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

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$54.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$310.00} XXXX
Product: Debt collection

I cancelled my service and they kept billing me and would not stop. After I had a zero balance. They continued to send false invoices. The last invoice I got was for {$150.00}. Now they are falsifying documents saying I owed {$1100.00}. XXXX XXXX XXXX falsified the amount owed and Southwest Recovery ( collection agency ) would not provide me proof of any contract signed by me to this bogus debt. PLEASE HELP. This is a copy of the email from XXXX XXXX XXXX when they continued to charge me inaccurately. 

Please contact the Collections department regarding your past due invoice. 
Inbox Collections Department XXXX XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX, XXXX, XXXX XXXX  to me View this email in your browser XXXX : XXXX XXXX delivered C # # # # # # # # # # d, This is a friendly reminder that your account with XXXX XXXX XXXX, is past due. XXXX XXXX XXXX provides credit card processing for your business through your relationship with XXXX XXXX XXXX, XXXX. According to our records, your invoice balance of {$150.00} remains unpaid. Additional fees and costs may be due, based on your merchant account activity Please contact the Collections Department at ( XXXX ) XXXX if you believe there is an error in the amount due or if you would like to discuss payment arrangements. Collection representatives are available Monday through Friday, from XXXX XXXX to XXXX XXXX ( XXXX ) to assist you with resolving this matter. 

Payments should be sent to : XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, MI XXXX If your payment has already been mailed, please disregard this notice. 


Thank You, XXXX XXXX XXXX Collections Department XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX U S DEPT OF EDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX They gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S.C. 1611, XXXX, XXXX, and Equifax have a legal obligation to comply with federal law. Additionally, under 15 U.S.C. 1640, they may be held liable for twice the amount of any finance charge. Furthermore, per 15 U.S.C. 1692k, they are responsible for violations of the FDCPA. Reporting an alleged debt on a consumer report constitutes a violation of 15 U.S.C. 1692b ( 2 ) and is considered a form of illegal solicitation. As such, these transactions infringe upon my rights as a federally protected consumer under Title 15, Chapter 41 and must be removed immediately. 

Despite multiple written requests, the unverified accounts remain on my report in direct violation of federal law. Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain original documentation from the original creditor to substantiate the accuracy of the reported information. However, your investigation stated that these accounts were " verified '' as accurate without providing any supporting documentation. Since you have not furnished a copy of any original contract with my signature, nor provided the required verification details, you remain in noncompliance with federal law.
Product: Credit card

I reported XXXX XXXX for XXXX but wanted to change the charge or the full XXXX XXXX. I have attempted to contact Citi but I can never and I mean never get ahold of them. They even went as far as to block me from writing to them on account portal. I want justice and to provide any docs that are needed for my behalf. I do not understand why I can get ahold of any of my other banks but it is a nightmare to get a hold of them. I was even on the phone for another hour on hold to get to the dispute team. Customer service always says to just wait or call again. This does not solve anything and I am a client and demand to talk to someone who can help. Citi is build very XXXX. They do not answer their emails, they do not call me back on my requests for call back. How do they expect me to get them the information they require when they do not respond to me?
Product: Vehicle loan or lease

This is my second issue with XXXX XXXXXXXX XXXX. XXXX is stating my balance is {$760.00} which includes a payment of {$290.00} which I made today and is leaving a balance of {$470.00} which includes the balance of my next payment of {$290.00} due on XX/XX/XXXX but it does not explain the balance of {$170.00} and there is no current statement explaining this charge. I am disputing the billing error in the amount of {$170.00} on my account. The amount is inaccurate because there is no statement indicating how this charge was calculated. My contract states that my car payment is {$290.00} every month due on the XXXX with a 10-day grace period. After the grace period I can be imposed a late charge to 5 % of the unpaid installment amount of {$23.00}, whichever is greater, after 10 days. I had previous late fees of {$23.00} or less that were credited back to my account along with a letter stating they have been removed from the account. I have not had a late payment since. 

I am requesting that the error be corrected & explained, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement and an itemized statement of the charges. 

Enclosed are my copies of all my monthly payments ( including the most current payment ), the contract, the most current statement on account which is dated XX/XX/XXXX supporting my position. Please investigate this matter and correct the billing error as soon as possible. 

I dont know if this is in regard to the pending lawsuit against flagship and now they are doing erroneous billing to scare customers. I hope this is not the case because if it is then this company needs to be investigated IMMEDIATELY. 

I did sign up to receive electronic statement and I have received one electronic statement. My last paper statement was back in XXXX of XXXX. I checked my communications tab and my email XXXX is listed on there so I dont understand why I have been receiving electronic statements. 

I will NOT ACCEPT ANY PHONE CALLS FROM FLAGSHIP. You may contact me @ my email address at XXXX Thank you, XXXX XXXX XXXX
Product: Debt collection

Prince Parker a collection agency for XXXX XXXX XXXX XXXX and XXXX XXXX have repeatedly called me regarding collection of medical debt which should never have occurred. The debt is on my wife XXXX XXXX and I am XXXX. The medical costs were for my XXXX XXXX XXXX XXXXXXXX submitted us twice for debt collection on this same issue but in different amounts ( XXXXXXXX XXXX XXXX XXXX ). I have cleared this issue twice with XXXX billing department last on XX/XX/XXXX and was told by XXXX XXXX and Prince Parker that a letter would be provided showing the billing mistakes were their errors and the issue had been cleared up. Received another call from Prince Parker on XX/XX/XXXX which prompted this complaint. I paid my insurance deductible of around XXXX XXXX in XX/XX/XXXX and XXXX messed up the billing and collection from insurance company. I am also filing a complaint with the NC medical board on XXXX XXXX. FYI XXXX sent this to collections twice the second time was for XXXX. I actually received a refund from XXXX as I owed no money.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S.

Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX. 
XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting.
Product: Debt collection

I have paid agreed the credit collection agency has not lived up to the promised by  XXXX   XXXX  of removing it from my credit report they said they would notify the credit bureaus  XXXX    XXXX   and  XXXX  to have it removed from my credit report they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

My personal information were incorrect and I want these to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of an improper reinsertion. Federal law prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report unless the bureau receives a certification that the information is correct and then provides notice to the consumer that the information will be reinserted. After disputing the account, as of XX/XX/2019 Equifax showed no record of this account on my credit report and as of XX/XX/2019 the account was removed from my Transunion credit report. Recently, I realized that the account has been re-inserted into my credit report. I never received any notice regarding the reinsertion of this account. 
Previously, I have requested to see a complete list of all documents and correspondence in their possession that are associated with the account. This has been to no avail. There has not been any documentation sent to me. 
Therefore, I am requesting, in accordance with FCRA, that they delete this information from my credit report.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting

I have disputed the XXXX XXXX XXXX account as well as the 10 year old XXXX account. I have attached an statement provided by XXXX XXXX XXXX to fill out because of the fraud on my account, I also made state with the internet crimes department. So this should not be on report. 
The XXXX account should have been deleted due to age. Also I have provided payoff letter provided by XXXX. Not sure how they state last payment made in XXXX, when it cleary states account was paid off in XXXX. They also sent me a document to see if I would pay XXXX % of the bill to clear matter. So clearly they have some type of issues knowing what to do quoth account. i have also filed complaint with the XXXX about this.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the accuracy of the account information being reported by Discover Bank ( Account Number : XXXXXXXX  ) on my credit reports with your credit bureau. I have carefully reviewed my credit reports from XXXX, XXXX, and XXXX, and I have identified significant discrepancies in the reporting of this account. The discrepancies in reporting dates between the three credit bureaus have raised concerns about the accuracy of this information. 

Here are the details of the discrepancies : XXXX : Reporting Date : XX/XX/2023 XXXX : Reporting Date : XX/XX/2023 XXXX : Reporting Date : XX/XX/2023 These inconsistencies in reporting dates for the same account with Discover Bank are a cause for concern. The discrepancies could mislead creditors and lenders who review my credit report, potentially affecting my ability to obtain credit and loans. 
I kindly request that you investigate this matter promptly and make the necessary corrections to ensure that the account information is accurate and consistent across all three credit bureaus. Please verify the accuracy of the account 's reporting date, and if it is found to be incorrect, update the information accordingly. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I expect this dispute to be resolved in a timely manner, as required by law. Additionally, I request that you provide me with written confirmation of the actions taken to correct this discrepancy once the investigation is completed. 


I appreciate your prompt attention to this matter and your assistance in resolving this dispute. Please send me a written response within 30 days of receiving this letter to inform me of the results of your investigation. 

Thank you for your cooperation and for helping me maintain the accuracy of my credit reports. I can be reached at XXXX or XXXX if you require any additional information or have further questions regarding this dispute. 

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

I simply can't access TransUnion or XXXX. I was able to get one from XXXX last year but not now. I don't know if a previous address wasn't reported to them but I get knocked out of the online and phone applications when I answer to the best of my ability. Actually I was told today by a bank lender she couldn't verify with TransUnion so she called me and said my maiden name was listed instead of my married name. ( I have a XXXX card with official married name since XX/XX/2015!!!! ) So why waste my time mailing an application when who knows if my information will match theirs. This is impossible! Except for the lenders who buy from them I see. They can get the information right away. I am a XXXX XXXX XXXXXXXX veteran with XXXX trying to get a VA Mortgage and they ask me arcane questions I don't remember ( some phone number from years ago, etc. ). This is making me feel hopeless. Just get me the reports, please!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an item that was falsely added by this creditor. On my credit file, they claimed I owed {$360.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, not a word from this company, they failed to provide me any viable evidence or documentation bearing my signature that I have a contract with them. See attachments of proof of my one-sided interaction with this company. I sent them a 2nd letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, still no response. This inaccurate information is still reflecting on my XXXX and XXXX credit report. Haven't gotten a phone call or a letter of any kind from this company acknowledging that they've received my complaint letters. This is illegal and unethical on their part. They're in violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) and the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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
Product: Credit reporting or other personal consumer reports

I'm trying to buy a house and noticed that there are damages on my report. According to the 15 U.S.C 1681 law there should not be any damages on my report which is a defamation to my character
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports