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

There is an account listed on my credit file which is not accurate  XXXX   XXXX   XXXX  saying I went late in  XXXX   2016  which is NOT accurate never had an account with this company and why this collection account states I  was 30/60/90 da ys late and also {$87.00} written off but this company is still trying to collect. This is false information and misreporting and I want this inaccurate data removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant XXXX and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Debt collection

I saw a collection show up on my credit report. It did not look familiar so I filed a dispute using credit karma through XXXX XXXX. The dispute was denied and I received a text from the Zions Debt Holding Company with the amount owed and how to pay. I informed them, based on the information and understanding it was based on an alarm company subscription, that Id successfully cancelled my alarm account and had proof. I then looked further into it and saw it was with another alarm company and realized it wasnt my debt or related to the debt I thought I had at all. I clarified this and stated that I never had a contract with that company and believe they had the wrong person. They sent a copy of the contract and I believe it to be an individual with the same first and last name and that is it. 

A quick XXXX, based on the names on the contract and the address listed, show there are in fact people in that state ( Alabama ) with those names. I am located in New Hampshire, have never been to Alabama, let alone lived there or purchased an alarm system there. Additionally, the secondary party on the account is not a name had by anybody I know.
Product: Credit reporting

My credit report from Transunion have an account ( # XXXX ) from XXXX XXXX XXXX XXXX that does n't belong to me. I need this account to be removed from my credit report, its affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to request the deletion of the late dates of the disputed item from my credit report. Despite my attempts to have the inaccurate and incomplete reporting verified by your bureau, still the inaccurate information appears on my report. Upon contacting the relevant company, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the account would be promptly updated. 
Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. Both XXXX and XXXX have already rectified the inaccuracy of this account on my report. Please update the account below : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXXXXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX  federally protected consumer rights to I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate orincomplete or can not be verified, the consumer reporting agency shall ( i promptly delete that item of information from the the of the consumer, or modity that item of intormation, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ) of any information an item of the consumer. 


Opened : XX/XX/year> XXXX XXXX
Product: Vehicle loan or lease

I provided the company a new address and sent them an email over 2 weeks ago stating that I am in an MST zone, however they still continue to contact me outside of the guidelines. I just received a call at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a reply from Experian regarding the dispute of inaccurate and unverifiable bankruptcy information contained in the public records section of my credit report. Experian says the information is verified as accurate. 

But that 's wrong ... as you 'll see by the attached report with my notes & supporting letter from the US Bankruptcy Court Clerk stating that it does not verify information. So ... Experian has been lying about verifying directly with the source ... which is exactly how they are supposed to verify any reported information. Otherwise, it 's false! And in this case ... it 's also inaccurate. 

Furthermore, Experian is not supposed to score the contested information against me during the verification process. Experian has violated the Fair Credit Reporting Act on numerous occasions. 

Experian has NEVER verified the public records information DIRECTLY with the Bankruptcy Court of XXXX XXXX XXXX. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court or XXXX XXXX XXXX. I have also attached a letter from the US Bankruptcy Clerk that states that credit agencies get their information from a 3rd party service such as XXXX or other agencies like XXXX. 
This is not reliable, and is prone to errors. 

But Experian has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to Experian. 

Lastly, Experian has also continued to show my full Social Security number directly on the credit report ... instead of masking all or the majority of my Social Security number. 

I am demanding that Experian be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the US Bankruptcy Court or XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890
Product: Credit card or prepaid card

Prosper Marketplace IncXXXX, on the first date of use ( XXXX ) was arbitrarily restricted without notice or communication. Customer Service advised via phone that card was restricted for suspected fraud but could not provide details on which specific transactions. The terms of my use can not be honored and I found the company 's business practices to be both unreliable and unethical. I made the decision on XXXX to transfer the balance and close the account. Once again I contacted customer service and was advised that the company would not support the balance transfer which I never heard and was never provided documentation for. I have never heard of a company that I could not transfer a balance from and wish to never conduct business with one of this caliber again. I was not allowed to speak with a supervisor and have yet to receive any communication regarding this card restriction.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to XXXX XXXX. I took a taxi cab from the airport to the hotel. When we reached our destination I handed the taxi driver my credit card for the ride. I was told by him that the card wasnt going thru, at the time I figured it could be because I was out of the country. So he asked for cash instead which we than gave him the euros. 
When I got back to the room I got WiFi and I realized that he had charged my card too! I was in complete shock. I called the credit card company which was Citibank and I let them know what happened they said did you get a receipt? I said no, not for cash but I said I never signed the credit card receipt. I always thought that if they dont get a signature than the charge isnt valid. Im really upset with Citibank and no longer will continue doing business with them. The whole point of using the card was because I thought they would have my back and clearly they dont. This is why I took the time to write this, so that this doesnt happend to someone else.
Product: Debt collection

The original creditor is " XXXX XXXX XXXX '' and I have contacted them via telephone and was told that they had billed a different source responsible for my services than the usual one and that they would correct the billing to the one they usually billed.I was told that they would notify " TransWorld Systems Inc '' to Cease and Desist immediately.TransWorld Systems has reported this account to the CRA 's as a COLLECTION ACCOUNT to my credit files in the amount of {$1700.00} which has had a damaging effect to my credit record with the ( 3 ) reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have recently discoverd that i have multiple fraudulent accounts on my account that are holding my credit back
Product: Debt collection

IRC services called my brothers phone left a.message that they wwre going to have me arrested for me to contact them. He happens to work with me and hunted me down. The guy was yelling that I didn't pay my payday loan from XXXX XXXX XXXX in 2019 and he was filing felony fraud charges against me and I would be arrested today if I didn't pay XXXX. He discussed all this with my brother XXXX. My brother 's name isn't on any thjng that I've ever borrowed. When I called back he was yelling I had XXXX hour to pay. I do have a payday loan that I owe on from 2019. But there was no fraud committed like he said. He said they would be arresting me today in my way home from work. Can you please help? The phone number he called from is XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the owner of XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ) -I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Product: Payday loan, title loan, or personal loan

XXXX XXXX, XXXX Rt XXXX XXXX XXXX Shade NJ XXXX, used my credit info/ss # to obtain a {$29000.00} loan from GreenSky, XXXX XXXX XXXX, XXXX, GA XXXX. A XXXX Banking XXXX, XXXX, GA. I never agreed to any type of loan or did I agree to any contract with XXXX XXXX ( XXXX ) to install solar panels at my shop. I talked to a salesman from XXXX, and agreed to allow them to give me a quote on the project. They sent out a roofer to look at my roof, who claimed they needed to remove and replace new roof. The following day I received a bill from GreenSky ( GS ) with a interest only amount due of {$29.00}. I had never even heard of GS. I contacted XXXX, and told the I was no longer interested in having solar panels installed at my shop. I then received another bill from GS, with {$58.00} due a a {$39.00} late charge. After reviewing the bill it notice XXXX took a {$5900.00} draw from my loan of {$29000.00}. I never agreed to this installment, or did XXXX do any type of work at my shop. I contacted GS, who dispute what i told them said the need to look into my contract. XXXX than sent me a bill for {$790.00}. Claiming I owed them {$640.00} for bank fees paid on deposit. XXXX {$150.00}, for having a roof look at my roof. Assuming I 'm going to pay them money in advance to a signed contract for bidding on a job. They also did not return any phone calls fro GS, regarding the {$6000.00} dollars the received from loan. After spending countless hours on the phone with GS, they decided that I owned XXXX, {$150.00} in fees to XXXX, for work done. XXXX {$150.00} so a roofer could bid on my roof. GS gave me the impression that they had some type of ownership in XXXX XXXX. All along my credit report is showing I have an outstanding loan for almost {$30000.00} dollars. I was also in the progress of buying a new SUV for my shop. I believe GS outstanding loan hurt my credit report thus causing me to pay additional interest on the vehicle.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$74.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that a large amount of inquiries were reported on my credit report without my written or verbal concern. Here 's the list of all the companies that obtained my credit report or information in an unauthorized manner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REPORTING INNACURATE INFORMATION- *SETTLEMENT LETTER WAS FILED OR SENT TO ALL THREE CREDIT REPORT AGENCIES*
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed a lot of inaccuracies on my account. This account is hindering my ability to be approved for credit. I understand that the credit bureaus will investigate this account and ensure that there is complete accuracy. Here is the account that I am asking you to verify as accurate : XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : 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
Product: Credit reporting or other personal consumer reports

To officially notify XXXX XXXX  Equifax, XXXX and XXXX maintained information on my report as a consumer reporting to companies what was knowingly false : Example XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( XXXX  XXXX files ). Preventing an accurate financial picture. 
Per XXXX XXXX the correction is inhibited and a ticket was created to fix mixed member and remove XXXX. 
A followup was made on this and XXXX was to correct this in XXXX hours due today Saturday XX/XX/13 ; the issue is not resolved.
Product: Debt collection

Southwest Credit Systems keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I only found the company name by calling the number back and the recording told me. I have also received a collection in the mail saying that I owe money but it does not state that I have 30 days to dispute the validity of the debt and I check my credit report and see that they are reporting the collection on my report which is damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I paid for certified mail which contained 3 dispute letters for Experian, XXXX, and XXXX. I did not receive any updates or findings about my disputes and it has been 7 days short of a year since XXXX and Experian received the letters on XX/XX/2020 and XXXX on XX/XX/2020. 

I have attached pictures of my receipt for the certified mail to be sent and wrote the days the companies received and signed for the mail containing my dispute letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX 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 XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.