23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX  is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts Southwest Recovery Services Plus XXXX or XXXX XXXX XXXX I want all collection accounts deleted asap! they do not belong to me and Ive provided this company proof over 3 times. they should provide proof of evidence of Me in actual person signing the legal contract of the debt owed. they have no recorded phone call or inperson transaction of me opening this account. if they can not provide proof this account should be deleted I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have sent multiple letters to the credit reporting agencies XXXX and TransUnion for the past year due to fraud repair and they fail to verify, correct, or remove these accounts. 

According to the law, which is protected by congress, 15 U.S.C. 1681i, which is a part of the Fair Credit Reporting Act ( FCRA ) states : ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also according to paragraph ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

This has been very frustrating over the past few years and I demand that they are immediately deleted from my report : XXXX XXXX XXXX and any others I have disputed in the past due to fraud. 

Thank you for your prompt attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am submitting this dispute on behalf of myself against Total Card Inc. The correspondence below has been received by Total Card Inc., via certified mail and their inability to cease reporting and delete said account from my consumer data files is the basis for this complaint. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use E-OSCAR software that does not complete thorough investigations and is in direct violation of FCRA 611 ( a ) ( 2 ) ( A-B ). I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in FCRA 623 ( b ) ( 1 ) ( A-E ). It is your responsibility as a data furnisher to adhere to the above federal regulation in regards to the reporting of such updated account info. I recently paid this account in full as part of a settlement with the collection agency XXXX XXXX XXXX, yet this account still reports as a charge off and shows erroneous and erratic/unknown reporting that I have attached to this complaint. This is a major violation of FCRA 623 ( a ) ( 1 ) ( A-B ) since the account can legally no longer be reported as a charge off as the account has been written off, and its status has been changed to paid. It is also Total Card Incs duty to correct and update this information under FCRA 623 ( a ) ( 2 ) ( A-B ). Please update the reporting of this item as paid and remove any further charge off reporting. If this change is not seen on my consumer data files and if youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by FCRA 623 ( b ) ( 1 ) ( E ) ( ii ), to advise the credit reporting agencies, XXXX XXXX, and XXXX  and all other secondary credit reporting agencies to delete this negative information from my credit reports, which can also include complete removal of the account. See attachments. 

Failure to adhere to my request would make me, XXXX XXXX XXXX, due compensatory damages pursuant to FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] & 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]. All correspondence should be sent to my attention at the above address. 


Account identifiers : XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

In XXXX of 2024 I noticed a collection of {$250.00} on my credit report that was filed by Cain and Weiner I contacted the company and was informed the debt was from XXXX XXXX concerning a commercial policy I contacted XXXX XXXX  and was informed it was a mistake by their system ( I instructed them to take someone off of the policy Instead of taking him off they made a mistake and added him to policy The mistake was not caught until XXXX weeks later I was informed that this confused the system and generated a bill He should have been taken off but was added when he was already on policy When it was finally corrected I was told it confused the system ) The agent at XXXX told me sent it was already in collection there was nothing they could do She told me she was sorry that I got a bill and I should not have gotten it I contacted Cain and Weiner and told them what the agent informed me the situation They said I still had to pay in order to get it off my credit report
Product: Debt collection

Hello, I have been disputing the dept of education/nelnet duplicate account with the credit bureaus for a few years and they have updated my account to paying as agreed and that its open. These accounts names above aren't accurate and I don't know how these accounts got on my report. My state taxes have been held by the set off program for the past 2 years unjustly after my multiple attempts to resolve this debt by sending in my notarized dispute affidavit on XX/XX/2022 and I received no response. Being that I received no response to my dispute affidavit from XXXX XXXX, the information in my is counted as fact and I need the duplicate accounts on my credit report removed entirely and the hold lifted from my state taxes effective immediately.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX - Account # : XXXX Company Name : DEPTEDXXXX XXXX  Account # : XXXX Company Name : DEPTEDXXXX - Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to XXXX without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my personal credit report and found that an account with XXXX XXXX is listed as past due and 90 days late the account shows an account balance when in fact the account is not past due or holding a remaining balance as it was paid in full months ago
Product: Credit card

