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

I have been disputing this collection on my credit report for months now. It was removed from transunion and XXXX but has not yet been removed from my Equifax report. This is catastrophic to my credit as it shows a much lower score than my other credit scores because of this collection. It also could be considered a form of defamation as it is looked upon negatively when I apply to places that pull that report. This is unbelievable and you can look at my previous complaints regarding the matter. XXXX XXXX has been sent all necessary information to dispute this situation and they are impossible to get someone on the phone with to discuss the matter. They just keep transferring and transferring and asking for more information when they are the ones that should accurately be keeping information. I will not pay {$90.00} that is not mine to pay. This is ridiculous and I'm getting fed up. Please investigate this company and the collections companies they are using. Anyone else they are probably out there paying for things that aren't even theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two 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 first investigation and subsequent reinvestigation, 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. 

FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to collect $ XXXX.This company is violating my rights under the no surprise act of 2022. They are also violating my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX DELETE IMMEDIATELY I am not liable for this DEBT with XXXX XXXX XXXX XXXX XXXX. I do not have an ORIGINAL CONTRACT with XXXX XXXX XXXX XXXX XXXX XXXX XXXX You did not provide me with the ORIGINAL CONTRACT as I Requested & THIS ACCOUNT IS FULLY VIOLATING METRO 2 COMPLIANCE & FCRA LAWS The enclosed account summary XXXX XXXX XXXX XXXX me clearly states : ( ( This account summary has been prepared by XXXX XXXX XXXX XXXX behalf of XXXX XXXX XXXX XXXX It is not a credit card or other account statement from the original creditor. ) ) THIS IS NOT AN ORIGINAL CONTRACT FROM XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishing Deceptive Forms & Deceptive Credit Report 1692j. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 
This is a NOTICE that I am DISPUTING your claim for this Account # : XXXX. 
!!! THIS ACCOUNT IS NOT MINES AND ITS REPORTING INCOMPLETE & INACCURATELY DELETE THIS ACCOUNT!!! 


VIOLATIONS ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT )!!! THIS ACCOUNT IS NOT MINES ; I NEVER HAD A CONTRACT WITH LVNV AND ITS REPORTING INCOMPLETE & INACCURATELY. 
DELETE THIS ACCOUNT IMMEDIALELY!!! 

XXXX 1. NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT. WHERE IS CLOSED DATE ) 2. INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) 3. NO LAST VERIFIED REPORTING ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 4. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 5. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 6. TERM LENGHT : 1 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 7. PAST DUE AMOUNT : {$1200.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE TRANSUNION VIOLATIONS ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT )!!! THIS ACCOUNT IS NOT MINES ; I NEVER HAD A CONTRACT AND ITS REPORTING INCOMPLETE & INACCURATELY.

DELETE THIS ACCOUNT IMMEDIALELY!!!

1. ACCOUNT STATUS : OPEN ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT ) 2. NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT. WHERE IS CLOSED DATE ) 3. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 4. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I found that the property management company from the apartments I recently moved from sent an item to collections without notifying me of the debt. I had been told previously that I owed nothing further and had left a forwarding address. I was also told this debt was for utilities billed for a time period after I had already moved out, turned in my keys, and terminated the lease. 
I did contact the collections agency at this time. They informed me that there is nothing they can do, that I must contact the property management. That it was there responsibility to inform me of the debt. This is something that never occured. 
The property management told me that they have no control of it. That the debt was already sent to collections and even though they made a mistake, they could not get it removed from collections. That that is the responsibility of the collections company. 
I disputed this debt with XXXX, XXXX, and equifax. 
XXXX and XXXX  took immediate action and removed the item from my credit report. 
Equifax stated the item was removed. However, at the beginning of XX/XX/XXXX, I found that the item was still there. I disputed the item again. The item is still there although the dispute has been completed. I am unable to view the dispute results. The pdf will not open, error messages occur when I attempt to open it. 
This is not my debt. I have disputed it again. Equifax is failing to investigate or take action regarding this item.
Product: Bank account or service

After receiving Citibank offer in mail in XXXX, about applying for Citi XXXX account and performing XXXX bill pay in each of XXXX consecutive months I would get XXXX ThankYou points, I thought that that 's a great offer and I opened new account with Citi. Right after they approved me for new account, I contacted Citi via their secure message system to verify if offer noted on my account, I received confirmation of that ( XXXX ). I completed requirements in XXXX, and made an inquiry about my bonus in XXXX XXXX XXXX XXXX, but was told that I need to wait 3 months for that. Next inquiry was in XXXX ( XXXX ) when I was told that I will be getting my bonus in the beginning of XXXX. After my last inquiry in XXXX, I received letter that I 'm not eligible for promotion, and not getting my bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SAW NOT MY ACCOUNT WHICH YOU POSTED ON MY CREDIT, I DON'T KNOW WHERE DID YOU GET THIS ACCOUNT FROM. I HAVE NEVER DEAL WITH THIS COMPANY. MY WALLET WAS STOLEN, SO I THINK SOMEONE USED MU INFORMATION AND APPLIED FOR IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Financial Services has NOT been reporting my payments to any of the three credit bureaus for the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020! I have bank statements and Toyota account statements confirming payments. But if you look at my XXXX, XXXX  and XXXX reports they all show a BLANK for these five months?? For the past few months I've gotten a Credit Help Agency to dispute the false report. ONLY XX/XX/2020 and XX/XX/2020 have been changed and properly updated on my credit reports. PLEASE correct my 2020 payment history on my credit report with XXXX, XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

Despite making timely payments, the report indicates two late payments. It's crucial for consumer reporting agencies to maintain complete accuracy in their reporting. However, this account has never been late on payments. I've enclosed a copy of my report for your reference, highlighting the discrepancies dated XX/XX/XXXX and XX/XX/XXXX. I kindly request a thorough investigation into this matter and urge you to provide verifiable evidence supporting the alleged late payments. 

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
Product: Credit reporting or other personal consumer reports

It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that does not belong to me. These companies are not assisting in removing these fraudulent items XXXX XXXX XXXX XXXX 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/XXXX
Product: Checking or savings account

I was scammed by a company pretending to be a music marketing company ( XXXX page linked to a fake website ( which is now turned off in addition to the contact number ). 

When I discovered the company was not real, I attempted to reach out to the email address and phone numbers I had for the company - with no responses ever being received. I, then, obtained an attorney to send a Demand letter to the company via the contact methods that were listed. Again, no response AND the XXXX XXXX XXXX informed the address the company was using as their was not and NEVER has been affiliated with the company or the person listed as the CEO and was not an entertainment company at all. 

I then contacted XXXX regarding how to initiate the refund/pull back from the transactions, who informed me that would need to be initiated by my financial institutions because the contact number listed for the XXXX account was no longer in service for the merchant. XXXX informed me to contact my financial institutions because they could reverse the transactions via a dispute for the charges. 

When I contacted XXXX and Ally Bank, both have refused to reverse the transactions, even with the supporting documentation from the lawyer where it was determined the company was a scam/ponzi scheme. However, XXXX approved and refunded the payments that were made from my credit card that were also involved in the scam and paid thru XXXX ( unsure how one account can approve the scam transactions, and the other account with the same financial transactions are being declined ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the charge-off and collection accounts. No changes were made. Below are the inaccurate items from my credit report : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Attempting to have me acknowledge owing a debt over 7 years old and was paid off prior to 7 years. Explained to debt collector this debt was paid in full and is over 7 years old.  Debt collector said they will seize my paychecks until this debt is paid off to them. I explained i have paperwork showing full payment made and to not contact me further. They threaten to contact my employer and family members until i start paying them. This is harassment and should be illegal to try to collect debts that are not owed and past the 7 year mark.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX, my credit care was used to make four purchases totaling {$410.00}. 

I had not used the card prior to the day before when I used it to have repairs done on my car at the XXXX dealership. And then the next day, these other charges appear. Citi flagged the transactions as fraud, and we closed the account. I was told the charges would be submitted as disputed. 

When I went to pay the bill the next month, the charges were still there. I called to ask what happened, and they hadn't even opened the dispute. I asked them to, they did, then a week or so later I got a letter that said the dispute had been closed because they did not get some information they needed. This was after I'd answered the same battery of questions on the phone twice. 

I called back and complained and they reopened the dispute again. Now, they have determined that the charges weren't fraudulent and have accused us of theft. I did not make these charges. My husband who's an authorized user on the account did not make these charges. Citi even flagged them as fraudulent, which is what started this whole thing. How are we now being held responsible for them? I can not prove a negative -- we destroyed out cards as instructed when the account was closed. I can't prove anything now, and am on the hook for money that's a big deal for me, but chump change for a mega-corp like Citi -- which I don't doubt will have to be bailed out by me, the taxpayer, at some point in the future. 

I will never bank with Citi again, that's for sure. I will be closing both accounts as soon as humanly possible. But how do I get the {$410.00} in charges I DID NOT MAKE removed from my account? I've been a Citi customer -- one of their premier members or whatever they call them -- since XXXX. This is appalling customer service. 

It's also worth noting that the actual money I'm going to be out here is well more than the $ XXXX.I 'm a self-employed small business owner. My time is valuable. But Citi has wasted hours of my time on this dispute with multiple phone calls and putting me on hold for 20-30 minutes at a time and then giving me this run around. And those calls -- they have all had terrible sound quality and people who clearly don't speak to each other and barely can communicate to the customer what's happening. This is no way to treat honest customers who pay their bills on time.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these 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 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX