23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I respectfully requested to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Failing that the item must be deleted. On XX/XX/XXXX, I was only sent an alleged credit card statement with no payment history or judgement against myself. The listed item is completely inaccurate and incomplete and is a very serious error in reporting.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 an 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my report, I noticed negative account that I have never applied nor any communication with them. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I don't owe this debt. This is a formal notice pursuant to FDCPA 15 USC 1692g stating your claim is disputed and validation is requested. I have never receive any documents bearing my signature, showing that I have a legally binding contractual obligation to pay your company.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

I have reached out to All credit bureaus some have refused my request to dispute the unauthorized inquiries on my credit profile. 
I have asked them to investigate. 
XXXX employees told me they don't investigate disputes, They told me I have to reach out to the creditor to obtain a letter of deletion. After reaching out to the creditors they told me I have to call the credit bureaus and request a dispute. So I recontacted the Credit Bureaus and attempted to get them to honor my request to check out the unauthorized inquiries. They continue to give me the runaround and hanging up in my face 3 times. 

XXXX started off giving me a run around for my request. Telling me to reach out the creditor. By telling them I already have done this and a threat of contacting CFPB they open disputes. But when I go to the dispute center in XXXX it seems as if they doubled up on disputes and missed out on a couple of disputes in the date range of XX/XX/XXXX to XX/XX/XXXX. 

Equifax has also given me the run around still waiting on a call back for them to finish addressing this issue with the Inquires ... 

I want is for these credit bureaus to do is follow the law validate these unauthorized inquiries and show me documentation of there validation. A binding contract, Copy of Id, Application, Authorization to pull credit ...
Product: Debt collection

I have received a letter from the Stillman Law Office to collect a debt I know nothing about. I have no idea who this XXXX  is or what he/she supposedly treated me for. Theres no date of service and no explanation of care I supposedly received. The letter we received says, As of XX/XX/year> you owe XXXX. Again, theres no specific details or date. If it were valid, I feel I should have received a bill from the provider first, but we have no such bill and again, I dont know this provider at all.
Product: Vehicle loan or lease

Gm financial reporting false info on credit reports this has been disputed and changed several times now in the last few years it was just disputed and changed again on XXXX threw XXXX the info they just sent to the cfpb does not match what there reporting to credit bureas ( do not respond with a copy of the contract as a reply to this complaint that has nothing to do with the wrong info being reported by gm financial ) a response would be dates this has been disputed dates it was wrong dates it was updated for being reported wrong
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. 

List of Unauthorized Inquiries : XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

XX/XX/XXXX : Mailed XXXX XXXX County Property Tax Statement which indicates taxes due XX/XX/XXXX is {$3800.00}, to Amerihome. Received Annual Escrow Statement dated XX/XX/XXXX, which indicates Property Taxes are {$6800.00}, and that my monthly payments would increase from {$1200.00} to {$1600.00} beginning in XX/XX/XXXX. Called Amerihome in XXXX, and was told that yes, the actual Tax Statement had been received, that my Escrow Account would be updated to reflect the amount on the County Tax Statement, and that they were initiating an Over-payment refund request with XXXX County. Also, that once updated, my monthly payment would be within a few dollars of what it had been, {$1200.00}. Received Statement dated XX/XX/XXXX, which indicated that XXXX 's payment would be {$1600.00}, instead of what it had been previously. Called Amerihome, and spoke  to XXXX, and eventually XXXX, allegedly a Supervisor in the Tax Dept. During this call, it was confirmed that Amerihome had received the Tax Over-payment Refund, and that I should only make a payment of {$1200.00} for XXXX, that my account would be updated and I would receive an updated Annual Escrow Statement. I made that payment on XX/XX/XXXX. Spoke to Amerihome today, XX/XX/XXXX, after the XXXX Statement I received still shows amount due of {$1600.00} for XXXX, and I still have not received a updated Escrow Account Statement, which I need for my XXXX Tax Return.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX XXXX delivered a bed to my home that was already savaged and I returned it the debt was unsettled and its still on my credit after seven years. I have asked three credit beraus to remove it only XXXX did after investigating the others didnt In XX/XX/XXXX my insurance did not pay my physicians and the Debt was bought by XXXX XXXX in XX/XX/XXXX after not reporting to me that this medical bill was out here they then place it on my credit on XX/XX/XXXX I paid the bill on that day because Im in the middle of purchasing a home. I asked the three beraus to remove it because its holding my progress up, XXXX   removed it but the other two did not. I would like to file a suit because I was not given a chance to pay the bill and it is against the law to place any debt on an individual credit if you can not provide documentation that you requested payment in a timely manner
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I was unable to log into my XXXX XXXX XXXX Account at all and I kept getting emails about their system being temporarily down and in order to make my payment I had to go into a branch to make my payment which I have. I have made several payments and have brought down my balance significantly but it has not been reflected on my credit report. In fact, the last update to my balance on my credit card shows XX/XX/2024 which is severly harming my credit score and chances to be approved for any sort of credit, and is severly impacting me as my financial situation is being incorrectly reported. I am unable to reach XXXX so I believe the credit bureaus should be responsible for reporting correct information or not report it at all as it is their responsibility to report correct information about my credit.
Product: Credit reporting or other personal consumer reports