XXXX - XXXX charges for same amount from same merchant ( XXXX ) on same date - put in dispute and a conditional credit was issued. Dispute was closed and conditional credit reversed stating charge was valid. 
XXXX- XXXX shows same XXXX charges - reopened dispute. 
XXXX - Received letter from CitiBank that XXXX ' had been returned to XXXX XXXX XXXX and that I needed to contact XXXX XXXX 
XXXX - Contacted XXXX XXXX- XXXX responded via email that only XXXX charge is valid and to go back XXXX CitiBank to correct. 
XXXX - Citibank reopened dispute and now need to wait another XXXX business days. 
XXXX - Contacted CitiBank for an update and was told I still needed to wait but XXXX ( XXXX ) was sending an 'escalation ' to XXXX ' and provided an email address to send documentation showing there are XXXX charges still on my account and the email documentation from XXXX showing only XXXX charge is valid. Both documents were emailed and received. 
XXXX - Letter from CitiBank - " XXXX com charged your account only once '' for the disputed amount of {$1200.00}. However XXXX charges are still on the account. 
XXXX - Contacted CitiBank - XXXX - This is now the XXXX dispute about this charge. Asked if there was something I was missing and she confirmed the XXXX charges of {$1200.00} on XXXX are still on my account and that the documentation emailed had been received and clearly showed XXXX only authorized one charge. The dispute was to reopened and sent to the 'back office ' to review. Dispute XXXX. A complaint was to be opened on my behalf as well - Case ID # XXXX. 
XXXX - Citibank sent an " Account Update '' stating a copy of the statement was being mailed and that " we must honor any charge presented for payment. If a charge appears ... that was not authorized, please contact customer service. The statement sent is XXXX. 
XXXX - NOTHING MORE FROM CITIBANK AS OF TODAY
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 

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

I tried calling and kept getting hung up on. An account was opened based on my TransUnion and XXXX account, for XXXX XXXX XXXX. It reads I have a XXXX balance on a card with a XXXX limit. I have no recollection of this account. It reads it is a XXXX XXXX opened on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I SUBMITTED IDENTITY THEFT REPORT AND SUPPORTING DOCUMENTS AND STILL HAVE NOT HAD THE INFORMATION DELETED YET
Product: Debt collection

Over the course of a year and after several phone conversations and letters with Navy Federal Credit Union regarding a credit card card consumer credit transaction showing on my reports have refused to XXXX balance close and remove transaction. Per 15 usc 1692g Validation of debt is warranted I have requested the " original Creditor '', name and address and to Cease and desist collection activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company got a writ of garnishment against me for a debt that had been previously forgiven by XXXX XXXX in XXXXXXXX XXXX XXXX  They then garnished my sons account ( that has my name on it ) and seized federal XXXX  loan funds from the account. My wife contacted them at the advisement of my bank to let them know that they took money that was protected and they hung up on her, treated her like she was stupid and laughed at her. They not 1 time attempted to help me and continued to transfer her to their part time garnishment departments voicemail. My wife left multiple voicemails and emails some directly to XXXX XXXX himself and never received a response. The writ of garnishment gave instructions to contact them if I had concerns about money that was taken, but when contacting them, they do nothing but hang up, yell and play a transfer game. This is an ongoing issue with this company that has several past lawsuits against them and had to pay XXXX in settlements already. XXXX law firm needs closed and XXXX XXXX needs to be disbarred from the Mississippi bar association along with every attorney he sends to court on his behalf.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed some accounts on my credit report I have listed supporting documentation below. These are the accounts that need immediate removal XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was advised to make this complaint for the investigator to see XXXX and Equifax responses to me and Florida 's Attorney General office, and for both companies to respond back to CFPB. 

