in XXXX XXXX but I never received the funds and a day later another banker said they cant give me any information. 
I feel the bank stole my money since they know I live abroad and I am only temporary back in USA and they deny my right to access my account even after passing all the verification they asked for. The account should have over US XXXX that I cant access and I need an immediate solution and retrieve and cancel this account.
Product: Credit reporting 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 inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I am reporting a Fraudulent inquiry founding in my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I received a texted from XXXX that deposit of {$1000.00} was deposited into my account at XXXX XXXX. I was leaving for vacation out of country next morning therefore I called my bank which is TD Bank on XX/XX/2024. I explained I received a large sum of money from someone I do not know and was not expecting this money. A claim was made with my bank ( Claim # XXXX ). The money of {$1000.00} was removed from my account on XX/XX/2024. 
I received an email on XX/XX/2024 that my XXXX account was suspended. I reached out to my bank and they explained to me there was a fraud charge of {$1000.00}. There was no fraud charge since I did not send this money and this money was removed from my account. I reached out to my bank today and received notice from my bank that they are unable to unsuspend my account due to a fraud charge on my account of me receiving the amount of {$1000.00}. This money was removed from my account as I reported this to my bank. 
My bank explained to me there is nothing else they can do.
Product: Credit reporting or other personal consumer reports

According to FCRA section 605B, these items shown are inaccurate please remove from report. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> Filed FTC report attached below.
Product: Debt collection

I was sent a letter saying that I owe XXXX. I attempt to contact this firm to settle the debt, and they have no record of my account. I attempt to pay online and my account is linked to another person 's information saying I owe over $ 2k to a utility company I have never heard of.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my recent credit report and noticed there are some fraudulent accounts, please remove these accounts from my credit report as they are hurting my ability to obtain credit. Thank You.