23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that it was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates, XXXX XXXX im now requesting you to investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action.
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. 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 an 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. The list of inquiries below should not be on my credit report : -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: Payday loan, title loan, or personal loan

Hello, I had gotten behind on payments to this company. They started to send me emails telling me that I can reply and they will work with me on the issue. Everytime I replied it would auto generate an email telling me to call. I will not call as I want everything in writing with this company. I have even gone so far as to file a XXXX  complaint asking for some type of communication and chance to work out a payment plan that I can handle or to defer them till end of XXXX. No response and what they have done now is riddled my credit report with over 30 hits now for late payments, have three different sleazy collection agencies harassing me now - XXXX XXXX XXXX, and XXXX XXXX. Harassing me via my personal phone with texts, harassing me with calls, harassing me with letters now. I still have yet to hear anything from affirm. They have destroyed my credit report. All I wanted to do was work out a deferment plan and then a payment plan till I could get going on them again. I got behind on alot and now and getting back on feet.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following informaiton belongs to someone else and should not be listed on my credit report. I am the victim of identity theft and I have reported this numerous times to the credit reporting agencies : XXXX/XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud, XXXX  XXXX XXXX XXXX - fraud, XXXX XXXX   XXXX/XXXX - fraud, XXXX XXXX  XXXX - fraud, XXXX  - fraud, XXXX - fraud.
Product: Debt or credit management

The company is Jefferson that is asking me to pay {$200.00} on a debit that amount {$580.00} on a XXXX XXXX XXXX XXXX XXXX. Close to around this amount. I dont know who they are and someone reached out to me by the name of XXXX under an another collection agency asking to settle a debt for $ XXXX. 
Something else is puzzle, I have an inquiry on my credit from XXXX XXXX from XX/XX/year> About a credit loan for a car I dont or never authorize this on my credit. 
These are XXXX separate situations on my credit that I need to have proof of please help me with those XXXX items on my credit report thank you
Product: Debt collection

This is my second last complaint I am filing in regards to convergent outsourcing. Upon speaking with supervisor today he hung up directly on my face ( call did not drop ). I took care of an account with them back in 2017 AND I WAS STATED THAT IT WOULDNT BE REPORTED ON MY CREDIT REPORTS. fast track to today, and I've been allocating well over 20 hours per week to fix this matter ( started a week ago ) each and every single representative that I am speaking with is lying to me and furthermore I do not apprecite the hang up by the supervisor. This company has been an absolute nightmare to work with and I am in the process of getting an attorney. They have wasted so much of time and are extremely unprofessional.
Product: Debt collection

Every morning I get the same phone call and sometimes in the evening as well. I've tried setting up a plan and I wasn't sure of the exact day I was able to make the first payment so i estimated the which day and when i missed the payment i got a call and the guy on the phone kept insisting I needed to pay something that day. Kept interrupting me everytime I tried to explain why I couldn't pay. So I hung up on him and now I'm called every morning and sometimes evening.
Product: Mortgage

On XX/XX/XXXX Amerihome mortgage company took XXXX mortgage payments unauthorized out of my checking account totaling {$5500.00} I called them immediately and there was nothing they could do. so I called the bank XXXX XXXX and I put in a claim with them to stop that payment from going through. the mortgage company said that they were going to refund me the money that was on the XXXX when they said that they were going to issue me a refund its now with the XXXX And nobody at the mortgage company can tell me where the refund is, if a check was cut, if a check was sent, whats the amount of the check, no check information at all I am but now that they pulled that money from my account when XXXX XXXX took the {$5500.00} payment back they nous say I havent made a payment since XXXX I have made all my payments. I have made all my payments on time and now theyre saying I owe them {$5000.00} when they have all the money Im not sure what to do this mortgage company is very difficult you cant talk to anyone that can do anything, wait on hold for hours so they can do research theres no communication within the company. they dont talk to the department that deals with the refunds. I just dont know what to do. I cant access my account online because they blocked it because they say Im more than XXXX months behind on my mortgage they said they were gon na send me to collections Im just unsure of what to do
Product: Debt collection

LTD Acquisition, LLC is attempting to collect an old debt that was paid off. The debt owed to XXXX XXXX card issued by XXXX XXXX XXXX XXXX  was paid in full. 

