23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collection company has placed a collection account on my credit file which the original creditor is XXXX I have not done business with XXXX in a long time 8-10 years ago. There is no way this is accurate please help
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts have violated my rights. 

I looked at my Equifax credit report in 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed a few fraudulent accounts, inquiries, and address reporting on my credit file. Ive been dealing with this issue for a good while now. Back in XX/XX/2023, i contacted the bureau regarding these issues and still nothing. I am extremely upset and frustrated because i am trying to acquire a home for me and my family of XXXX but these fraudulent accounts and inquiries are hindering me from doing so.
Product: Checking or savings account

Received an email dated XX/XX/2022 at XXXX AM letting me know that my request for a Skrill account had been approved. A couple of emails later there was a confirmation that card XXXX has been added. The final email stated I needed to send in a copy of my identification to finish the process. The email address used to open the account was XXXX. 

I did not open this account. I attempted to contact them at the phone number provided XXXX and it continues to loop through a process of entering a pin and pressing 1 for English. You can not get to a live person. There's no email address to contact. The address given for the company in the email is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX. 

I have had several accounts opened in my name and I have consumer fraud alerts on my credit report. Just recently a XXXX XXXX XXXX account was also opened in my name that I have had closed. I need to make sure this account is closed and removed from my record, if necessary. 

Thank you for your help. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$65000.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$65000.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX BANK Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$65000.00} XXXX  XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The original financing was, between XXXX XXXX and XXXX XXXX my husband at the time of the divorce, in XX/XX/2015.The judge awarded the Real property, including vacation property, all insurance, tax and all cost incurred with said properties to XXXX XXXX and declared that, My ex-husband was responsible for the mortgage ( s ) and he had full ownership of all properties and all debts, incurred. The original note for the time share, has been paid off before our divorce and any incurred maintenance /expenses are those of my ex husband, for the usage of the property and his personal enjoyment. I have not requested or visited any of the properties and/or services, that are provided by the original sales agreement. After the judge awarded the timeshare to my ex husband. These cost are that of the owner and the usage and upkeep. I am no longer the owner of the timeshare and I have no knowledge of whom Pinnacle Recovery. They were not involved in the original agreement and have no working knowledge of the transaction. The debt is not valid, nor is the debt, my debt. 

The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to any ability to report, this debt/information and as protection provided by the fair credit reporting act. The collection agency, has stated that the debt will be reported to the credit bureaus and placed on my credit file, causing a hardship, for me and my family. 

I have spoken with XXXX XXXX and notified them countless times, that ownership of the timeshare, had been taken from me by the courts and awarded to XXXX XXXX, in whole. XXXX, has still tried to collect fees from me and has stated that, they have no respect for the court system and the judge has no authority over them and their property. These cost are the cost for the ownership of said, timeshare, which is not me, as of XX/XX/2015. 

I have tried to work with them, including but not limited to, asking XXXX XXXX, to allow XXXX, to sale the timeshare. XXXX XXXX agreed and XXXX was unable to sell, the timeshare, even at a discounted rate, because the timeshare market is all but gone. This is a strong arm approach, to try and secure a profit from, me on a investment, that I do not own and a market that has all but, died and this activity by all parties are illegal and I request a cease and desist of all collection attempts from me by all parties involved and that any attempt to place such debt. Cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XXXX XX/XX/2020. This dispute was against XXXX. I had filed the same dispute with XXXX and after they investigated they agreed to remove the negative remark from my report. XXXX and Equifax have been difficult to work with and both companies have been hard to get a hold of. This account with XXXX has been paid off. I have the title of the vehicle in my possession. This account is also included in the current settlement XXXX is facing. I am a father to XXXX children looking to buy our first home. These negative remarks that are not relevant or applicable are severely affecting my ability to do so.
Product: Credit reporting or other personal consumer reports

My name is incorrect on my report it should be the same as my state if and social security card my full and whole name no other name or abbreviations this is the only name I go by.it should be on all three credit bureaus the same way. On my on. Address should be on my report I dnt live in two or three locations only one and thats XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX no other address should be on my report ( XXXX XXXX XXXX XXXX XXXX only name should be on all three reports XXXX XXXX XXXX XXXX XXXX is the only address should be on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with discover and recently I noticed they were reporting my utilization which is a violation of the FCRA. 15 USC 1681a ( 2 ) ( A ) ( i ) states that consumer reports does not include information solely as to transactions or experiences. Utilization is an experience and transaction between me and discover and should not be on my consumer report. please remove the utilization from my credit report. 

This has greatly effected my credit worthiness and my reputation as I am in the process of buying a home and this illegal reporting of my experiences is preventing me from doing so. 





Account name- Discover Bank Account number - XXXX
Product: Credit reporting or other personal consumer reports

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

I applied for XXXX credit card online and was approved and given an account number however I received a letter in the mail stating they need more verification for the account that was approved I provided that verification fax my credit report shows it was checked by XXXX it shows I have an open account by XXXX  and after providing the verification requested they close the account which affects my credit report as well so my credit report was affected three times through a credit card application and XXXX refuses to do any repair basically they told me they made the mess and I have to clean it up.
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 us 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 XXXXThis 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I have never been late on any payments, XXXX XXXX XXXX reported the information incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reviewed my tri merge credit report dated XX/XX/2022. After review I noticed three accounts that any and all fields that had a date did not match what the other agencies had in their records. These accounts are XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX number XXXX and XXXX XXXX XXXX account number XXXX All three accounts have very different dates in all date fields across all bureaus. 
I sent certified letters to the three bureaus asking them to go back to the respective creditors to get the correct information updated. to investigate what were the correct dates as the should all have the same start and end dates for example. 
Its " well over the 30 days now for all letters received. As of the XX/XX/XXXX credit report there has been no change to these accounts that i can see all fields that require a date have different dates from the other bureaus. 
Please look into this situation as soon as possible. It is my belief that these accounts should have the same information. 

Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

the following account on my credit have been reporting the wrong amount and is incorrect on my credit report causing me not to be able to get anything with me credit, and the amounts are wrong on this account. The account was removed off my report then added back at random dropping my credit score XXXX points attached is my credit report with the account removed and a screen shot of the account re added to my report dropping my score XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter 120 days ago asking for this company to provide me with proof that I own this debt, and they have failed to respond. I then looked at my credit report and noticed that they are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if they failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and provide me with the documents with the original signatures for the numerous fraudulent, unauthorized inquiries that are reporting on my consumer credit reports/files.
Product: Checking or savings account

I recieved a phone call stating that I applied load with First Tech Credit Union in XXXX. 
I never applied for a loan nor am I a member of the credit union. I live in XXXX XXXX 
I recieved a letter from the credit union and for all of my personal information and I have called the credit union to try to resolve the issue. With no luck. So I wanted to report it to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that I owed a balance of XXXX $ until XXXX of 2021. I began payments thru their collection agency, XXXX XXXX  in XX/XX/2021, with XXXX $ monthly payments for 3 months before settling in XXXX for XXXX . Actually paid XXXX $ and settled. The account balance carried thru XX/XX/2021 is incorrect, and has been disputed with no result. They are in violation of the FCRA for false information. All 3 credit agencies, Transunion, XXXX, and XXXX  have failed to investigate.
Product: Checking or savings account

Hello, I am making a new claim because my accounts are all closed, that is fine, the problem is that they did not send me the total money that I had in my accounts. they sent me checks with minimum amounts it does not match what I have in the merril bank, and I called and went in person to a branch but they told me that the money was sent where it was taken out to send to merril, but I called the bank to investigate If you have received a deposit and the bank 's response is that the account is closed, and we do not have a deposit and also this account is no longer eligible to receive deposits since it is closed, please verify my account well, collect all my money and send a paper check to the address that appears in my bank profile, as soon as possible and waited too long I demand to receive the best attention to this case thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX We called to see what it was and they said to sign in with my debit card and wanted my information i put mine card number down on the pin and my zip code and i put it down they couldn't find me at all.I don't know who they are and they wanted my social security number i hung up because i don't give out my personal information out there. I only have one card and that from my bank in Texas I never been to Florida in 5 years it shows it from Florida on XXXX.
Product: Credit card

A credit card was issued in my name from Target which I didn't open a charge of {$290.00} was made on this account. The company reported this on XX/XX/year>. I've called and reported this to Target credit Dept. as fraud. They've launched an investigation and I'm now reporting this here.
Product: Debt collection

I recently received a Notice of Withholding and a copy of a garnishment summons for a really old debt. When I had previously checked my credit report it said this particular account was closed and written off as a bad debt by the creditor. 
So as far as I was concerned there was no collections or anything. 
I had not been contacted regarding this debt and I was not notified of any kind of court proceedings or that a case was filed against me. 
Upon receipt of this notice of withholding i contacted the law firm who is collecting the debt and they claimed to not even have my phone number on file. How could they have my SS number but not my phone number? According to their records my last communication with them was in 2012. So that 's 4 years where they did not make a single attempt to contact me or notify me and then suddenly my pay check is being garnished. 
Also I probably did not live in the state where the action was taken against me. Since I have no idea when legal action was taken against me I can not verify that.
Product: Student loan

Citibank was the holder of my student loans. I requested service-members civil relief act and also Requested deferment and did not receive either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to each of the credit bureau 's on XX/XX/2021 to notify them that my personal information is inaccurate due to identity theft and as of today XX/XX/2021 the inaccurate information is still reporting on my credit and I am concerned that additional damage may be done if this is not corrected immediately. Please see attached identity theft affidavit and letters sent to the credit bureau 's.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Reference previous complaint and this complaint for an update on what investigations have determined. 

ID : XXXX I did not authorize the creation of any accounts besides XXXX. Recent investigations have turned up that my brother created them in my name while I was in a XXXX XXXX from XXXX til XXXX. He XXXX XXXX XXXX XXXX So Id appreciate you getting rid of those accounts. I didnt have access to my phone number, emails, or internet while in the XXXX XXXX so how would I have made them?
Product: Payday loan, title loan, or personal loan

I received a {$1000.00} loan ( XXXX ) from XXXX XXXX XXXX. I recently learned that these types of loans are illegal in Arizona where I live. I have paid back more than the original {$1000.00} and since the loan is illegal, I would like it to be closed as paid in full.
Product: Debt collection

i constantly asked diversified consultants to stop the reporting of the inaccurate information stating that i owe a balance, I am a victim of identity theft and they seem to not taking the proper procedures, but still reporting negative to all XXXX credit bureaus, i asked them in a certified letter for validation of the debt, but they continue to still is engaging in deceptive acts.