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

I have file d two di sputes to update the following information one on  X/X/  17 an d one on   XXXX   17 - not hing has been done. Please see below as this is the information that was sent to the bureaus.  <P/> The following account needs to be UPDATED AND CORRECTED : Creditor Name :   XXXX   Account Number :  XXXX  The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected.    XXXX  bureaus are reporting a n Open sta tus, while while the other is reporting as derogatory, this is inaccurate this mortgage is  OPEN and needs to be reflected as such. My monthly mortgage payment is incorrect on all  XXXX  reports and should reflect a monthly payment amount of {$1900.00}.  XXXX  bureau is re porting no term which should reflect 360 months. The payment status is incorrect on   XXXX   and should show a payment status of current. The dates being reported as last active are all inconsistent.   This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, a consumer reviewed my credit profile on XX/XX/23 and Identified a discrepancy with account listed under CREDIT COLLECTION SERVIC and validation was requested as this was an account I did not recognize. I reviewed my report again on XX/XX/23 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Pursuant to 15 USC 1682g. I requested that they provided me with verification of this alleged debt, no documentation was provided. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act they are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, and XXXX. 


According to the 15 USC 1681 law, there should not be any damages on my report as this defamation to my character. Please remove all fraudulent accounts immediately.

I hereby inform that this company does not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to them having my personal and private information. This constitues aggravated identity theft. I also did not provide consent for them reporting information in my name to the consumer reporting agencies.
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 719XXXX 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 XXXX 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

XXXX XXXX  credit card for {$2000.00} is from over 10 years old. Also a XXXX XXXX card for {$400.00} is more than 10 years old. I have said they are byond the statue of limitations and collection is to be ceased. They continue to call and harass me. They try to get me to login to see what the debt is for without communicating it to me.
Product: Debt collection

I already did a recent dispute on the non-payment of a fraudulent charge placed on my report. The FCRA commented upon the completion of the dispute in which the charges are still in effect on the account. The original creditor, XXXX XXXX, claims I owe {$300.00} placed by the XXXX XXXX XXXX for a trash fee that was accurate info due to the fact there was no trash left in the apartment and the was not the stated charge reason. The original charge stated by the creditor was said to be a {$150.00} for a absent written notice of ending the lease where the original creditor threatened to place that amount on my credit report. I've sent supporting documents to XXXX   already showing the fraudulent charge and would like further investigation on the charge filed on XX/XX/2017 from the XXXX XXXX XXXX account that was intentionally placed there to damage my credit as said so. A good result would be if I could please just get this removed off my report Thank you for your time.
Product: Debt collection

On XX/XX/year>, I requested verification from SAC Finance on a collection/charge-off through a letter. I also have provided my current information in this same letter date to the credit bureaus. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receiving this letter. They did not respond to my request for validation. Instead, on XX/XX/year>, they filed a lawsuit against my behalf ( up to {$15000.00} ), when the debt that I am asking for verification is less than {$15000.00}. They filed a lawsuit against my behalf in a jurisdiction where I no longer reside. I have not lived in that jurisdiction for almost a year and have provided current address/information to credit bureaus on XX/XX/year>. Not only that, their business is not a registered business in the XXXXXXXX XXXX XXXX. Doing this, is a violation of the Federal Trade Commission XXXX as it is an unfair, deceptive, and abusive practice of a debt collector/ creditor. Not only that, instead of my taking my response as serious, XXXX and XXXX just gave me a generic letter refusing to investigate my concerns on my credit report. XXXX provided me with this frivolous letter on XX/XX/year>. XXXX provided me with their frivolous letter on XX/XX/year>. XXXX has not responded at this current date.
Product: Credit reporting or other personal consumer reports

My XXXX  has been on my credit well pass the time of FCA laws and needs to be removed due to my constant on time payment and no delinquencies on my credit for the last several years.
Product: Vehicle loan or lease

Purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX. My monthly car note was {$400.00}. The car was repossessed by XX/XX/XXXX, and re-sold by XXXX. This account popped up on my credit report ( categorized wrong, incorrect balance ) around XXXX. Ive disputed this account for three years, minimum. The original lender, XXXX, closed the account ; never took me to court. Neither has the debt collector, NCB. Now the debt buyer, NCB, claims I owe nearly {$5000.00} ( which equals about 10 months of nonpayment ). That is wrong! I do NOT owe either company nearly {$5000.00}. 