I was issued a new credit card by XXXX XXXX after I paid the old credit card debt off. 

LTD Acquisition, LLC, recently added a {$660.00} collection debt to my credit portfolio. 

The original debt was a paid charge off.
Product: Debt collection

To consumer financial protection bureau ( CFPB ) From XXXX XXXX XX/XX/year> Re final demand for removal of inaccurate collection account and substantial compensation This serves as my final and unyielding demand for the immediate removal of the erroneous collection account associated with rent recovery solution from my credit report The continued process of this demonstrably false information constitutes a egregious violation of my rights and a blatant disregard for both the law and ethical business practices. 
The following violations are undeniable : 1.Absence of private of contact : no contractual agreement exists between me and rent recovery solution rendering their claims to any debt utterly baseless. This fundamental legal principal make the inclusion of this account on my credit report a blatant act of fraud and a direct attack on my financial well-being. 
XXXX violation the presence of this inaccurate account flagrantly contradicts the following practices of the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and. ( XXXX ) consumer reporting agencies obligation to maintain accurate complete and up to date credit reporting information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rent recovery solution obligation to refrain from furnishing inaccurate information to the credit reporting agencies XXXX XXXX rent recovery solution potential liability for significant damage and penalties from noncompliance with the FCRA XXXX additional violations the false account further breaches the following legal status XXXX XXXX. XXXX these provisions mandate the credit reporting agencies implement stringent procedures to ensure the maximum accuracy of consumer information Fair debt collection agency ( FDCPA ) and XXXX fair debt collection practices act ( XXXX ) these acts prohibit the sale or purchase of debt known or suspected to be illegitimate Federal law XXXX XXXX. XXXX Mail fraud and XXXX XXXX. XXXX XXXX be applicable to this case due to potential for deception and fraud. 
My demands are clear and nonnegotiable -Immediate investigation -account removal -substantial compensation -written acknowledgment and guarantee * admitting their error in reporting false account * guaranteeing they will cease all attempts to collect * providing a detailed explanation of the steps they will take to ensure error are never repeated
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX/XXXX XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX/XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXXl. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 XXXX 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

Consumer reporting agencies XXXX, TRANSUNION & XXXX are violating my consumer rights with respect to furnishing unlawful consumer reports on my behalf. XXXXFR Title 15 USC 1681a 2 clearly states the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; these consumer reporting agencies are in clear violation of the law furnishing information in the status section of my consumer reports containing nonpublic personal information solely to transactions and experiences between me and the banks making the reports. They are to lawfully be deleted immediately. There are over a dozen accounts where consumer reporting agencies are in clear violation of the law in the furnishing of my consumer report.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries on my credit Attached is my FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both XXXX XXXX XXXX XXXX and EQUIFAX about the fraudulent account opened XX/XX/XXXX Account number XXXX on my Equifax credit report. This account was FRAUDULENTLY OPENED AND NEEDS TO BE BLOCKED AND REMOVED! 

I have sent Equifax and the furnisher, XXXX XXXX XXXX XXXX a notarized Police report, Federal Trade Comission Identity Theft Affadavit and supporting Identitfcation documents along with a formal request for deletion of this account and a fraudulent credit inquiry ( syncb/paypal XX/XX/XXXX ). 

I DEMAND FOR THIS FRAUDULENT INFORMATION BE BLOCKED AND REMOVED FROM MY CREDIT REPORT BECAUSE IT IS HINDERING MY FINANCES AND LIFE! I AM A VICTIM OF IDENTITY THEFT AND AND REQUESTING ASSISTANCE IN FIXING THIS PROBLEM!
Product: Credit reporting or other personal consumer reports

I have been asking this company for several years to confirm that this credit card belongs to me, which they have not done. I do not recognize this account and never opened it. I noticed this account on my credit report in 2020 and reported it to total visa. I am a victim of identity theft and have filed a report with the Federal Trade Commission, which I sent to the credit reporting agency. However, this account is still on my credit report, and it needs to be removed because it is not a valid account that I authorized.
Product: Debt collection

Im exercising my right as a consumer section 609 of the FCRA states that proper documentation has to be provided with a original signed contract with my signature. XXXX XXXX account is being reported on my credit report this account was deleted but yet is still being reported. Ill attach documents that this XXXX account was deleted from XXXX XXXX. So I need XXXX to remove this as well. Reach out to Web bank XXXX XXXX and ask them to provideyou with what Section 609 of the FCRA wants. Experian you never provide how you did your investigation what method you provided to get accurate results instead of number codes.
Product: Credit reporting or other personal consumer reports

Equifax Inc. is headquartered in XXXX  GA. Equifax Inc. is a for profit traded company under symbol EFX in the business services industry. 
Equifax is regulated by the FCRA and in occurrence with the FCRA. Equifax must comply with The Privacy Act of 1974, and 15 U. S. C 1681 a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers ' right to privacy. 
I have not verbally or given any written agreement to Equifax that allows them to report or provide any information on any report pertaining to XXXX XXXX. 
They have violated 15 U. S. C 1681b, 15 U. S. C 1681c, 15 U. S. C 1681e ( a ) ( b ) and being as though Equifax has not received any written instructions from a federally protected consumer. Equifax has stolen my identity under 12 CFR 1022.3. Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
I have the right to make sure my private information isnt shared, which is backed by 15 U.S.C 6801. 
These are the accounts I want removed from this credit profile : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

Continues to call ALL day throughout the day from different area codes, different customer serv reps which always asks me the same questions over and over again, never updates my account, will not mail a copy or email my account, I have received numerous emails with incorrect information, can never speak to anyone in the collections dept, I have been left on hold to speak to a " supervisor '' and the list goes on. So, I stopped calling them to rectify my debt, I am truly sorry I ever did business with this company, I believe they are a scam.
Product: Credit reporting or other personal consumer reports

To whom it may concern, There is a need to ensure that a consumer reporting agency exercises their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with exception of or if it is not there update it to the following information : Please delete all non-mailable addresses, .I demand that my DOB be furnished the correct way. Delete all information in the employer section. 

Please delete all fraudulent inquiries 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 Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 


Enclosed is a copy of State ID, Utility bill showing proof of address.
Product: Credit card or prepaid card

Receive a credit refund on XX/XX/XXXX in the amount XXXX from XXXX XXXX XXXX which is showing as a credit on my account -After that made 2 more payments XX/XX/XXXX - {$190.00} from my XXXX checking account along XXXX {$1000.00} ( XX/XX/XXXX ) deducted from my account. The Total credit account is XXXX total in payment and credit on account. All payments were paid befoew the payment due dates which was the XX/XX/XXXX. for no interest fees. 
Total charges up to date as of XX/XX/XXXX - XXXX Substracting XXXX minus XXXX = a positive balance of XXXX -they own me. I ( XXXX XXXX ) spoke with XXXX representative of Capital One - XXXX @ XXXX and he is stating I own a balance of XXXX cents. I advise I do not agree with his addition nor his balance and I will not pay another cent to Capital One and to close the account. This is the 2nd time I had to correct the fees and charges on this account. The first time the corrected the issue with me reporting them on two different platforms. Now I just want to close the account and for them to send me my refund due on this account. I am taking my business else and will not do business with them again. 
XXXX XXXX - XXXX XXXX XXXX contact number
Product: Credit card

On XXXX XXXX XXXX 2023, XXXX purchases of {$500.00}. were made totalling {$1000.00}. Discover informed me and asked if I made these purchases. I immediately replied and I said no. However, Discover still allowed the transactions to go through. They adjusted the bill and charged me for XXXX of the tranaction. I owed them {$590.00}. 
The present bill should have been only {$590.00} but Discover went ahead and added the XXXX transactions again to the {$590.00} and charged me {$41.00} plua interest on the amount owed. The bill is currently incorrect. My credt score was in the XXXX but Discover have reported me to the creit reporting agencies and presently my score is in the XXXX. 
I would also like to Discover to rectify information and my name to be cleared off the wrong doing at the credit reporting agencies. At present, I owe only {$590.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Their date : XX/XX/XXXX {$100.00} I never opened an account with this creditors. I contacted the creditor to provide proof that this account was opened by me and not someone else. Creditor did not provide proof that I entered into a contract. Creditor will not remove. 

XXXX XXXX Their date keeps changing and shows new date of XX/XX/XXXX {$460.00} I never opened an account with this creditors. I contacted the creditor to provide proof that this account was opened by me and not someone else. Creditor did not provide proof that I entered into a contract. Creditor will not remove.