23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Transworld Systems IncXXXX states I owe {$1700.00} which I have paid to XXXX XXXX and is trying to collect on a paid debt by issuing a collection account on my credit report which is against the law. No proof that I owe any such debt and ask that they be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that there was a company Midland Credit Management on my credit report stating that I owed {$960.00}, I submitted a dispute with XXXX on XX/XX/2020, it came back verified and updated. So I sent a letter to the creditor on on XX/XX/2020 asking them to send me documentation bearing my signature. I never received anything from them, so on XXXX XXXX I sent a second letter requesting again, documentation bearing my signature. On XX/XX/2020 I sent a certified letter to XXXX  advising them that the Creditor Midland Credit Management failed to verify the debt and ask for the negative reporting be removed. Few days later I received a letter from Midland stating " they have opened a investigation regarding my dispute '' and it will take up to 120 days and they will report to all three agencies to delete the trade line. Well today is XX/XX/2020 and nothing has been removed. XXXX acknowledge that they received my letter that I sent on XX/XX/2020 and they have until XX/XX/2020. Midland Funding allegedly purchase this allege debt from XXXX XXXX without any proof that this debt is mine and is reporting on my credit report and I want to know how XXXX verify this with them, if there is no documentation verifying that this debt is mine. I will send the letter that Midland Credit Management sent to me stating they will have the trade line deleted to XXXX and I hope XXXX delete it right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2020 I started a process to refinance my home. I attempted to unfreeze the credit reports for my wife and me. The Equifax website was not functioning and referred me to a phone number. The automated system had me respond to questions that would identify me. At that point the system said they would text me an access code. On three different attempts the text did not arrive for 3 days. Of course, by that time the codes were invalid. 
Finally I reached a live person who told me to fax my request with copies of Driver 's License, Passport and Social Security Card. After a week of no response, I again faxed my request and documents as well as sent them via USPS. After several weeks I finally received notice via USPS that the accounts were unfrozen.

As a result the original mortgage rate offer was withdrawn and closing delayed for over a month. I'm now awaiting a new rate quote hoping that it will be as favorable as the original.
Product: Credit card or prepaid card

I recently opened an Apple Card Account issued by Goldman Sachs Bank USA. On XX/XX/20, I disputed a transaction based on the terms of my Cardmember agreement. On XX/XX/20 I was issued a " provisional adjustment '' in the amount of the disputed charge. I was advised that the funds would be reflected in my available balance immediately and on a provisional basis pending the outcome of the investigation. On XX/XX/20, I called Apple Card back to inquire as to the status of the provisional credit as it was not reflected in the available balance, I was told I would need to wait 90 days until the close of the investigation for those funds to be available. 

The terms of the cardmember agreement do not differentiate between what is defined as a " provisional credit '' and a " provisional adjustment '' and/or the availability of such funds. representatives on three occasions advised I would have immediate access to the funds while they investigating my claim. However, upon " review '' each representative later changed their story after determining they were not able to rectify the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number. 

XXXX fraudulently reported accounts and 2 inquiries on my credit report. 
* Creditor : XXXX XXXX XXXXXXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX XXXX fraudulently reported accounts and XXXX inquiries on my credit report. 
* Creditor : XXXXXXXX XXXX on XX/XX/XXXX * Creditor : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX Equifax fraudulently reported accounts and XXXX inquiries on my credit report. 
* Creditor : XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX
Product: Debt collection

In XXXX of XXXX I noticed a debt collection listed on my XXXX credit file with Syndicated office Systems aka Central Financial Control that was fraudulent in the amount of XXXX. I immediately contacted them to dispute the item. I have been disputing this debt with Syndicated/Central Financial to no avail. I had previously provided an affidavit and police report of identity theft requesting the debt be removed due to fraud. I spoke to an representative numerous times for almost two years and nothing has happened. I continued to send the affidavit and the police report for now almost two years. I call and now they tell me that they will only respond to me via me making a fax request as it has been reported as fraud. I do n't know what else to do when I have provided the identity theft police report and affidavit of identity theft as to this XXXX debt. It has affected my ability to obtain credit for almost two years now and has caused me irreparable harm.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the CFPB, I am notifying you that I have contacted XXXX, Equifax, and XXXX regarding my identity theft stemming from the XXXX XXXX breach. I have also filed a report with the FTC Identity Theft ( Report ID : XXXX ) and am attaching it here for your reference. 

Despite my attempts to resolve this matter directly with the credit bureaus, I am requesting your assistance to ensure that my concerns are properly addressed. I am seeking the removal of fraudulent accounts, inquiries, and any discrepancies on my credit reports caused by this breach. 

Thank you for your attention to this matter, and I look forward to your guidance in resolving these issues. Please feel free to contact me for any additional information or documentation needed. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Experian Delete my opensky credit card account from my credit profile and said that it was fraud and referred to XXXX and XXXX that it was fraud. Also they blocked and deleted my free membership. I can not see my profile and have no idea of whats going on with my account which I believe is against FCRA " The FCRA gives consumers certain rights with which you must comply '' I don't have access to my credit. Last I check there were several auto loans on my credit that Experian has refused to delete. I need all these deleted. Because they are fraud I didn't apply for these. 

Just like this chase card is not mine. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX is not mine All XXXX XXXX XXXX accounts are not mine XXXX XXXX XXXXXXXX XXXX is not mine none of these are not mine.
Product: Debt collection

XXXX XXXX XXXX XXXX put debt in the amount of {$790.00} on my credit report that I do n't owe. I explained to them that I had insurance during the time in question. While I was attempting to dispute the debt, they just put it on my XXXX credit reports without completing the dispute process and reaching a resolution prior to just reporting the alleged debt to credit bureaus. I do n't owe the debt in question. It 's three years later and they are just now addressing the issue. They should 've been made me aware of a debt not paid by insurance. Instead of waiting too late for the alleged debt to be resubmitted. I do n't owe the debt as i had health insurance during the time in question.
Product: Credit card

Keeping payments on this account consistently timely has been a priority for me, ensuring they are never overdue. I'm unclear about the basis for the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections are necessary.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the 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, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX XXXX - XXXX ( GA, who apparently is a subsidiary of or owned by Kinsmith Finance... 