This account keeps popping up on my credit report. It was removed once, after XXXX closed the account. Then it popped up with false charges owed to NCB. My report now says this account will stay on record until the end of this year ( XXXX XXXX ). Will it pop back up on my report ( to reset the time on my record ) when another random debt buyer simply SAYS or WRITES I owe them money with NO PROOF of no-payment for 10 months ( nearly {$5000.00} )?! 

This account is killing my credit score! The credit bureaus didnt classify it correctly ( as repossession ) from the beginning. I cant buy a house. Ive been trying for years.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I cancelled an auto payment with XXXX. I resigned up for the same service for {$100.00} a year. On XX/XX/XXXX I received a notice from my bank my account was overdrawn because both {$100.00} and {$120.00} were charged to my account by XXXX. I didn't have money in there for both charges because both charges where not supposed to go through. I contacted my bank and XXXX. XXXX said they saw both charges and said the {$120.00} should not have been charged to my account. They again cancelled the subscription for {$120.00} but left the correct one for {$100.00}. They then immediately refunded the {$120.00} on XX/XX/XXXX to Paypal. 

Paypal continued several times to collect the {$120.00}, so I called them, wrote to them, and emailed them. They told me I didn't cancel correctly because I had to cancel with XXXX AND paypal. I should only have to cancel with the company processing the charges, not with Paypal! Then Paypal said the refund was on hold because the charge didn't go through - a charge that should never have been presented in the first place. So. I put money in my bank account so that the charge would go through and Paypal could process the refund. The charge cleared my account and Paypal has had the money since XX/XX/XXXX, which was confirmed by my bank. It was in Paypals bank account on XX/XX/XXXX. 

On XX/XX/XXXX Paypal claimed the money would not clear my account until XX/XX/XXXX and I would get the refund after that. This is absolutely NOT TRUE! Paypal had the money XX/XX/XXXX. Not only did they have the money by this date, they also had the money from XXXX on XX/XX/XXXX. Yet they still refuse to give me my refund for a charge that should never have been processed in the first place! 

If Paypal puts charges through that are not authorized by the vendor, they should be held accountable. And if Paypal holds all refunds for days after they receive them, they are earning interest on money that is not theirs. They charge my account to overdraw with an unauthorized charge, and now they are keeping my refund money - for several days!!!!!. Their practices are shady at best and possibly criminal.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. XXXX XXXX XXXX as this item was showing late payments on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Debt collection

On Tuesday XX/XX/year> at XXXX, " Central Portfolio Control Inc. '' sent a text message to a relative. They addressed it to me with my name and account identification number, while explicitly confirming that they were a bill collector. This disclosure of my debt information is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits sharing such details with third parties.
Product: Mortgage

In XXXX, I applied for and completed a loan modification through Bank of America Home loans servicing. I have made numerous calls to have my questions answered about where the non-interest bearing principal balance of {$24000.00} came from but have not received any answers and have been given " the run around '' all I want is a clear breakdown of charges.
Product: Credit reporting or other personal consumer reports

This account that I have with this bank was a pay to delete account that i requested and also upheld my end of the arrangement by paying off in full over XXXX years ago in counting. Not only did the bank update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with TransUnion, XXXX and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice.
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.

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.

I demand the following accounts be verified or removed immediately. 


