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

I paid off a collection account in the amount of {$3000.00} on XXXX/XXXX/XXXX. On XXXX XXXX I noticed Equifax was still reporting a balanced owed of {$3000.00}. I submitted a dispute through Equifax. The investigation resulted in the creditor agreeing the account should be deleted from my credit report. I was told it could take up to 30 days for it to be removed. In XXXX, I viewed my credit report again and the balance/account was still included in my credit report. I called Equifax and they said I had to dispute again and that the creditor was responsible for reporting the update to Equifax. I called the creditor, XXXX XXXX, and they informed me they had reported it paid to Equifax. XXXX claimed they never received the data. According to the resolution provided by Equifax on XXXX/XXXX/XXXX, the item in question was to be deleted from my credit file, the same result as the initial dispute. However, the item is still shown on my credit report. 

To date, this item still shows on my credit report. I reached out to Equifax again today and was told I would have to file another dispute. I called XXXX XXXX and they informed me they have reported the balance paid in full to Equifax once a week for the past two months.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following unauthorized collection account and inquiries from my credit report. These entries are fraudulent and resulted from identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you take immediate action to remove these items. 
Unauthorized Collection XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$98.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Mortgage

XXXX XXXX, 2016 in the XXXX County of Deeds, CIT Bank, f/k/a Onewest Bank, N.A. duly recorded a Deed on Lieu of foreclosure ( document number : XXXX ) for the property located at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX ( " XXXX XXXX '' ). XXXX XXXX  property Identification Number ( " PIN '' ) is XXXX I only conveyed XXXX XXXX to CIT. However, a closer look at the legal description attached as " Exhibit A '' to the Deed indicates that the PIN XXXX, belonging to the property located at XXXX XXXX XXXX XXXX, XXXX, Illinois, XXXX ( " XXXX XXXX '' ) was included. <P/>The property with the PIN ending in XXXX was retained by me and is encumbered by a Mortgage with XXXX XXXX XXXX, which I pay monthly. CIT 's error has caused the land ending in PIN XXXX to be sold and conveyed to other entitles, which are not entitled to have the property. I 've made a formal demand for CIT Bank to correct the deed in the XXXX County Recorder of Deeds office, they refuses to make the correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. 
The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. Account names : XXXX XXXX Acct. Number XXXX. XXXX XXXX XXXX Acct. Number XXXX. Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish 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, 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 report agency if the person knows or has reasonable call to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I filled a dispute on the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX LEAD BANK : XXXX LEAD BANK XXXX LEAD BANK : XXXX According to Laws 15 USC 6802 : Financial institutions can not disclose nonaffiliated consumer information unless they provide a notice to the consumer, allowing them to opt-out & 15 USC 1681b : Defines permissible purposes for accessing consumer credit reports, such as for credit, employment, or insurance. & 18 USC 1028A : Criminalizes producing or using false identification documents without lawful authority My rights are in CLEAR Violation.

I requested they immediately cancel, discharge and remove this debt as I have no federal obligation to this debt. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information and failure to notify consumer dispute results. This aligns with my situation! This is stopping me from being able to purchase a home. XXXX has not attempted to remove, nor correct any information.
Product: Debt collection

This situation began in XXXX  when I was living in the XXXX XXXX. My parents in the United States received a call from XXXX XXXX XXXX claiming I owed a debt. I contacted them, and after a very frustrating call in which I explained I did not have an account with them and wasn't in the country- so could not legally have been given any US debt, I formally requested proof of the debt including signed contracts, original amount of debt, any payments made and interest and other charges. I never received any information from them. A year later my parents received a letter, I went through the same process, but no proof of debt was provided. The debt has moved from XXXX to various collectors, the most recent being XXXX XXXX XXXX XXXXXXXX XXXX and now Portfolio Recovery Associates LLC. 

Each time I request proof of the debt, I don't receive any. And usually the debt gets sold to another collector. 

What can be done about this? Can random companies continue to profit from selling fraudulent debt claims- when they realise they are uncollectible and can not result in profit to them? Is there any recourse for me, having to go through this situation over and over again?
Product: Credit reporting or other personal consumer reports

I'm contacting you regarding fraudulent personal information linked to my identity. Several accounts and transactions have been wrongly attributed to me without my awareness or approval, causing me considerable anxiety. I've been a victim of identity theft and have already reported this incident. This situation urgently needs addressing, as it's negatively affecting my financial status and reputation. I request your help in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm ready to provide any required evidence and, if necessary, take legal steps to protect my rights and seek appropriate redress. Your immediate attention to this pressing matter is greatly valued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX  Are reporting items that are old that were included in a chapter XXXX bankruptcy some accounts are closed with a XXXX XXXX5 years old.
Product: Checking or savings account

XX/XX/2020 I requested my gym account be closed as gym was closed due to Covid. Gym agreed to cancel my account and continued to bill my account against there word and my revoked authorization causing multiple overdraft fees.
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for remodeling work at my building which located in XXXX IL. I live in XXXX  and the job was supposed to be done in XXXX IL. The XXXX told me that he is doing the work and sent me fake photos of material and the job location. The imposter XXXX did not do any of the work. The job was never started and the XXXX took my money and left. I put my savings to fix this property and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with the bank in the amount of {$950.00}. The bank never investigate my dispute and rejected it after a few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


I am very disappointed. Please remove this fraud accounts right away!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance - XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance XXXX ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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

Hello, my name is XXXX XXXX and starting on XX/XX/2021 my personal information was stolen and fraudulently used to open lines of credit without my knowledge and authorization. I have contacted all the credit grantors involved and have verified with them that these accounts do not belong to me, and I have tried to get these accounts blocked and deleted off my report but I have been neglected even while using the fair credit reporting act. The following accounts are reporting on the referenced bureaus Experian : XXXX XXXX  Opened XX/XX/2021 Bal {$9900.00} XXXX : XXXX XXXX, XXXX. Opened XX/XX/2021 Bal {$6600.00} XXXX : XXXX XXXX  Opened XX/XX/2021 Bal {$9900.00}.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : MONTEREY COLLECTION SVCS Account number : XXXX
Product: Bank account or service

After receiving several threatening phone calls from XXXX collection agency, I gave them bank information via email. They proceeded to collect on a debt which was previously paid. When I contacted the banks ( Bank of America and XXXX ), I provided the previous payment information, including a forgiveness of debt statement from the IRS. I let the banks know I was being called and threatened with arrest even though the bill was in dispute. Based on my email, those banks paid the collection agency. Now they are harassing me on the phone, they know I am XXXX and lost my job.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card or prepaid card

mysynchrony for XXXX credit card has not taken the amount of {$700.00} off my account when they sent me a letter stating that they investiagated my return, proofed that the company receieved the retured item, and said i would not be charged for the item that they would be removing it,. ive checked the account constantly they dont remove it i contacted support again and again and they keep responding that they will check to see whats going on and have me going thru the whole process again and again everytime i contact them .you guys send me letters saying its at XXXX but you continue to have my account saying XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent information reported by XXXX XXXX XXXX on my credit reports with XXXX XXXX Equifax XXXX and XXXX XXXX The discrepancies in the reported data are substantial and have led to a misrepresentation of my credit profile. Additionally, there are concerns regarding a potential breach of privacy as my account was sent to collections without proper notification. I demand the immediate removal of this account from all credit reports and compensation for the harm caused by these inaccuracies and violations. 

Inaccuracies Identified XXXX. Account Status : XXXX : Paid Equifax : Derogatory XXXX : Paid XXXX. Date Opened : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Credit XXXX XXXX XXXX : {$1000.00} Equifax XXXX {$0.00} XXXX : {$1000.00} XXXX. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Payment History : XXXX and Equifax : 30 Days Late XXXX XXXX, 60 Days Late XXXX XXXX, 90 Days Late 2 Times XXXX : No late payments Violations and Impact The discrepancies between the credit bureaus regarding the account status, credit limit, date last active, and payment history are clear indicators of inaccurate reporting. The inconsistency in reporting late payments, with XXXX and Equifax showing multiple late payments while XXXX shows none, further highlights the severity of the inaccuracies. Additionally, the fact that the account was sent to collections without proper notification raises concerns about potential privacy violations. 

XXXX Laws and Regulations XXXX. XXXX XXXX XXXX ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in the reported information violate this requirement. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - Responsibilities of XXXX of XXXX : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
XXXX. XXXX XXXX XXXX ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
XXXX. Right to Privacy : The potential unauthorized handling or sharing of my account information, especially if it was sent to collections without proper notification, could constitute a privacy violation. This involves disclosing sensitive information to third parties without proper consent or authorization.
Product: Credit reporting or other personal consumer reports

Empower.me was made aware that an issue occurred with their system in setting a due date for a cash advance for over {$300.00} and this process was done the exact same way as the previous several months. When selecting " next paycheck '' for the pay back date it has always been set for around the XXXX of the month when I receive government benefits directly deposited to my account. This time however it attempted to collect from me on the XXXX. When I do not receive any pay checks. They informed me they do not have the ability to fix this issue. I stressed they needed to make sure this was not reported to the credit bureaus because it was their systems fault multiple times. They gave no statement of compliance or even an attempt to fix this issue, they.switched team members in the email thread and restated the same thing from the beginning of our conversations over and over and blamed confusion on me as opposed to fault on there's. Then started claiming payments being due on the XXXX of every month that I have never been charged the last several months so I knew were a complete lie. I stated the usual charges for the last several months ( loan repayment around the XXXX and {$8.00} membership fee about XXXX week into month when I initially subscribed to their service ) and they ignored that information changing the topic again. The team members also continuously ignored my request for a supervisor/management to take over the case so I'm unsure if I was ever talking to XXXX. I have emails and can send bank statements to show all of this. It will show I've never repaid in the middle of the month accept XXXX time when I was late due to low finances, but even that was never reported and that original due date was set for around the XXXX when I had selected " next paycheck '' as I always do. It also shows aside from XXXX single time check deposits from a random gig I do not receive any other direct deposits from any other company on a regular basis. I also informed empower about all this as a reason to why their system may have messed up. They did not acknowledge these statements in any replies. As if they did not care to read the statements to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute notices for multiple accounts to experian, XXXX & XXXX in XXXX of 2021 after I received a reply back stating that all accounts were accurate I sent in proof showing that each accounts were reporting inaccurate information. I was the. Told that it was still accurate on XX/XX/XXXX I sent a request to the bureaus asking who and how each account was verified since this is my right as a consumer I was advised that they dont have to reinvestigate any dispute. I never asked them to reinvestigate I simply asked them to provide me with the name and number of the person or persons that validated that the accounts were accurately reporting. The credit bureaus have repeatedly ignored my request and will not remove these accounts that are inaccurate, this is hurting not only my credit score but it is hindering me from living the life I deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I order a copy of all 3 credit reports and I notice that bankruptcy was on all 3 reports XXXX, experian and XXXX I disputed this bankruptcy and i ask all 3 credit bureaus for verifiable information and they said they verified from the bankruptcy court, so I reach out to the bankruptcy court and they sent me a letter stating they don't verify any information with the credit bureau 's and they do not report bankruptcy on a person 's credit report. I will include court paper.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of fraudulent charge-off accounts from my credit report with XXXX XXXX XXXX XXXXXXXX.Upon reviewing my credit report, I identified several entries that are negatively impacting my creditworthiness and financial health, which I believe are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and request its prompt removal. The fraudulent accounts identified on my credit report have been charged off and, by law, should be removed to accurately reflect my credit history. The specific fraudulent charge-off accounts include : Account # XXXX ; {$1500.00} ; XX/XX/2021 To substantiate my claims, I have attached copies of the following documentation : 1. **FTC Identity Theft Report** : This report details the fraudulent activities and supports my claim of identity theft. 2. **Proof of Identity** : Including a copy of my drivers license and social security card. Despite my efforts to resolve these issues directly with XXXX XXXX XXXX XXXX and the credit reporting agencies, the inaccuracies remain unresolved. Therefore, I am seeking your prompt intervention to ensure that my rights under the FCRA are upheld and that all erroneous information is expeditiously removed from my credit report. under the Fair Credit Reporting Act ( FCRA ), there are provisions that require the removal of fraudulent accounts that have been charged off 1. Specifically, Section 623 ( a ) O ( A ) of the FCRA mandates that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information Thank you for your prompt cooperation.
Product: Credit card or prepaid card

In XX/XX/2017, my credit card was fraudulently used to rent a vehicle. I filed a dispute with Navy Federal. Navy Federal 's follow up to my dispute elapsed over 90 days. Navy Federal kept a {$500.00} deposit, but they are also trying to hold me accountable for the fraudulent charge. The credit card was a secured credit card with a {$500.00} limit opened with a {$500.00} deposit. The Fraudulent charge was for {$350.00}. Navy Federal owes me {$140.00} but reports to all three credit bureaus that I have a {$350.00} debt. I have also filed a complaint with the federal trade commission.