I have a contract to pay for my car on the XXXX of each month. On XX/XX/XXXX, I made my car payment and XXXX XXXX processed the payment correctly, my bank affirmatively confirms that XXXX XXXX collected the funds on time. However, XXXX mistakenly processed the payment several days later and put the late payment on my credit report. I am presenting XXXX with the necessary evidence that indicates that the charge was processed successfully, my bank statements confirm this. XXXX is not presenting any documentation, it is only limited to saying that the payment was made out of date. They send a letter created by themselves with a summary of the payments. However, I am submitting bank statements and transactions demonstrating that payment was made on time. Currently, XXXX technical support recognized that they have had errors on their website to process payments that I should have sent the payment 5 days before. THIS IS A FLAGRANTY VIOLATION OF CONSUMER RIGHTS. XXXX is NOT presenting any evidence beyond a document created by themselves. My account statements demonstrate my payment on time, this is and constitutes sole evidence and refutes any late payment. If my account statements with collection transactions do not demonstrate XXXX 's inconsistency, then what is the point of dispute processes with the credit bureaus if they do not take into account evidence or documentation? Credit bureaus make decisions based on their profits and do not protect consumers. There are no letters indicating why they make the decisions. I expect a firm resolution to this matter, to avoid continued disputes until the matter escalates and is removed from my credit.
Product: Credit card

Disputed a duplicate charge on my Capital One credit card. After receiving acknowledgement and a credit from them, the charge was later debited to my account with a follow-up letter telling to work it out with the merchant and that the case was closed.
Product: Credit reporting or other personal consumer reports

I hereby request a complete reinvestigation against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX for posting unsubstantiated debt purchases and/or collections against my personal credit reports. I have posted individual collections against each of these companies and my disputes are on point legally. I requested that each company remove all collections permanently.
Product: Payday loan, title loan, or personal loan

I started this loan on XXXX XXXX XXXX for XXXX. I wanted the loan at first to help pay off my car, but I soon found out that I did not want the loan however it was still processed into my account. I used the money to pay for my car, however the interest on this pay it now loan was incredibly high making it nearly impossible to pay it off. I was making small XXXX $ every week that I got paid and once I started a new job they was taking it out every other week. I eventually was n't able to pay them anymore. And I wanted them to understand that I am a struggling XXXX XXXX who has a medical condition that I have to pay for my medicines out of pocket. In XXXX XXXX XXXX my car was repossessed, I tried to explain to Genesis Financial that I will not know when I will be able to pay them because my car was really important for me to have. At this point I had restablish a monthly payment of XXXX dollars a month to them, unknown to me this loan had quadruple in amount and I now owed XXXX. I told XXXX XXXX the " account manager '' that I did not know when I 'll be able to pay, and he said that I was non compliant. He threaten to sue me and him and XXXX used words like good luck in court and we hope that you have a good lawyer and hanging up the phone as I am desperately trying to understand how this escalated. They said that I was aggressive, and I threaten them but they somehow cant find the records of the phone call. I looked up consumer laws and I have a few lawyer friends who told me that this is not proper behavior for a company. They can tell me that the next process will be handle in the court of law but they can not use words that seem to threaten me. Honestly the whole interaction caused me to have an XXXX XXXX  which causes me to have XXXX XXXX XXXX. I do n't want to give this company another dime. I have given them well over the XXXX I owe them and I think its time that they are shut down.
Product: Debt collection

