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

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the inaccurate information from this account : XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

XXXX and TransUnion ( TU ) did not properly and thoroughly investigate my dispute with " XXXX XXXX XXXX '', in which stated I have no knowledge of the alleged collections account. 
Contrary to the requirements of the FDCPA, XXXX and TU quickly replied " account was certified '', which is baloney. 
Violations are : 15 USC 1692 f ( 1 ) : No original contract ( and/or contract from/with alleged assignee and/or assignor ) is provided.

15 USC 1692 e ( 2 ) ( A ) : Because no contract ( s ) were provided, XXXX and TU are allowing a false representation of the character, amount, or legal status of the alleged debt.

15 USC 1692 e ( 5 ) : No evidence is provided by " XXXX XXXX XXXX '' supporting the alleged " XXXX XXXX of XXXX ''. Both XXXX and XXXX  are known unethical zombie debt collectors. Further, XXXX is a business lendor, and XXXX and TU are personal credit reporting bureaus. Further, no evidence is provided supporting the date ( s ) of the alleged debt.

15 USC 1692 e ( 10 ) : XXXX and TU are providing false representations by lack of documentation of any agreement between myself and " XXXX XXXX XXXX ''. XXXX and TU are also providing false representations by not providing documentation of assignment of the alleged debt from other entities.
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 NUMBER : 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> 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, 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. XXXX 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 XXXX XXXX  has me at a score around 590. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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: Debt collection

The debt is from  XXXX  credit card company. The debt was included in my chapter  XXXX  bankruptcy (  XXXX  ) that was discharged in  XXXX . I have notified this company of of the fact that I have been  discharged  out of chapter  XXXX  bankruptcy several times. It appears that the debt is being sold time and time again because I continue to get calls and harassment continually by different  collectors  swearing they did n't know that I claimed bankruptcy. I have notified this particular collector of the chapter  XXXX  bankruptcy and its filing number, yet the debt still is appearing on my credit. Just a side note on the credit report it shows that the account was opened in  XXXX . That is n't true. I 've not had an account with this provider since the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 medical reporting on my credit report from Equifax with no names of who the creditor is. I have reached out to Equifax on multiple occasions and they have not responded to any of my letters that were sent. 

The Accounts that are reporting on my credit report. 

Account # XXXX High Credit : {$650.00} XXXX High Credit : {$440.00} Account # XXXX High Credit : {$290.00} I have sent letters to Equifax on the following dates and not received any mail correspondence from Equifax. 
XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023 information on my account with XXXX XXXX is reporting late payments and it never was I would like it updated and removed from ever being late
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXXXXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX Account Number # XXXX XX/XX/XXXX ) 15 U.S.C. 1681 Section 602 A states I have 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

Upon reviewing my credit report during the month of XXXX i identify several inquiries that i had never authorized. they are : Settlement, XXXX, XXXX mortgage reporters, settlement XXXX Data, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX. 
I have called Transunion, and XXXX, i have also sent a letter to XXXX. till now no answer
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 
1

5 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

This is my several 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. Regardless of the multiple written requests, the public record, accounts and inaccurate information listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, XXXX, TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove these items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXXr XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 through XX/XX/2019 I was contacted via email by XXXX XXXX that I had to make a payment. I paid XXXX, XXXX, XXXX, and XXXX dollars payments for an account that I did not open. Someone opened a fraudulent account in my name and it has caused issues with my credit report and the account does not belong to me. I had contacted XXXX XXXX  several times letting them know that the account was opened in my name but not by me.
Product: Consumer Loan

A debt collection company that bought my student loan has been harassing me and my family members. The company is RAB Inc./Regional Adjustment Bureau Inc. , XXXX. XXXX XXXX, XXXX, XXXX XXXX. I called to discuss with them that right now, I am unemployed and I can not pay the amount they were asking for in full. I told them when I get on my feet, I would call them to set something up. I told them to stop calling my family members in and out-of-state looking for me and asking them where I work when they have my direct contact information. They had called my wife, my wife 's office, my mother-in-law and my sister-in-law after I told them to only contact me. I also asked them to erase the other numbers, which the agent claimed to do, but a week later, they were calling the others again. They also call from different numbers to try to get us to answer the phone. This has been going on for months and my wife even filed a complaint on the National Do Not Call Registry but it has n't stopped the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or Around XX/XX/23 I Disputed a Bankruptcy for inaccuracies.I questioned about how this information was obtained and the Response was the us bankruptcy court.I Then contacted the court and they gave me Documentation that they dont Report to any Bureaus At all so this is either a lie Or mistake.Nor did I give permission to Share my information this a violation of my Rights to Privacy.
Product: Credit reporting or other personal consumer reports

Experian refuses to investigate this matter. Theyve had a previous complaint well over 30 days now. 

Experian is saying information came back and stated information verified was inaccurate when in FACT THE INFORMATION IS NOT ACCURATE ( SEE ATTACHMENTS AS PROOF ). THE DEBT COLLECTION COMPANY IS COMMITTING FRAUD AND INFORMATION SHOWING ON MY CREDIT REPORT IS NOT ACCURATE BASED ON INFORMATION SHOWING WITH STATE OF FLORIDA OFFICE OF REGULATION. ( SEE ATTACHMENTS AS PROOF ) Collection Agency XXXX XXXX XXXX XXXX  is committing FRAUD AND ILLEGAL ACTIVITIES in the State of Florida  AND Experian are reporting inaccurate and incomplete information which is FCRA violation and State of Florida  Statue Violation. 
Experian and the collection agency XXXX XXXX XXXX XXXX are both in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 collection agency XXXX XXXX XXXX XXXX is in violation of ; State of Florida  Statutes Title XXXIII, Chapter 559, Part VI - Consumer Collection Practices Violation State of Florida Statutes Title XXXIII, Chapter 559, Part VI - Consumer Collection Practices Violation Penalties for violations.Any person violating any provision of this part shall be guilty of a misdemeanor of the first degree, punishable as provided in s. 775.083, and the circuit court shall have jurisdiction in equity on the complaint of any interested person to restrain and enjoin the violation of any of said provisions.

Im currently a resident of the State of Florida. Experian credit report is showing that Experian stated they verified this debt with XXXX XXXX XXXX XXXX and their address reporting on my Experian Credit Report is XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX The State of Florida  states all collection companies trying to collect a debt from State of Florida residents must be licensed with State of Florida Department of Regulation . When reviewing the companys registration with The State of Florida Office of Regulation it clearly shows a different address ; therefore, the company reported on my credit report is fraudulent. ( See Attachment For Copy of License From State of Florida Office of Regulation ). Address showing on State of Florida Office of Regulation is as follows ; Business Main Address and Business Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX
Product: Mortgage

My mortgage from XXXX XXXX was sold to SLS in XXXX XXXX. I paid my XXXX payment ( {$1200.00} ) to XXXX because I 've done this for 10 years. I started receiving notifications from SLS in XXXX that they now have my mortgage and need to begin making payments, but the payments have increased by {$400.00}. I 've asked since XXXX, for an escrow review of my mortgage to no avail. As of date, I have not received anything from SLS pertaining to why my mortgage has increased. I 've spoken to them 3 times, and still no reason, explanation, or letter. I made my XXXX, and XXXX payments because their customer service representatives told me to continue to make payments of my original mortgage {$1200.00} and it will be placed in holding as " good faith effort. '' On XXXX XXXX, XXXX I received an Intent to Foreclosure letter indicating I have n't made any payments. I have my XXXX XXXX statements that indicate I 've made payments. 
I 'm really disappointed with SLS, their representatives, and their policy and procedures regarding retaining records, collecting payments and not applying them to my loan. They are threatening foreclosure and I 've made payments. They want me to pay {$400.00} more without reason or explanation informing me why.
Product: Checking or savings account

I am writing to file a complaint against Key Bank regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

harrassing me constanty for past one year. even though after i sent signed letter to claim that i need more details. the debts showed up on my credit report without justification.
Product: Checking or savings account

I tried to open a checking account and it wouldnt allow me to open XXXX due to my Early Warning XXXX Score being too high risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unauthorized inquiries on my credit several times to Equifax and the companies who did the inquiries with no luck getting them removed. I have explained that I am a victim of identity theft and submitted an FTC report to back it up. Equifax refuses to remove the inquiries on my credit report that I did not authorize. 
The following inquiries are fraudulent and show the action taken for each XXXX : XX/XX/XXXX XXXX XXXX  XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX, NO ACTION TAKEN XX/XX/XXXX XXXX  XXXX, XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX ALLY FINANCIAL Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX CAPITAL XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX - XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed XXXX NO ACTION TAKEN XX/XX/XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX, XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX - XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : INQUIRIES : XXXX : INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX XXXX : INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT XXXX : XXXX XXXX XXXX DATE : XX/XX/XXXX TRANSUNION INQUIRY ACCOUNT XXXX : XXXXXXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

PREVIOUS COMPLAINT NUMBER -XXXX On XX/XX/XXXX I notified XXXX , XXXX  , and Experian via Affidavit that multiple accounts on my report are fraudulent. I then contacted each reporting agency via phone on XX/XX/XXXX to follow up on the status of the investigation. XXXX nor XXXX provide me any verification of the investigation that was conducted. But all accounts still remain on the report. I placed a call on XX/XX/XXXX to XXXX  in which I recorded a new dispute in which no validation or verification was provided for. I allowed them thirty days to respond with that validation as well as to the alleged creditors. On XX/XX/XXXX I filed a UCC -11 debtor form in the State of Illinois in which it reflected that no claims/liens filed on my name in which those alleged account were in reference to. On XX/XX/XXXX All Credit Reporting Agencies were notified via Affidavit and Ucc11 certified debtors search to reflect the exact information being displayed from the certified search which is NOTHING ON FILE. I HAVE ALLOWED OVER 90 DAYS FOR THIS MATTER TO BE RESOLVES AND ITEMS TO BE REMOVED FROM THE REPORT. AS OF XX/XX/XXXX THOSE ITEMS ARE STILL LISTED ON THE REPORT, DAMAGING MY ABILITY TO OBTAIN CREDIT.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to find unauthorized inquiries that I can not explain. Ive never seen these discrepancies before, and despite refreshing my browser to rule out a technical glitch, the issue remained. This situation is deeply upsetting, and I need you to carefully verify the documents I provided to resolve this problem immediately and ease my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I am unable to link my bank account to my XXXX account. I need to be able to securely and quickly send someone some money. I get this error : " PNC has made a change that prevents you from being able to link your accounts. ''
Product: Debt collection

I sent a dispute letter regarding an account on my consumer report. They responded by sending me a copy of the following alleged information : original contract, account statements, and account transfer document. I sent them another letter describing how they failed to provide me the required documentation and again they responded by sending me the same documents they did before. It is clear that this company is willfully noncompliant with the rules set forth by the FTC and is in violation of said laws.