23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ive received over 50 calls from this company Tate, Kirlin & Associates. No voicemail were ever left and I assumed it was a spam call and disregarded. Due to the excessive calls that I was receiving I finally answered and on XX/XX/XXXX at XXXX I advised the caller to please not call me as they are calling my cellphone and calling during work hours and causing issues and distraction from my work. The caller then disconnected. I again received calls on XX/XX/XXXX at XXXX caller did not speak and disconnected call. I received a call on XX/XX/XXXX at XXXXspoke with caller and again advised I had already explained previously on XX/XX/XXXX that this is my cell these are work hours and to cease communication as this is causing me an issue with work. I was advised I was being removed. Another call on XX/XX/XXXX at XXXX spoke with XXXX and again advise the same as I did on the previous calls, XXXX said she will remove me from list. At this point I advised my rights were being violated and requested company mailing address, and name. Initially XXXX tried to disregard my request and said Ill remove you I told her thats what I was previously told and continue to receive calls. Today XX/XX/XXXX at XXXX I received a call, the caller disconnected. I called the phone # back and made contact with female rep who did not provide name-advised I was requesting company info as Im still receiving calls and will be exercising my rights under FDCPA laws- the female asked was the phone # I called in from the number they called. At this point that information is irrelevant Ive spoke with someone on more than one occasion and Im still getting calls. The female rep hung up on me. I called again and spoke with XXXX who first wanted to verify my identity before providing company information, due to me declining to verify information XXXX declined to provide any information. At this time your company has displayed a clear issue with harassment based off the excessive calls prior to contact and based off the repeated calls to my cell phone after I told to cease communication, Im working and this is my cell. Im requesting compensation under the FDCPA Act section 806 for harassment and abuse for each phone call after contact was made and advised to cease calling in the about of {$1000.00} per call and under section 805 communication in connection with debt
Product: Debt collection

Capital One Charged Off alledged debt on their Business Taxes under my Name and Social Security Number as a Profit Gain/Loss and failed to provide me with a XXXX Copy as is required in accordance to tax Laws. Also Capital One Violated Gramm- Leach- Bailey Act 15 USC Section by sharing Unauthorized Access to Customer Information without supplying the Customer with the option to opt out prior to sharing Non Public Financial Information with a third Party. Also failure to send me a copy of the XXXX when Capital One filed it's Tax Returns is clearly Tax Fraud! Under 26 U.S. Code Section 7203 Willful Failure to file return, supply Information, or pay taxes. Also under 453a ( c ) ( 1 ) shall report any portion of the Installment sales obligation to pay interest on the deferred tax liability at the close of the taxable year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management is reporting an erroneous debt on my credit file that I do not owe. I have been disputing this account with them because they keep calling to try and collect on an account that I have already paid! When I received my 30 day right to dispute I immediately called and settled the debt to avoid it from reporting on my credit file. This was a joint account between my wife and I and my wife ended up paying this account but when I looked at my credit this debt was reporting?! This account is paid! Not only that it was paid before it reported on my file so this must be removed immediately. I am also aware that while this account is under investigation you may not report any negative information on my credit file. If you continue to report invalidated information under review this can constitute fraud under both federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Experian on numerous occasions with no success. My credit score with Experian is at XXXX while at XXXX  is XXXX and XXXX  XXXX. I wanted to find out why the discrepancy with Experian 's being so low. I was under the impression that the three credit bureaus should be reporting similar information which does not appear to be the case.
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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This company is currently showing 30 days late XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting or other personal consumer reports