I have been getting calls from a XXXX XXXX with Nationwide Arbitration Services at XXXX and he is threatening me with legal action. Have not received any written information regarding a debt that he says I owe. When I tried to speak with him, he was very rude and dominating. I demanded information in writing and he states that he is sending paperwork to XXXX XXXX Texas court system and the docket # is XXXX. XXXX XXXX Texas has no information regarding that number.
Product: Debt collection

I want your help to remove this bankruptcy in my credit report because this is not okay and Bankruptcy should not be reported in my credit report as said by the XXXX and you don't even have the means to make sure that you are reporting this correctly!
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inquires from XXXX and XXXX  XXXX XXXX reporting hard inquiries on my credit report. Please remove from my report ( s ) Also XXXX  from my XXXX  report XXXX, XXXX, and XXXX XXXX  from all of my credit reports via XXXX, Transunion, and XXXX
Product: Credit card

I am being charged to much interest per lousianna scra act, also am trying to get the annual fee waived .
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX I Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX
Product: Credit card

I have had an account with American Express since 1987, but American Express refuses to report this to the credit bureaus. 

Instead they continue to report my car as a new account even though my America Express account shows me a member since 1987. 

American Express NEEDS to correctly report my account start date to ALL three bureaus with the 1987 date.
Product: Credit reporting, credit repair services, 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 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 deleted : XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card company TJX Rewards Charge Card has sent several letters to remove any delinquency/30 day late payment reported between XX/XX/XXXX through XX/XX/XXXX. They have granted a courtesy and XXXX and XXXX will not remove as requested. These were disputed XXXX XXXX XX/XX/XXXX XXXX one in XXXX and one on XX/XX/XXXX. Some information has been changed to XXXX late payments however the wording is still showing as late payment. I am concerned that my information is being tampered with and not in my favor. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is displaying erroneous information on my credit report, I contacted XX/XX/21 and they still havent updated my credit report with the false information deleted. Please correct this thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see Additional information, as requested by Experian & XXXX in attachments for further details. 

As it appears on my recent Credit report. By XXXX XXXX Experian XXXX is being reported inaccurately and is in violation. Please see attachment for further details. 


The company is currently reporting a balance of {$1500.00} this information is inaccurate. Delete this account immediately. 

In the attachment you will see a billing statement sent to me by XXXX for validation of debt. On the billing statement there is an address : XXXX XXXX XXXX XXXX XXXX New York, XXXX of which is not consistent with my mailing address of which I've lived at for over 15 years. There is no record of this address on any of my consumer reports or address history. As a result the information being reported is inaccurate and a violation. Remove XXXX from my XXXX and Experian effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor is XXXX XXXX XXXX and I have a inquiry on my report that I didn't authorized nor did I apply for anything and I want this item removed via FCRA section 623 if you can't provide proof that I requested to have this inquiry on my report It's fraud.
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX  balance {$0.00} account # XXXX 30 days in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/2020.
Product: Debt collection

Notice Of Cease & Desist Account # XXXX This is a notice to cease & desist. Jefferson Capital Systems LLC has violated my rights according to the Fair Credit Reporting Act, Section 604, Permissible purposes of consumer reports { 15 USC, 1681b }. You guys are practicing illegal debt collection practice. A debt collector is those who regularly seek to collect debts. I am the original creditor/consumer, in order for a consumer reporting agency to add anything that must get my permission to do so and i didnt give you guys permission. I define myself as a natural person and not a corporation therefore, I have the right to defend myself and tell you guys what to put on my consumer report and what not to. Also, 15 usc 1602 ( p ), I did not authorize you to get my information. I am demanding that you guys stop illegally reporting to all consumer reporting agencies and all forms of communication. Take this off of my consumer reports today. This is an alleged debt I am not paying anything. This is the first step of litigation. So if you don't honor this cease & desist and honor my demands I will pursue litigation.