Collections XXXX XXXX Opened XXXX {$610.00} XXXX XXXX XXXX Opened XXXX {$790.00} XXXX XXXX XXXX XXXX Opened XXXX {$7200.00}
Product: Debt collection

THIS MORNING I WOKE UP AND CHECKED MY CREDIT REPORT AND THE ACCOUNT IM REPORTING TO BE DELETED AND BLOCKED IS AFFECTING MY FINANCIAL CREDIBILITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this COMPLAINT with CFPB as well as copies of the 10 written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite 10 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 


XXXX XXXXXXXX XXXX XXXXXXXX A copy of my credit report is attached. ( Review highlighted sections on report )
Product: Payday loan, title loan, or personal loan

O n   XXXX   XXXX  ,20  17 I was informed  by S un Loan  company that the   XXXX    checks that I have written for  XXXX  was returned by   XXXX   XXXX    unpaid. I was informed that if I did n't pay them back for the checks and the  XXXX  fee for both of them. They will send them to the states attorney. I told them that I 'm having a hardship right now due to my health of a  XXXX  I have had. And they rudely told they did n't care. Those   XXXX   checks are from a complaint I file with   XXXX   XXXX    refusing to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Some COLLECTION XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX is saying I owe {$7400.00} I never heard of them never spoke to them never had a contract with them never got any letters from them please ask this organization how did they get my information and who authorize them to use my information with out my knowledge I have no knowledge of a debt never consent to debt their information is inaccurate and ask them how much did they pay for my information and who ever gave them must have stole it this is swindling according to 18 U.S. Code 1341 - Frauds and swindles and can lead up to fines of {>= $1,000,000} or imprisonment up to 30 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the listed accounts below : Account name : XXXX # XXXX Account name : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for {$740.00} I would like Tran Union to conduct a fair legal investigation and once the investigation is complete remove the account..Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my initial complaint against XXXX and Equifax, who are violating the Federal Credit Reporting Act, which states that creditors can not furnish information about consumers to consumer reporting agencies following mergers, portfolio acquisitions or sales, or other acquisitions or transfers of accounts or other obligations in a manner that prevents re-aging of information, duplicative reporting, or other problems that may similarly affect the accuracy or integrity of the information furnished. For the past 5 months, I have disputed a debt that is being reported on my credit report twice. XXXX XXXX, acct number XXXX is reported an alleged debt owed to them in the amount of {$520.00}, and a debt collector, XXXX XXXX, acct number, XXXX is reporting debt owed to them in the amount of {$520.00} that was originally owed to XXXX XXXX XXXX I am emotionally stretched thin and exhausted from writing to XXXX and Equifax about the reporting of these 2 accounts. 

I contacted both companies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached certified receipts ) and I have yet to receive a written response back from either company nor have I viewed any recent changes to my credit reports that I reviewed using their companies website. I'm requesting the immediate removal of both accounts, XXXX XXXX & XXXX XXXX due to willful negligence and improper investigation. Several consumer laws have been broken and these 2 companies are utilizing the pandemic as an excuse to NOT DO THEIR JOBS. 

If XXXX and Equifax are conducting an investigation why are there so many inconsistencies from the same company. On the XXXX report, XXXX XXXX is showing an account status of open, yet Equifax is reporting an account status of closed. Is the account open or closed? Why is XXXX reporting 2 different account statuses? I reached out to XXXX & XXXX XXXX and I have yet to receive an response.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, resulting in unauthorized accounts ( XXXX Bank, XXXX XXXX ), inquiries ( XXXX Bank XXXX XXXX XXXX and fraudulent addresses being added to my TransUnion credit report. Despite submitting multiple disputes, including an FTC Identity Theft Report, TransUnion continues to report these items as " verified '' without providing evidence of their investigation process.

These actions violate 15 USC 1681c-2 ( failure to delete identity theft accounts ), 15 USC 1681b ( unauthorized inquiries without permissible purpose ), and 15 USC 1681e ( b ) ( failure to ensure maximum accuracy ). TransUnion also failed to conduct reasonable investigations as required by 15 USC 1681i. This repeated mishandling of disputes has caused harm to my creditworthiness, financial stability, and mental well-being. 

I request TransUnion immediately delete all unauthorized accounts, inquiries, and addresses from my credit file and provide written confirmation of the deletions, as required by FCRA.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.