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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian XXXX trenching you have different information about me Experian and XXXX was just sued for inaccurate data. I feel like I was a victim of identity, theft, and my information exposed. due to section 15 USC 1581
Product: Debt collection

I contacted National Credit Systems due to a credit alert in my XXXX XXXX XXXX. They claim to have sent me information to dispute the account. I did not receive anything and could not contact the person handling my file until I had cleared things out with XXXX. Now they are impacting my XXXX  credit report.
Product: Debt collection

On XX/XX/XXXX, I received a voicemail on my home phone with only a phone number to call back. I researched the phone number to XXXX XXXX so I sent them a validation letter on XX/XX/XXXX. I received their " verification '' letter on XX/XX/XXXX. It was dated XX/XX/XXXX and stated that the debt was valid and attached verification of the debt. The attached verification shows a forwarded balance, my name, and an account number. I remember disputing this alleged XXXX debt back on XX/XX/XXXX, but it was with a different company, XXXX XXXX XXXX. I have my credit reports from XX/XX/XXXX in which I marked when I disputed it on XX/XX/XXXX. Then I have another credit report where I marked it that it was removed on XX/XX/XXXX. I have an XX/XX/XXXX XXXX report and that account is no longer on there, as it was removed in XX/XX/XXXX. When the alleged debt was on my XX/XX/XXXX credit report, it showed that the " account is scheduled to continue on record until XX/XX/XXXX. ''
Product: Credit card

XXXX charges to XXXX. XXXX. {$72.00} and {$95.00}. I never shop at XXXX. These are absolutely not me. Their Dispute resolution department will not reimburse for fraud. They claim b/c its chip enabled no one could be using a duplicate. Their dispute resolution department is incompetent. Theyre way behind the scammers who often go through peoples XXXX. This is absolutely not my charge
Product: Debt collection

I am a consumer, a natural person. My rights have been repeatedly violated by Portfolio Recovery XXXX, XXXX. I have been HARRASED REPEATEDLY by THEM especially after filing a CFPB complaint. I do not owe the alleged debt! I have sent them repeated letters and was even summons to court on XX/XX/XXXX which I attended. I told them that I do not owe the alleged debt to Lawyer XXXX XXXX who WAS Not cooperative at all and I was given another date to appear in court for XX/XX/XXXX. On XX/XX/XXXX I received a letter from their XXXX Department stating that I did NOT APPEAR in court which is not TRUE which is a violation of U.S Code 1692e ( 10 ) this is a deceptive means to collect the alleged debt and a violation of 15 U.S. Code 1692e ( 5 ) they can not threaten me telling me I am in default when I was in court on XX/XX/XXXX! I am attaching both documents. THIS IS HARASSMENT according to 15 U.S. Code 1692d! 
This company has caused me nothing BUT Stress and has made me ILL. I have an XX/XX/XXXXXXXX and as a result of this abuse and unfair practices, I have had to get on medication after years of not being on any. 
Further, more I am alleging that the attorneys at Portfolio Recovery all private lawyers pursuant to 28 USC 3002 1 ( B ), I do not believe they are even authorized in accordance with section 3718 of Title 31 to conduct litigation for the collection of debts on behalf of the United States. If they are, I need them PROVE IT! 
I had to create a separate report because there is no option to add information for an existing case.
Product: Credit reporting or other personal consumer reports

I have tried numerous times over past year and 3 tines this week to access my equifax free credit report. I done it thru their site and XXXX  site. I've had absolutely no issues with XXXX  or XXXX. Equifsx site continues to say csnt access at this time when click on report that is apparently there to be opened. I have searched the web for reasons and this is rampant and a major issue for alot of people. I've tried to call them and waited for excessive amounts if time. To be quided away from an agent and even confirmed thru their automated system who I was with ssn. Security questions. Then sends to agent finally that is not in this country and has accent from that of nation that is constantly investigating as scamming people She wanted my ssn which I declined and ask for her to send an email to their i.t and supervisor of site issues amd that it's also a major issues for many many people. This is equifax only that does this and need investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report 2.Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Today, I discovered a new inquiry from a XXXX XXXX  that I did not authorize or initiate. This discovery has led me to file an Identity Theft Report to protect myself against further damage. 

Regrettably, I am deeply disappointed with the lack of urgency displayed by the XXXX major consumer reporting agencies ( TransUnion, XXXX XXXX XXXX ) in addressing my previous correspondence about discrepancies found within my credit reports over the last few months. These agencies failure to comply with the Fair Credit Reporting Act ( FCRA ) guidelines has resulted in continued reporting of derogatory information that does not belong to me and are so inaccurate. I have sent them screenshot of the inconsistency of their reported data and until now, NO changes has been made, the invalid accounts are still there, which are supposedly long been removed and deleted.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX This loan been in consilidation but it shows a closed account. Can this item please be removed.