XXXX XXXX calls me and texts me with harassing or threatening calls XXXX to XXXX  times a day. They also took the people/phone numbers i listed as references and call those people ( my XXXX, XXXX friends, and my boss ) XXXX to XXXX  times every day. 
All of us have told XXXX XXXX and XXXX at XXXX XXXX ( XXXX # XXXX ) to stop calling and stop threatening and harassing us via phone or other electronic means and they refuse to stop. They call me and my listed 'references ' every day from both the company phone and use their personal cell phones as well to disguse who is calling. 
This company and its employees have laughed at my request for them to stop calling and told me they will not stop. I have screen shots of all the recent calls and texts that I can hopefully attach to this. 
I have made my payments I owed and altho my currecnt payment is late, I have told them the date I will be there to make the payment, and requested they stop calling, and they laugh at me via text/phone and threaten to, and DO, continue calling every day. 
XXXX XXXX has now gotten me in trouble at work because they asked for my bosses number on the loan application. But they use his number to call my boss and harass HIM about my loan. It's scary and disrepectful and sad that these people would go so far as to possibly get me fired from my job over a {$400.00} loan. Of which Ive already paid back {$400.00} and now owe 100 % of that again in interest because these people are loan shark criminals. 
Attached is a couple screenshots of both their company number and an employees personal cell number being used to call me and my wife over just the last week or so. Dozens of calls. Also attached is some threatening texts they've sent me. 
The texts are ALL from XXXX and XXXX XXXX XXXX XXXX XXXX and employee ) because their is no legal method through their business for them to text me. So they illegally harass me via their personal phones. That's why the numbers are different from the business. But rest assured it is obviously them harassing me. They texted a picture of the loan papers so I can use that as proof.
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 XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX  : # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

XXXX XXXX XXXX XXXX Included in Bankruptcy {$0.00} U.S. Bankruptcy Court XXXX Bankruptcy {$0.00} XXXXXXXX XXXX | XX/XX/2023 Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have a private student loan with Navient and got a little behind after a phenomenal payment record since XXXX. I am getting phone calls three times per day for a {$26.00} past due balance. Honestly, after a great payment history I cant believe the criminals would bother you for such a measly amount which will be paid this month. Navient is an unscrupulous company and should be investigated by Congress for harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : DEPT OF EDXXXX XXXX Balance : {$3300.00} ; DEPT OF XXXX XXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

I am writing regarding the fraudulent accounts and transactions that have appeared on my credit reports without my knowledge or consent. This unlawful identity theft has caused me severe distress, financial harm, and reputational damage. I have already reported this crime, and urgent action is needed to resolve it. 
I demand you immediately remove all fraudulent information from my credit reports and conduct a full investigation into how this identity theft occurred. The continued presence of this inaccurate data is severely impacting my financial wellbeing and creditworthiness. Your complete cooperation is required to correct my credit reports and examine this unlawful activity. 
I will provide any documentation necessary for your investigation. However, if your company fails to promptly rectify this unlawful situation, I will pursue all available legal remedies. This includes filing suit to uphold my rights and recover damages from the harm your mishandling of my personal information has enabled. 
I expect your urgent prioritization of this matter. My consumer rights have been violated, and I will not tolerate any further delay in correcting this injurious identity theft issue. Confirm the immediate steps you will take to fully resolve this.
Product: Debt collection

I do n't know who this person is. He calls shouting my name as loud as possible. Demands to know where I am. Wants to know when I will be home. Calls family members over and over again as many as XXXX times in a day. Called my daughter in XXXX XXXX, Called my Son in law, called another daughter in Arizona and stated he has a case number. Calls me all day long but will not identify himself. Left this number with daughter in AZ.XXXX case # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX bought an old dabt then filed suit. 

XXXX lost the suite and was ordered to remove this collection and have not done anything. 

I filed a online dispute on XX/XX/year> and I was told it would be fixed or removed and it is still just sitting on my report. 

I demand that it be removed immediately.
Product: Debt collection

I keep receiving calls from first credit in NJ say I owe XXXX dollars they are collecting from XXXX XXXX. XXXX is bankrupt and I have no way to get a hold of them. I should never owe them a dime and my insurance company say they never billed them on the date that first credit is reporting I used their service. What do I do? Am I being scammed? This is not right. They basically said too bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT ARE DISCHARGED BANKRUPTCIES THAT ARE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THIS ACCOUNT IS HURTING MY CREDIT TREMENDOUSLY AND I AM REQUESTING IMMEDIATE REMOVAL FROM THE THREE REPORTING CREDIT BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a double inquiry on my credit report under the same company, Advantage Credit Inc. I authorized a one-time inquiry, and my credit report shows a double inquiry with different days.
Product: Money transfer, virtual currency, or money service

On XXXX, our company, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX, received a 'new U.S. Bank ReliaCard XXXX XXXX with the name XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX '. 

We never applied for this card. While this is our address, we do not have anyone in our ownership or in our employ, with the name 'XXXX XXXX XXXX. We believe this to be a fraudulent use of our address. 

I tried on several occasions, to contact US Bank to report this fraudulent activity, but never got through to a representative. 

We have not activated this U.S. Bank ReliaCard, Visa debit card, ending in XXXX. 
Please advise.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX