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

I recently challenged the validity of XXXX, XXXX account that is being reported on my most recent credit report. Upon this challenge, XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Equifax, the account was verified. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting information used to verify this account in writing. If such documents can not be produced, please delete the account listed above from my credit report immediately. 

I have personally contacted XXXX, XXXX many times over a XXXXyear period and have yet to receive any supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my son get a car so he can have for college and I was approved but with a little higher interest rate than expected. I try to watch my credit as much as possible and I saw an account from XXXX XXXX  and alot of inquiries I know nothing about. Please remove this from my credit 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.Im doing this on my own and has contacted the FTC and my police here.
Product: Credit reporting or other personal consumer reports

Equifax is showing XXXX XXXX XXXX account close and paid in full with XXXX balance with last payment of XX/XX/XXXX. 

However, Equifax is showing late payments from XX/XX/XXXX through XX/XX/XXXX. How do you make late payments on an account that was closed and paid in full since XXXX. 

Please provide proof of this account being late from XX/XX/XXXX through XX/XX/XXXX. Equifax has 7 days to correct this error. Or I am going to my attorney and filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX they said i paid {$100.00} XX/XX/XXXX they said i paid {$100.00} XX/XX/XXXX they said i paid {$100.00} XX/XX/XXXX they said i paid {$100.00} this account has had fraudulent charges made on it going back to XXXX fight to get fixed. 
asked them for records for the charges they wont help. they added fake payments to the account making it look like i used it. then sold to debt collection service. 
I have proof look at uploaded credit report picture the account balance is the same after fake payments and fake dates of payments fraud want this syncb/amazon account remove for inaccurate reporting on my credit report syncb is doing fraud syncb/amazon
Product: Consumer Loan

I took out a loan with Onemain Financial , Inc. located at XXXX XXXX XXXX XXXX Ga XXXX back on XXXX/XXXX/XXXX. I borrowed {$1000.00}. I went back to borrow {$500.00} on XXXX/XXXX/XXXX for them to payoff XXXX XXXX and XXXX. The balance was {$600.00} for XXXX XXXX. They gave me a check for {$600.00} to pay them off. They also gave me a check for XXXX the same day to pay off XXXX which totals to {$2500.00} plus the renewal of {$99.00} of all the money ever borrowed. I missed one payment back for XXXX/XXXX/XXXX. I went back to them on this date to do a renewal because I did n't have the money to pay for XX/XX/XXXX. They said if I did n't do the renewal they was going to take me to court. They gave me a check for {$99.00} for me to turn and give back to them with prepaid finance charge of {$260.00}. When I add up my receipts I 've paid them over the course of this loan close to {$10000.00}. I told my brother about my situation. He immediately wanted to know what was going on. I had him to speak with the manager at OneMain Financial. He ask the manager for the number of payments. She told my brother they only had a record of 27 payments. I pulled out my money order receipts and counted 38. There are more receipts. I have to find them due to the fact I had to move. My brother took me there to discuss why the loan was so outstanding although I have been paying faithfully XXXX to XXXX every month with a few exceptions. When we got there we asked to speak with the manager. The manager was not available therefore we had to speak with someone else. It was a gentleman. My brother wanted to see all details pertaining to signatures and copies of signed return checks. He was not able to produce valid signatures on all the documents. He was telling my brother that I had kept coming down there to borrow money and something in reference to a renewal. In the process of going through the documents my brother notice that there was XXXX loan for {$850.00} that was signed by someone else they claimed I got a month later on XXXX/XXXX/XXXX. This is not correct. I have not been back there other than the times I mention earlier. The service rep was shaking and falsely accusing me of coming back there to borrow the money. Someone signed my name in the style of printing my signature. We ask for copies to justify my innocents. I did received copies of some the records. The payoff balance as of XXXX/XXXX/XXXX was initially {$6200.00} even after 4 years of paying them close to {$10000.00}. I asked him why am I still paying for this loan. That 's when he stated to me that I kept coming down there to borrow money or something concerning a renewal. He then went back into the computer and changed something. The balance is {$5600.00}. I do n't know what they are doing but I 'm worried and sick of the threats of taking me the court if I did n't pay even though I pay every month. In short, I feel someone has committed forgery in my name as if I have taken out additional loans that dates back to XXXX/XXXX/XXXX. The interest rate was 25.37 % to 30.45 %. I XXXX XXXX am giving XXXX XXXX to discuss anything concerning this case.
Product: Debt collection

This company has no legal authority to collect this account. They have made an illegal entry and gained access to my credit report for money that is not due and paid in full, months ago to the principal account holder. This amounts to an attempt to illegally collect money that is not due. I call that extortion. This company has no assignment of claim and therefore no standing to collect anything. This company has gained access to my credit report under fraudulent pretext. I have a 'credit alert '' system in place and on XX/XX/2019, I was advised of this illegal action by that alert system. The company has made no effort to contact me over this so I wrote them a letter, as this is the weekend. A few months ago I filed a complaint with this agency over this issue and XXXX. Since then I have discovered a pattern of deception by XXXX and now this company has gotten involved. 

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

accounts showing up that was included in bankruptcy. included in bankruptcy. Accordingly, pursuant to the Fair Credit Reporting Act, please investigate and correct this inaccurate information. i demand this is deleted from my report immediately for violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under XXXX XXXX XXXX XXXX that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : CAPITAL ONE Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I found my credit report to contain inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX credit reporting agencies to verify these items ( A ). Disclosure as information without confirmation within the statutory period is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
Original Creditor : 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: Debt collection

FIRST FEDERAL CREDIT CONTROL Date opened XX/XX/2022 Balance {$1600.00} Status Collection account. {$1600.00} past due at this time i had medical insurance but somehow i got trap in them not processing this with my insurance which was XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX  I explained this to collections company and was threatened to be put in court or sued if not paid..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inquiries that are on my report. I have asked for proof because I didn't authorize all those accounts. I am not nor have been trying to get a car. I have a car, so I don't need to look for a loan. There are also inquiries that are not car related that DO NOT belong to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX TransUnion 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

I am writing to bring to your attention a fraudulent and/or inaccurate medical collection that has been reported on my credit score. I do not recognize this alleged debt and have not received any validation from the credit bureau as to who the original creditor is, the original account number, the amount of the debt, the date the debt was incurred, and why the original creditor or collector never pursued the collection directly to me according to the Fair Credit Reporting Act. 

I have taken all necessary steps to dispute this collection with the credit bureaus and have requested that they provide me with validation of the debt. However, to date, I have not received any validation from them at all. 

As a consumer, I have the right to accurate and truthful information on my credit report, and the inclusion of this fraudulent and/or inaccurate collection is causing significant damage to my credit score and my ability to access credit. The continued listing of this medical collection despite previous investigation suggests that Their procedures have not been adequate in this case.
Product: Debt collection

XXXX XXXX called me XXXX times between XX/XX/year> & XX/XX/year> which violates the XXXX prohibition on repeated or continuous telephone calls or telephone conversations.Subject to certain exceptions, a debt collector is presumed to violate this prohibition if the debt collector places telephone calls to a person in connection with the collection of a particular debt more than XXXX times within a XXXX-day period or places a telephone call within XXXX days after engaging in a telephone conversation with the person about the particular debt.
Product: Debt collection

When we tried to get preapproved to buy a home, our mortgage lender told us that there was a collections note on my credit report for {$4800.00} from XXXX XXXX XXXX. In contacting the collections agency, they said that someone in XXXX  opened an account in my name and charged this amount for phones and did not pay. I have filed a local police report but do not have it back yet. The collections agency is supposed to send me a packet to submit to XXXX XXXX XXXX, but I have not yet received it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX2025 Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Information To Whom It May Concern, I am writing to dispute the accuracy of information on my credit report. Pursuant to 15 U.S. Code 1681o, I am entitled to request an investigation into the following accounts : Account with XXXX XXXX XXXX Account Number : XXXX Explanation of Issue : I was unaware that my information was being shared with this collection company. I was neither informed nor given any prior notice about this. 

Account with XXXX XXXX XXXXXX/XX/XXXX Account Number : XXXX Explanation of Issue : I was unaware that my information was being shared with this collection company. I was neither informed nor given any prior notice about this. 

I request that these accounts be investigated for accuracy as soon as possible. Please provide me with details of your investigation and any corrections made to my credit report. 

Enclosed are copies of relevant documents supporting my dispute, including [ list any supporting documents you are including, such as payment records or correspondence ]. 

Please investigate this matter under the provisions of the Fair Credit Reporting Act ( FCRA ) and inform me of the results within the legally required timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debtor that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate. I demand that you provide me with the concrete evidence and all documentation proving that I am or have been late. Please be aware that all negative remarks found on my credit report is violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company did not validate the debt properly by the laws of the FCRA and needs to be dimissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 alleged fraud or extortion. 




XXXX XXXX Balance : {$660.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$830.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$1100.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I placed an order with XXXX XXXX on XXXX/XXXX/XX/XX/2015 for {$180.00} and they sent the wrong item. I wrong item. I returned the item for the correct item. 
They never contacted me, so I called them and theythey said they did n't know what to do. So they said they would send thereplacement right out. I waited and nothing. I called again and they said theythe item was on back order. I told them I no longer wanted the item, because it was now XXXX XXXX. They agreed to give me a refund andemailed this in writing. I had done a chargeback on my credit cardbefore I received this email, and advised the vendor this is what I haddone. I responded to the credit card companies letter and sent a copyof the email to them. They then recharged my credit card. I now ampaying {$180.00} for merchandise I never received with a writtenagreement, as proof from the vendor. I want a full refund. 
I placed my order on XXXX/XXXX/XXXX and it is now XXXX/XXXXXX/XX/2015 and I would like thisresolved. I do not believe I should have to pay for something I neverreceived.
Product: Debt collection

under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i may presume that no proof of the alleged debt. Nor therefore any such debt, in fact exsits.
Product: Prepaid card

I have the children 's social security and my XXXX pension deposit on Direct Express Debit card. This has happen in the past as well and YOU did NOTHING to hold these criminal at Direct Express accountable. In the recent incident two vendors XXXX XXXX for {$85.00} plus {$89.00} and XXXX. XXXX XXXX {$84.00} both of New York. Have without authorization taken out money from my account. BOTH were told they NEVER EVER had any authority to withdraw and money from my account. XXXX XXXX has NOW done so twice. EVEN after both them and Direct Express to stop. 

Direct Express said it would NOT stop those transaction and refused to take any action that stop that vendor or others in gain access to any money in my account. In the past they said as company they felt need to redirect any social security funds back out to other businesses. In the last 3 or 4 incidents and in my dealing with Direct Express that have STOP making such remarks. BUT are clearly doing every thing they can to encourage that type of theft. 

I have accounts with other banks as well as credit cards. I have never met a credit card business that was refused to help it clients and to openly encourage that type of theft. There was about a 5 day period where it says the transaction is pending and should be reverse able. Direct Express refused to take any action till after the funds have completed it transaction and can ONLY be returned by the free will of the merchant. This is beyond insane. 

It is 2016 there are many legal and ethical businesses working online. So of the best deals are online. Direct Express will not allow me to pay for my mobile phone with XXXX that offers the cheapest service. There are other vendors it will not allow me to use. I had contacted them and Direct Express said those vendors had ties to terrorist group. I had contacted many afterwards ALL had denied any connection to terrorists. Direct Express had noticed and pointed out I had a single Pay-Pal transaction. They claimed with Pay-pal they could do an instant refund. 

Prior to tis nightmares other then XXXX customer service I would said I like Direct Express as means of handling Social Security and my XXXX pension. It seem to work like a BANK in handling direct deposit, did not charge a fee for doing nothing at all. And it was suppose to not allow any bounce check fee. Direct Express is clearly idelaogy opposed to hand federal funds to children collecting social security and federal pension funds. Pleas take the most aggressive action possible against Direct Express. 

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

I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my Credit Reports : XXXX  XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX, XXXX.-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX $ XXXX-Date Opened : XX/XX/XXXX
Product: Credit card or prepaid card

I found a Charge offs on my Credit report form JPMCB. I disputed it with the CRA it came back verified. I than sent a letter to JPMCB about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your JPMCB does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.