15 U.S 1692c If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer with respect to such dept.
Product: Mortgage

My XXXX XXXX Mortgage was sold to Carrington Mortgage. The Last Last Report Date from XXXX XXXX to the Credit Bureaus was XXXX XXXX. Carrington reported to the Credit Bureaus on XX/XX/XXXX, showing that I was Currently 120 Days Past Due, and my last late payment was XX/XX/XXXX. This information is incorrect. The Loan is not past due. The Information that Carrington is reporting as current is the information as of XX/XX/XXXX. I am unable to apply for a Mortgage Loan due to the reporting of inaccurate information from Carrington Mortgage. 


**NOTE : I am one of 2 borrowers on this Loan. One Borrower filed Bankruptcy. That Borrower included this Mortgage Loan in his Bankruptcy Filing. I did not file Bankruptcy.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report that I believe does not comply with the provisions under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b, which governs the accuracy and completeness of the information reported. 

Account Name/Issuer : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Account Name/Issuer : XXXX XXXX XXXX/ Account Number XXXX XXXX Account Name/Issuer : XXXX XXXX  / Account Number : XXXX Account Name/Issuer : XXXX  XXXX XXXX  XXXX  / Account Number : XXXX Account Name/Issuer : XXXX  / Account Number : XXXX  As per Section 1681b of the FCRA, I am entitled to dispute information on my credit report that is not verified as accurate. 

I request that you thoroughly investigate this charge-off and confirm its accuracy. If you are unable to verify the charge-off or provide adequate documentation supporting the validity of this debt, I kindly request that you remove this charge-off from my credit report. The information listed is affecting my creditworthiness, and under the FCRA, you are required to ensure that all information provided to me is accurate and verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fortiva had my correct address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They decided to change it this month to a false address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is false. 

They credit agency and irs contacted me to notify me of what they did.
Product: Credit reporting or other personal consumer reports

Bankruptcy XXXX Case number XXXX XXXX RE : Results of Reinvestigation I recently contacted XXXX @ XXXX  XXXX  XXXX XXXX ) regarding information associated to to my file. In accordance the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 es seq. ), XXXX filed my dispute regarding the following data with the listed entity. 

Dispute date : XX/XX/2023 Dispute Filed with : Equifax As of the date of this letter, the Disputed information was removed from my file at XXXX. Please note when information is removed from my consumer reports provided by XXXX as a result of a dispute or request, that change is only applicable to the reports generated by XXXX. XXXX have Disputed this information on XX/XX/2023 on my behalf with the Credit Bureau listed below, but have not received a response from it.
Product: Credit reporting or other personal consumer reports

I am rewriting the complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the XXXX going through it, unfortunately I was robbed at knifepoint while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, XXXX  I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts somehow reporting late and I think this is wrong see letter attached
Product: Credit reporting, credit repair services, 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 U.S.C 1681 XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX {$8600.00} XXXX XXXX XXXX {$58.00} has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A 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 or information. Any other adverse item of information, other than records of convictions of crimes which anedates 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

Kindly delete this incorrect account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax in XX/XX/XXXX because a bogus collection account for XXXX XXXX XXXX was being reported on my credit report. The dispute came back and the account was removed from my credit report until today XX/XX/XXXX the account has be added back to my credit report. This account is not mine.
Product: Debt collection

BEEN Disputing these accounts for REMOVAL over one year. CFBP.been involved for quite some ttime .to get these accounts .to BE REMOVED .which has effects my credit scores RATING? FOUND these Companies isn't following Fair. Report act? Such as name dates. On these accounts. Money statements is owed not collect. is also reporting incorrectly DATES .I Have went OVER beyond .trying have these accounts REMOVED ..to increase scores .some is still. showing Some.has BEEN REMOVED on .MOST ALL Companies has. Been contacted. FROM. internal revenue regarding. These. Accounts complaints Federal trade commission investigating. Noticed l have also going over beyond. To have these accounts REMOVED.l TRIED ATTACHED. FRAUD .ALERT .iNCLUD POLICE REPORTS FOUND. Notice still. Notice no changes. Done .With CREDIT SCORES. INCREASED Notice it continues staying same RANGE.? question GLITCH SOMEWHERE SOFTWARE? Again l Have attracted these companies. Including police reports Supporting documents helps with these companies names down below. AGAIN NOTICE SOME ACCOUNTS HAS BEEN REMOVED.CONTINUE SEEIN NO CHANGES. ANYWHERE. CREDIT.SCORES .MY CREIT CARD PAYED. OFF. ALL. BiLLS ATTACKED ALL PAYED ON TIME. XXXX XXXX XXXX XXXX XXXX XXXX  FORREMOVAL THESE ACCOUNTS THESE ACCOUNTS ATTACK
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted EQUIFAX several times in attempt to remove incorrect and inaccurate information on my consumer file. I have been harmed from there improper use of my consumer report by reporting and sharing my non public information without my consent. I have a late payment on showing on my consumer from XX/XX/XXXX that is incorrect. I have reached out to XXXX XXXX to have them update the information and they sent me a letter per the CFPB apologizing and stating that they would update the information with the CRA 's. However EQUIFAX has not updated my consumer file and is reporting incorrect and inaccurate information which is causing me harm to my character and reputation which is a direct violation of Federal law states pursuant to 15 USC 1681 ( a ) ( 1 ) and 15 USC 1681 ( a ) ( 2 ). EQUIFAX is deliberately breaking the law and reporting information on my credit worthiness that is not accurate. I have attached a copy of the letter that was sent to me from XXXX XXXX stating that they have updated the information dated on XX/XX/XXXX. This inaccurate information being reported is preventing me from using my credit to get approved for financing for a much needed medical procedure. This is unfair and causing me the consumer harm which makes EQUIFAX not be in compliance with federal law.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found a late payment on the date below : XXXX 2016 I am not sure how this happened. I believe that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
Product: Debt collection

On XX/XX/XXXX I entered into a settlement with Syncrony Bank for Ashley Furniture credit card for a settlement. The payments were to be {$180.00} for XXXX, XXXX, and XXXX. They never took payment for XXXX. So I called XX/XX/XXXX to find out why. They said they canceled the payment and couldn't tell me why. I spoke to XXXX @ XXXX. She said I no longer have a settlement agreement due to that payment not being received. I had the money in my bank waiting to clear. She then told me to contact ther credit counseling agency for help. Advised her at that time to cancel any other pending payments for XXXX and XXXX which they said would do. 2 weeks later they reported to credit account was charged off. 
XX/XX/XXXX they took {$180.00} from my bank account. Called to find out why if it was canceled for the settlement and charged off. They advised rep on XX/XX/XXXX didn't cancel the payment and I have to wait 72 hrs to request a refund and they can send me back a check. This is the most horrible collection process that I have ever came across. I have worked with the FDCPA all my life. This is so wrong by every stretch of the imagination. I want this account completely cleared from my credit as they broke every consumer right with me. I never gave permission to continue any payments and if they charged it off than why would the payments continue. They can't answer that other than saying it's still a debt. Ummm no it's not, you charged it off!!!! Now I have to fight for my funds back that illegally were taken without my authorization. Syncrony Bank is a joke and have reps you can't even understand. I have another account with them and if they do this account the same way we will have a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous CFPB complaint regarding a negative credit bureau reporting ( Complaint # XXXX ). The company recently responded denying any wrongdoing in the matter that was presented. While I have received that information, I do not agree with it and have made 3 previous attempts for further investigation into this matter. In addition to the fact that my account was only 29 DPD, and I received a negative 30 day reporting, I spoke to an Ally supervisor on Monday, XX/XX/XXXX which was 3 days before the payment was made to ensure I was receiving correct information. My first call was on Saturday XX/XX/XXXX where a representative was unable to give me clear and accurate information on if I would definitely avoid a XXXX by paying on XX/XX/23. I followed up on the XXXX with another and spoke to a supervisor who assured me that as long as the payment was made before XXXX EST on the XXXX, I would avoid a XXXX. I proceeded to cancel my payment that was scheduled on XXXX, and completed it on the XXXX. I have requested on 3 separate occasions that Ally review the recorded conversation with the supervisor to see that I was clearly given incorrect information. Each time I am told to wait 3-5 days and someone will follow-up but that has yet to happen. On the second attempt of requesting the call to be reviewed, I was told there is no record of a conversation. I have attached a copy of my phone records showing a 25 min call to Ally 's number. At this time I am demanding that Ally locate and review the recorded call from XX/XX/23 where a supervisor advised me of misinformation regarding when I could pay. As a result of that call, I am therefore demanding that the 30 day XXXX be removed from my credit file.
Product: Bank account or service

{$3000.00} worth of CD 's purchased at Bank of America in 2005. We have the certificates and the receipt showing the transaction. BOA now says they ca n't redeem them because they purge their records, and this money must have been sent as Abandoned Property to the state of Florida. Contacted the fltreasurehunt.org, both online and by phone. They have nothing under either our son 's name or mine ( custodian, as son was a minor ). Called the FDIC, who instructed me to contact you. NOTE : When he turned XXXX, XXXX legally changed his name to XXXX XXXX XXXX. We searched the florida abandoned property under both names, as well as mine.