On or about the dates of XX/XX/XXXX and XX/XX/XXXX, I have submitted a formal correspondence to your agency concerning a discrepancy found in my credit report. Specifically, I requested the removal of the incorrect entry associated with my accounts labeled below. In response, you asserted the verification of this account. However, I find it perplexing that XXXX, Equifax, and XXXX present varying payment histories for the periods. By virtue of rule 1002, I assert my entitlement to access the information you are legally required to possess for reporting such information. In other words, for the provided information to be deemed " verified, '' the furnisher must possess sufficient evidence supporting its veracity, fulfilling the requirements stipulated under 15 USC 1666b. Furthermore, it should be noted that under 15 U.S.C .1681A, I, as a consumer, am entitled to privacy protection. Additionally, 15 U.S.C .1681B prohibits a consumer reporting agency from furnishing account information without my written instructions. Lastly, 15 U.S. Code 6802 establishes obligations with respect to the disclosure of personal information, including the requirement for clear and conspicuous explanations to consumers on exercising their right to prevent XXXX from disclosing personal information to third parties. Remove these accounts. 

XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, account ( XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the case of all three credit reporting agencies ( XXXX, XXXX, and Equifax ), the score that is reflected is not consistent with my credit profile, and they can not give me a creditable explanation of why. I have only one late payment within the last four years, and that was while I was in XXXX. I have no collections, no defaults, and no derogatory history. Yet in each instance, my credit score comes back as only Fair. I am requesting that your office look into this and provide me a reasonable explanation of why this is the case. 

Thank you.
Product: Credit card or prepaid card

This is in regard to a billing error on my AT & T Universal Card  account ending in XXXX that have never been handled properly by your dispute department. 
I purchased a XXXX airline ticket on XX/XX/XXXX for {$5000.00} with my AT & T Universal card. The ticket was later cancelled and a request for refund was made. The issue of the refund was confirmed by XXXX, and they mentioned that the refund may take up to 2 billing cycles to post back to my credit card. After waiting for 2 billing cycles, nothing post to my account, even until now. 
I reported the missing credit to Citi on XX/XX/XXXX. They opened a dispute case XXXX and asked for support documents. Then on XX/XX/XXXX, they send me a letter saying that they were unable to help, due to the age of the charge, which they meant they need my dispute to be reported to them within sixty days of the merchants charge on XX/XX/XXXX. 
The fact is that the charge on XX/XX/XXXX is a valid charge and I am not disputing that or ask a chargeback from the merchant. According to the merchant, they had issue a credit but that credit somehow did not show up in my account. Since that credit takes up to 2 billing cycles to appear, I waited to dispute it until I received my XXXX statement when did not see the credit. 
According to the Fair Credit Billing Act USCODE sec1666 section ( b ) ( 4 ), billing errors include The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. This is not the same thing as asking for a charge back from the merchant. And the dispute was made within sixty days when I can tell there was an error. 
Your dispute department did not seem to understand this at all. I have experience with them keep saying for half a year that merchant has issue a credit whereas that credit was never found in my account. 
I hope you can explain to me whether you have receive a credit from merchant while the merchant had confirmed that have issue a credit.
Product: Debt collection

I AM BEING SUED BY XXXX XXXX XXXX FOR A LOAN THAT WAS CLEAR IN BANKRUPTY IN XXXX THEY HAVE CHANGE THE DATE TO XXXX XXXX AND SAID I GOT THE MONEY IN XXXX WHEN I FILE I DIDNT BORROW ANY MORE MONEY FROM ANYONE. I DONT KNOW IF SOMEONE ELSE DID I KNOW I DIDNT.THE ONE WHO IS DOING THIS IS XXXX XXXX XXXX AS I SAID I HAVE NOT BORROW ANY MONEY SINCE MY BANKRUPTY
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 i sent out a dispute letter for inaccurate accounts that had been reporting on my credit report, some accounts are duplicates with diff account balances and alot of inaccurate reporting from all three credit reporting agencies, i sent out proof of my identity drivers license, mail from home address, last 4 digits from ss # on dispute letter, and XXXX sent me a letter past 30 days stating the dispute letter wasn't from me, XXXX and Equifax have not reached out to me not even one time in 90 days and my first dispute letter in XX/XX/ they are clearly neglecting my right to challenge anything i believe is not accurate on my credit file and violating my consumer rights and also being uncompliant with FCRA and METRO 2 COMPLIANCE GUIDELINES, this agency has put stress, frustration and XXXX to my life because of there wrong doings, which has put my financial status in jeopardy to move forward in life, ive listed a few violations below, but not limited to all that apply to my credit profile, i have attached some documents with this compliant as well, ( 1 ) 15 U.S. Code 1681s2 ( a ) Reporting Information with actual knowledge of errors 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.