Both companies informed me that they were unable to verify the information and declined my request. It was advised that I include the successful outcomes of XXXX and other specialty credit reporting agencies that adhered to the law. Equifax and XXXX are the only agencies with which I am experiencing issues and delays. Despite being advised by CFPB to comply with the law in XX/XX/year>, it appears that both companies are still engaging in negligence. I have been denied housing since XX/XX/year>, and I am unable to rebuild my life successfully. The majority of my monthly income has been allocated to hotel expenses, which is further impeding my ability to achieve financial stability. 

The law clearly states that XXXX and Equifax can not question the validity of XXXX  documentation establishing that I'm a victim of XXXX XXXX which is attached to this complaint. I did not authorize the release of any of my information from healthcare facilities, nor will I ever authorize such release to a credit reporting agency. XXXX and Equifax continued dissemination of sensitive information has put my life in great danger because I believe that I can be found again due to their actions. They are attempting to verify information with anyone who answers the phone, and I do not know to the extent that they have gone to discredit my XXXX  situation. 

Due to me being homeless and not able to secure housing, my mental health has plummeted to an all-time low. XXXX and Equifax have subjected me to the same feeling of hopelessness and defeat that I once experienced while I was being XXXX.
Product: Checking or savings account

In XX/XX/XXXX and XX/XX/XXXX, I was the victim of various unauthorized and fraudulent charges to my checking account, including through XXXX XXXX XXXX XXXX XXXX XXXX I immediately disputed all charges with my bank and received provisional credits. The credits from the XXXX and XXXX charges were made final but my bank reversed the credits and denied my claims for the charges from XXXX and XXXX XXXX, {$490.00} and {$1400.00} respectively. For XXXX XXXX charges, they claim that I received a benefit, but this is incorrect and I don't understand how they concluded this. I never authorized the fraudulent transfer and the name of the person who received the funds ( XXXX XXXX ) is someone I do not know. For XXXX XXXX, they have given me XXXX explanation as to why they did not issue me a final credit. When I have repeatedly asked for more information via phone, the various bank representatives say they do not know. This is a very frustrating ordeal and very unfair to me. Clearly my account was compromised and yet the bank has refused to help me and I am left at a loss. I am a senior citizen on a limited income so this is particularly stressful to my well-being and ability to survive financially. I already tried to submit this complaint once ( XXXX ) but it was closed without a response because my legal aid attorney helped me file it and US Bank said they can't respond because she is not officially authorized on my account. I have not heard anything else from them. Therefore, I am submitting this again per CFPB instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd attempt to fix this issue and remove the fraudulent inquiries from my Equifax account. I have faxed them 2 times the FTC report and talked to them and they saying they haven't received the report. They verified their fax number. I have a current security freeze on my reports from all 3 bureaus.

Because of the Nationally Equifax Security Breach, I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I do not recognize these inquiries and did not authorize them. Please investigate these inquiries and provide me with any information you have about them. If you are unable to provide evidence that I authorized these inquiries, please remove them from my credit report. I am including the FTC reports. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My vechicle payments were applied to a loan for my previous vechicle, which I no longer owned. I had to figure out where the payments went on my own, and explain this to GM finiancial, since GM finiancial had introduced a new computer system, and had major problems. I have phone records and email correspondence proving that I was adamantly pursuing a solution. Once found, GM promised me that the descrepincy would not affect my credit score while they  mailed me checks back so that I could reapply the money to the correct account. Checks took over 30 days to get back, whick delayed my payment. I asked GM finiancial specifically about how this would affect my credit, and was assured the payment would be reported as on time, sine they had the payment to the wrong account would have been on time to the correct account. I would have made extra payments to avoid this damage on my credit report if GM finiancial gave me accurate information that I asked for. Customer service was absolutely unacceptable through all of this, and I had no problem overlooking it as long as my credit was not affected negatively. At no point in all of this could I stay in contact with the same representative, and the representative could not find previous notes for the situation on my account. Everytime I would call, I had to start from the beginning, explaining the situation to the representative.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 in 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. 

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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX/ XXXX  XXXX. XXXX XXXX. XXXX/XXXX  XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX