23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently, I submitted this account for been inaccurate and incomplete information. This account still appears on my consumer XXXX credit report after being inaccurate. The account close date XX/XX/XXXX open date XX/XX/XXXX how can the account be closed ( 20 ) days before it's open on XXXX XXXXXXXX has it open XX/XX/XXXX closed XX/XX/XXXX. XXXX has this account open XX/XX/XXXX closed XX/XX/XXXX so there wasn't an investigation on this account. Remove this account immediately!!
Product: Debt collection

My former apartment complex, The XXXX, sent me my move out statement that showed I didn't owe them anything after my move out on XX/XX/2022. I was also told by the office that if I should owe a balance they would allow me 30 days to pay the amount owed before sending to collections. Less than two weeks after the initial statement showing nothing was owed to them, I was sent to collections for an amount over {$500.00} and was not notified until my new apartment complex manager let me know that my previous apartment complex had just called her to try and keep me from getting an apartment at my new complex claiming I owed them money despite the statement I had from them showing I didn't. Then a few days later I received a collection letter from PCI ( ProCollect ) stating I had been reported for debt collection and that I could dispute or ask for validation of the debt. On XX/XX/2022 I went to the ProCollect website and completed their contact us form with my reference number provided in the letter and I disputed the debt and asked to be contacted. I never heard back from ProCollect despite my attempt to establish contact to discuss the collection attempt so I could provide my documentation and the slander that was attempted by the apartment manager in trying to keep me from getting a new apartment for me and my XXXX children as a single mom that was not notified and given false information by my former apartment management. I receive several calls from them but they never respond when I answer the phone and instead the call disconnects. They are reporting to my credit report and it doesn't seem right considering I had made attempt to dispute the debt and reach a resolution with ProCollect.
Product: Debt collection

In the state of Iowa, debt collectors are restored by law to state, " This is an attempt to collect a debt. Any information collected may be used for that purpose. '' This caller, Williams and Fudge, initially contacted me on XXXX/XXXX/XXXX, and did not state that legally obligated statement. Instead, they acted like they could not hear me and repeatedly asked if I was a certain person. I answered yes, and they immediately hung up. What has followed has been months of phone calls from spoofed local numbers ( including my own number calling me ), from Williams and Fudge : Dates and number of calls : XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 7 XXXX/XXXX/XXXX - 2 XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 2 XXXX/XXXX/XXXX - 1 They have now added a relatively small collection amount to my credit report without ever having notified me that such a debt was owed. I believe my rights have been violated by Williams and Fudge.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX and list of Inquiries 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: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2022. Since then the account has repeatedly been updated as charged off every month. This is an update on the payment history. A charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called MoneyLion multiple times about a loan l took out in XX/XX/2020. The loan payments were being drafted from my checking account. I noticed on my credit report I had 60 days late payments. I called them with little help at all. I disputed it on my credit report until they wouldnt let me anymore. The results after being disputed were just the months I was told I was late. At first late payments were reported for XXXX and XXXX. Then after being disputed changed to payed in XXXX and XXXX and late for XXXX and XXXX. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023 I lost my phone, after from my XXXX stock broker account was stolen XXXX XXXX I opened a claim to investigate where it hasgone, trace and reverse the withdrawal, i'm waiting XXXX  month and still there is no clear response about resolution and when I will get my money back. When I contact the support they say an unclear response that " There is no error '' and they do not provide me with more information. 
Asking to reverse unauthorized withdrawal ( trace and identify bank account holder where monay was withdrown, and take legal actions if needed ) or reimburse me from insurance becauseRobinhood failed to authorize a person, allowed scammers to get a loan ( activating margin option ), attache new bank account without verifiing account owner and allowed withdrow monay to unverified someones elses bank account other than XXXX account holder.
Product: Checking or savings account

In XXXX, XXXX I filed a fraud claim against a company in California. The person who took my complaint XXXX, gave me Case number XXXX. She incorrectly charged the wrong company, XXXX with fraud. A few days later when I found this out about this error, I called Citibank and talked to XXXX who I reported this error to and again named the company for which the fraud complaint was intended for. XXXX assigned me case number XXXX. The case of fraud against the California company was resolved in my favor 3 months later. I received a letter from Citibank in XXXX, XXXX asking if I wanted to drop charges against XXXX. I then called and spoke to a Citibank customer service person who said I had to sign the letter that I did not want to press fraud charges even if I never charged XXXX with fraud. I asked to speak to supervisor XXXX who said to ignore the letter since he could see I had informed Citibank of the error in XXXX, XXXX. I then started having a problem with XXXX and an inability to use my debit card with them. I reported this problem to supervisor XXXX XXXX on XXXX/XXXX/XXXX. He said it should be cleared up in one week. I made contact with customer service that I was concerned that XXXX did not give me a case number and that he would not send me an email confirming what he would do. I later received an email that it might take another 3 more months to clear up, but still no case number assigned to the problem. I emailed XXXX XXXX XXXX in XXXX XXXX at the Citibank executive response unit in XXXX XXXX and she said she would investigate and then a week later stated in an email to me : " XXXX XXXX, please accept my sincere apology for the inconvenience you described surrounding the use of your debit card with XXXX. Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance. '' She then stated the " case was closed. '' I still can not use XXXX to purchase items and it has been almost a year that I reported Citibank 's error and now XXXX XXXX XXXX will not respond to my emails and normal customer service at Citibank will not address the problem since it has been handled by the executive response unit.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX  under the account number ( XXXX ), an account opened at XXXX XXXX XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX  under the account number ( XXXX ), an credit card account opened at XXXX XXXX under the account number ( XXXX ) an credit card account opened at XXXX XXXXXXXX XXXX XXXX under the account number ( XXXX ) and a collections account opened at XXXX XXXX on XX/XX/year> with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I never received any information regarding this account prior to it appearing on my credit report. I was advised to pay the debt to make it go away regardless of receiving any information from the creditor. I disputed the debt on XX/XX/19 and received no response from the company, though it came back verified. How was the debt verified and why didn't I receive any communication? I disputed it again on XX/XX/19 with the same result - no communication but verified. Furthermore, the account is listed as open with XXXX. How is a paid collection, open? This company has sloppy reporting and collection practices and is hurting my ability to move forward.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring ximum possible accuracy of my credit ort ( 15 U.S.C. 1681e ( b ) ) and ducting a proper reinvestigation to hove the errors within the required 30-day iod ( 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting these XXXX account XXXX as having a balance and being severely late however the data furnisher is reporting in my account on their website that I am being issued a refund due to the fact that the merchandise was never in my possession and therefore should not be reporting on my credit report. This is a clear violation of the Federal Consumer Reporting Act section 611 regarding the CRA sole responsibility of only accurate and verifiable information and the FCRA LAW 605B which enables this and all reporting that is fraudulent inaccurate and erroneous to be deleted permanently from the credit report. EXPERIAN has violated this law on several occasions and I am seeking damages for lost of wage, shelter and creditability because of the inaccuracy of reporting for the amount of XXXX which account for the several occurrences in which I have had to reach out to Experian regarding this and other inaccurate claims each occurrence of damages of XXXX per incident totaling 25 incidental occurrences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have reviewed my Credit Report and seen a Number of Fraudulent Accounts and Inquiries. I have contacted the Creditors and they stated that they have No Evidence of my Credit with them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charged-off account that appears on my credit report. This account, issued by XXXX XXXX XXXX  with account number ending in XXXX, was opened on XX/XX/year>, and shows a balance of {$3800.00}. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. I am requesting a thorough investigation into the accuracy and completeness of this charged-off account. If you can not verify the account details with complete supporting documentation, I am requesting the removal of this account from my credit report. 

Additionally, Section 623 of the FCRA mandates that data furnishers must ensure the accuracy of the information they report. This includes updating or removing any items that can not be fully substantiated or verified. 