( 2 ) 15 U.S. Code 1681s-2 ( b ) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, ( ii ) the information is, in fact inaccurate ( 3 ) FCRA 623 ( a ) ( 3 ) Duty of furnishers to provide notice of dispute If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute ( 4 ) FDCPA 807 ( 8 ) False or misleading representations Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 5 ) 15 U.S.C 1681i ( 5 ) ( a ) Treatment of inaccurate or unverifiable information ( A ) If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX BANK XXXX Balance : {$4400.00} XXXX BANK XXXX Balance : {$5700.00}
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, ATTORNEY GENERAL account # XXXX and # XXXX, XXXX / XXXX account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mailed a letter that was dated XX/XX/2022 responding that these accounts were verified as accurate. I received a phone call on XX/XX/2022 from a representative by the name of XXXX, who attested that the accounts referenced ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) could NOT be verified. I asked XXXX, how are they able to report this information, if it could not be verified. She then told me that I needed to call back and have a fraud dispute put in. At XXXX XXXX pst on XX/XX/2022, I contacted Equifax to make them aware of what was brought to my attention. Two representatives informed me that I needed to file an identity theft report, which was completed via the CFPB. According to the CFPB in accordance with 15 USC 1681a ( q ) ( 4 ). ( 4 ) Identity theft report. The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ... Multiple reports has been filed with the CFPB in regards to this fraudulent information. On XX/XX/2022, another dispute was put in, for the information not belonging to me. I spoke with a representative by the name of XXXX, who provided me with this reference number ( XXXX ) for the dispute. I asked XXXX to provided me with details of who verified these allegations. XXXX confirmed that is was a computer that did the verification and not an actual person to verify, which violates Section 603 of the FCRA on the process and method of verification to investigate the consumer report. An identity theft report for the misuse and abuse of my personal information has been filed with the FTC -- Report XXXX. I would also like to note that Equifax has confirmed that everything on my report has been verified and reported as 100 % accurate. That in fact is not true.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXX ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I received an alert from my credit monitoring service. After I checked my report, I noticed a new account from a company called XXXX XXXX. The company reported an account with XXXX that is not mine. Furthermore, I never received any notice of the impending placement of this account to my credit report. I have never agreed to have XXXX XXXX represent me, nor have ever entered any commercial contract with this company. I have to assume that this is either a mistake or a result of identity fraud. I would like this account to be investigated and removed from my credit ; It is not mine!
Product: Credit reporting or other personal consumer reports

I am seeking an investigation into specific accounts on my credit report due to potential inaccuracies. These accounts were deleted earlier but have been added back without my awareness. I was neither informed of their return nor received any mail correspondence regarding this matter.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

XXXX XXXX failed to process my ACH payment correctly on XX/XX/18. Then, bank claimed that payment was returned by my bank, closed my account, and placed a derogatory mark on my credit report. 

I have always paid my balances on time and in full. 

Synchrony has failed to return my calls and emails.
Product: Debt collection

I continue to get calls from XXXX with XXXX XXXX XXXX in California. He calls several times a day from different numbers XXXX and XXXX. I asked his coworker XXXX and XXXX not to call and now they are calling my place of employment speaking to different coworkers threatening wage garnishment when my payment arrangement was not sufficient. XXXX is leaving song tunes at end of messages and derogatory remarks on my home and cell phone.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3.00}