23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

submitted a dispute to Equifax directly regarding account # XXXX for Audit and Adjustment. This was a collection account that we disputed, found to be correct, and then paid the account in full. There is a XXXX balance. Remarks state that " consumer disputes this account '' and we are now trying to buy a house. The credit report can not have any accounts currently disputed when getting approved. Therefore we have disputed the account remarks and just recently called them to ask them personally to remove the " consumer disputes account '' under remarks because we no longer dispute it and we paid it in full. Audit and adjustment says they can not remove that remark under comments section.
Product: Credit reporting or other personal consumer reports

Earlies this year, I requrested the removal of name aliases in my credit file. Experian did remove the aliases. However, they keep adding these aliases to my credit profile. Additionally, when I tried to contact them via telephone, there was no way I was able to contact a live agent to have the wrong information removed. 

At the time when I tried calling, The only number available in my credit file was a land line which is not capable of receiving text messages. Because of this, I was not able to access my online account with this company for months until I was able to fix my access. 

On top of this, I have also requested the removal of several hard inquiries made in my credit file during the months of XXXX and XXXX. These inquiries were not authorized nor requested by me and are possibly the result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Your entity must remove this unauthorized inquiry and provide a written response to my address. Please see attachments below.
Product: Credit reporting or other personal consumer reports

No response received via mail. The outcome was that my credit report was updated as verified. The information in fact was not verified nor was I provided the proof I requested.
Product: Credit reporting or other personal consumer reports

I formally request for the removal of the following fraudulent items. The three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I assume that they rectify these violations and provide me with an accurate and updated credit report immediately. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. With that, I am expecting for your assistance to delete or remove these fraudulent items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}.
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I moved out of " XXXX XXXX XXXX XXXX '' in XXXX of 2023, they never notified my guarantor of move out charges against me. Their description of the charges was vague and the pictures they provided as proof were so low quality that you could barely see what was in the pictures at all. My father ( the guarantor ) and I have filed a complaint with the NC DOJ against " XXXX XXXX XXXX XXXXXXXX '' due to predatory practices which are well documented from other former residents in their reviews. My father nor I are able to be accepted into apartments now due to these charges. We need this " collections '' mark on my credit to be removed.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX BALANCED {$1200.00} XXXX XXXX XXXX XXXX BALANCED {$95.00} XXXX  XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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.

EQUIFAX 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! 


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

Dear PayPal Support Team, I am writing this complaint to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed on my account by mistake and that I have not violated any PayPal policy. 

As a loyal PayPal customer for many years, I have always used my account in accordance with PayPal 's policies and regulations. Therefore, I was shocked to learn that my account had been permanently limited. 

I would like to kindly request that PayPal re-investigates my case and restores my account if possible. I am confident that upon further investigation, PayPal will find that my account has been unjustly limited. 

Furthermore, I would like to emphasize that the email address on my PayPal account is XXXX. I kindly ask that PayPal communicates any updates or further information regarding this issue to this email address. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$27000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$330.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Long story short my phone was unlocked a guy had sent himself XXXX XXXX Around XX/XX/year>. The bank claimed to decline my case because it had came off my phone and looked like I had authorized the transaction. OBVIOUSLY if the guy had my phone its going to look like it came from me. They had Absolutely no evidence except using the transaction that I made on my phone in the past because it is my phone. Its frustrating because I made the claim telling them it was an unauthorized charge of someone sending themselves money on my phone. And there going to say it was authorized because it was on my phone. Make it make sense.
Product: Debt collection

This is a complaint about Paypal Credit. Their collections have been calling me for months saying that I have an outstanding debt. I have repeatedly told them that I do not. I finally pulled my credit to see if an account was actually opened fraudulently. My credit is clean. So yesterday when they called I told them what I had done and that I have no account with them. They said that they do not report those credit institutes. What kind of scam credit card company can be in business and not report to the credit institute? This can not and should not be legal. They need to be shut down.
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint to address an issue regarding late payment entries on my credit report. Upon reviewing my records, I discovered the presence of these late payment listings. However, despite sending correspondence more than 30 days ago concerning this matter, I have not received a response, and they have failed to provide satisfactory validation for these supposed late payments. I kindly request your assistance in resolving this issue promptly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted TransUnion to file a dispute on a collections agency that is fraud. TransUnion called back, but the call sounded fraud as the person asked for personal information and then hung up.
Product: Credit card

Capital One is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being 30 days past due as of XXXX 2014, XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Debt collection

On XXXX/XXXX/2016 a not safe cargo van was purchased from the Nissan Motor Acceptance Corporation. With it was purchased a Maintenance agreement. With resistance from the XXXX XXXX XXXX did a false cancellation request cancellation. Since we are being charged monthly for the cancelled Maintenance and receive numerous daily calls to our NO CALL number ( from XXXX to our XXXX number. We have filed complaints with XXXX XXXX XXXX XXXX ( # XXXX and # XXXX ) and the Federal Trade Commission ( # XXXX ). It appears that these agencies are protecting the Nissan Motor Acceptance Corporation.
Product: Credit card or prepaid card

I am very hurt that I contacted Discover Bank to let them know I had my unemployment the end of last year which is why I had troubles making payments. I have always been on time and keeping my credit card in good standards but Due to covid related reason I had trouble. When I contact discover for any solutions they had for me to continuning doing business. I was told that I enrolled into a special plan where i make {$97.00} as a payment plan and it wasnt going to be closed. Next thing I know Discover closed my account. I am very hurt in this time of the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a written and verbal dispute with both   XXXX   and Equifax several times throughout a year to investigate, update or remove from credit report regarding inaccurat e " Tax Lien '' repo rted on my credit report.     Both credit agency   XXXX   and Equifax has stated they have completed an investigation and reported the G A State Tax Lien is reported " Released Lien. '' As stated I submitted a letter of dispute based on inaccurate inf ormation on the both reports.     The dates the report was filed on :  XXXX   XXXX ,  2017  to Equifax file #  XXXX  - GA Departmen t of Revenue Tax Lien File :  #  XXXX  {$980.00} and #  XXXX  {$1700.00}  XXXX   XXXX ,  2017  to  XXXX  file #  XXXX  - GA Departmen t of Revenue Tax Lien File :  #  XXXX  {$980.00}
Product: Credit reporting or other personal consumer reports

I woke up to find incorrect accounts on my credit report, and Im completely baffled as to why this has happened. I check my credit report regularly, and this time, I saw errors that appeared out of the blue. I even tried refreshing my browser, thinking it might just be a glitch, but the incorrect accounts were still there. Im begging for the documents Ive sent to be reviewed carefully so I can finally stop worrying about this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against the credit agencies, XXXX, XXXX and Transunion. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, they failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to the collector themselves " XXXX XXXX XXXX '' Account # XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I 'm obligated to pay them anything. 
1. Identity of the original creditor.

2. A complete payment history.

3. Documentation that any collection fees were added pursuant to the original lending agreement.

4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them.

5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 
6. A verification or copy of any judgment, if applicable.

7. Proof that the Statute of Limitations has not expired on this account. 
8. Proof that you are licensed to collect in my state. 

They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b.
Product: Debt collection

This morning on XXXX I contacted by phone XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX to pay for a credit card debit of {$1000.00} that was sent to them for collections that stated XXXX XXXX XXXX current creditor original creditor XXXX XXXX XXXX that was owed on my credit card XXXX XXXX that was delinquent on XXXX the last payment charge-off date was XXXX and my last bill for collections was sent to me on XXXX I called them this morning and they that they had now sent it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX the phone number that XXXX XXXX XXXX  XXXX gave me to contact XXXX XXXX XXXX was XXXX and the woman I spoke with said her name was XXXX and was not allowed by the company to give out her last name I I told her I wanted to use my XXXX  Bank Debit to pay the {$1000.00} she explained to me that they could only process the payment with my bank account number and my routing number so I gave it to her thinking to myself that this should be a red flag and I went ahead and gave it to her and she processed my payment and sent a confirmation email to me with a confirmation number with a note at the bottom stating it could take up to 3 days to process. I then called my banks fraud prevention and they told me to keep an eye on my account and that it was likely legitimate. 
NOW I Will Explain WHY I AM CONTACTING YOU. 
After my payment was processed the woman on the phone who said her name was XXXX explained to me that there was another credit card debt with a outstanding Citi Bank XXXX charge of {$24000.00} under my social security number in collections under the name of XXXX XXXX who I believe his real name is XXXX XXXX on XX/XX/XXXX and in XX/XX/XXXX the card was issued. I used to have a XXXX XXXX XXXX XXXX, Ca ( which is a very small town in XXXX California. ) and the previous person who had my po box was someone by the name of XXXX XXXX and around XXXX he tried to follow me on the social media app XXXX XXXX under the name XXXX XXXX. In XXXX while I was working for XXXX XXXX XXXX XXXX in XXXX California he also had a charge account with an outstanding bill and he wanted to put a small XXXX generator on his account but the cashier could not let him do this since his account was already overdue then the head manager XXXX XXXX authorized and let him proceed with the charge to his account this is how I think I know who this person really is I think XXXX XXXX is definitely really XXXX XXXX and while I lived in XXXX California he managed to obtain and use my social security card to get himself issued a credit card.
Product: Credit reporting or other personal consumer reports

I am reaching out to contest the presence of a credit account linked to XXXX XXXX XXXX XXXX # : XXXX within my credit report. My involvement with this account was solely as an authorized user, and I did not grant permission for its inclusion in my credit history. This non-consensual reporting contradicts the provisions outlined in 15 USC 1681 Section 602 ( a ) and 5 USC 1681 Section 602 ( a ) ( 2 ). 

I am formally requesting the immediate removal of this unauthorized account from my credit report. Its presence is having a detrimental impact on my creditworthiness, hindering my ability to explore financial opportunities. 


Sincerely, XXXX XXXX
Product: Mortgage

I presently live and own a home in XXXX Florida and Wells Fargo ( WF ) holds the mortgage on this home. In XX/XX/2020, in preparation for the sale of my prior home which was located in XXXX Florida, I engaged WF staff to assist me in applying proceeds from the sale to recast my present loan. WF representatives did not correctly post my principal payment and though I have followed the instructions of the WF staff, explicitly, I find myself, now, in a position that I have been erroneously charged late fees, erroneously reported to credit bureaus for missed or late payment and still have not received written confirmation of the loan recast. I have neither missed a mortgage payment nor been late in making a payment. I have been diligent in documenting my communication with WF staff and following the directions of WF staff and have found that I must consistently re-initiate action and follow through to confirm actions are being taken by WF to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clearly XXXX did not throughly review any complaint I have filed because the credit reports are supposed to match all 3 buearus XXXX saw the errors and immediately deleted I have provided proof below
Product: Credit card

I never applied for the credit card. I opened up my credit report and seen the inquiry.
Product: Checking or savings account

Funds get frozze up. Its been XXXX month by now. 
We deposit some checks on XXXX and cant verify providers. 
We brought provider inside bank. and dont talk to him, at all, nobody help me The bank said they cant verify with his system and they dont give my money. Each check have the phone number and information but they cant do it anything if his system not accepted the info
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 rights 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. 

On XX/XX/2022 a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a XXXX dollar credit card was used and left a XXXX dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.