Please initiate an investigation and, if XXXX XXXX can not provide adequate verification, promptly delete this charged-off account from my credit report. Enclosed with this letter are copies of my ID and any other supporting documents needed to process my dispute. 

Please inform me of the results of your investigation in writing within the required 30-day period. 

Thank you for your attention to this matter and for ensuring my credit report is accurate and up-to-date.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Equifax credit report and was dismayed to find that accounts were reported without my permission. I did not grant anyone consent to post this information on my credit report, nor did I provide any third party with authorization to furnish such a report. 

Your company 's actions are in clear violation of the law, specifically 15 USC 1681b - permission to report on consumer credit report. The law explicitly states that consumer reporting agencies may only furnish information in accordance with the written instructions of the consumer. I did not provide written instructions for these accounts to be included on my credit report. 

Furthermore, the Fair Credit Reporting Act under 15 USC 1681 ( 2 ) ( a ) states that any report containing information solely as to transactions between the consumer and the person making the report should be excluded. Therefore, I am requesting that the late payments referenced in my consumer report be deleted immediately. 

I expect a prompt and appropriate resolution to this matter. Please confirm receipt of this letter and provide a timeline for when the unauthorized accounts will be removed from my credit report. 

Failure to respond satisfactorily by deleting the unauthorized accounts and providing me with a free copy of my report after the changes have been made will result in legal action being taken against your company. I will also seek {$1000.00} per violation for the unauthorized reporting of information on my credit report. 
1.Defamation of character ( per se ) 2.Negligent enablement of identity fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations. 
4.Fair debt reporting Act 15USC 1681 violations for willful noncompliance for willful noncompliance [ 15 U.S.C. 1681n ) Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX and do not have a contract with them.
Product: Credit reporting or other personal consumer reports

Back in XXXX, I moved into the XXXXXXXX XXXX XXXX XXXX XXXX. I lived there for 2 years and experience unlivable living conditions. There was mold in the vents, furniture broken and torn, mold in the bathrooms and maintenance wouldnt help fix any of the issues my roommates and I submitted requests for. I told the apartment I wouldnt pay rent if they didnt hold up their end of the lease and help make our apartment at least liveable. We were getting sick every week because of the mold in our vents. Southern Management Systems then added on a housing debt of over {$2000.00} and wouldnt do anything to help investigate the situation. You can look up the apartments on XXXX  and see the XXXX star rating they have and many other XXXX who have also dealt with unlivable matters. I had even gone into litigation with the company which got the debt taken off my credit in XXXX XXXX XXXX  but then somehow got put back on my credit thus making it difficult to get an apartment in XXXX.
Product: Credit card or prepaid card

Barclay Bank lowered my credit limit and drop my score down XXXX points because I opened an new credit card to consolidate my other cards. It went down from XXXX to XXXX cause I had another credit card. 
I have never been late, was over my credit limit and it took me 8 years to get that credit limit. It discrimination that they looked at my XXXX and said I wasnt eligible to have their card due to what, my financial situation, i have no negative marks, i am not maxed out on any of my cards, and make more than enough to pay my bills. 
When talking to a representative, they have nothing to say but it is what the company wants and there isnt an option for a review or reverse of the issue.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX OF Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score.
Product: Checking or savings account

I spoke to the customer service agent who lied several times to me. I was first told that there was no indication of any deposit pending. After I called back, I talked to another personnel who confirmed that I do have a deposit. I have been lied to by several of the bank employees. I have gotten three or more different answers for the same question. The employee refused to give me her name, or her ID number which I have gotten from several employees that I spoke to previously.
Product: Debt collection

On XX/XX/2020 Midland Credit management added a derogatory mark on my credit report per XXXX XXXX which was sold/transferred to them by XXXX XXXX XXXX. I am no longer responsible for this account. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. according to FCRA, Midland Credit has violated my rights as a consumer and I am requesting legal action to remove the account immediately.