23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted this debt collector multiple times to dispute this. 

They have failed to verify this debt and remove off my credit report
Product: Debt collection

On this date XXXX XXXX  southwest credit systems open a collection. 

{$1800.00} that I own I have never signed any written documents saying that I own this to the collector. 

They are violating my right of the FCRA as a consumer. 

I do not know who they are and I have not written consent from my end. 

Also, they not verified that I own this debit to this alleged company. 

Please have this removed from my all the three credit bureau.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a complaint regarding fraudulent information listed on my ChexSystems report that remains unresolved despite my attempts to dispute it directly. This inaccurate information is harming my financial standing and is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The following fraudulent accounts are detailed in my report : XXXX XXXXXXXX XXXX Reported For : Suspected Fraud Activity Reported Address : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Date of Closure : XX/XX/XXXX Account Number : XXXX Closure Status : XXXX XXXX XXXX XXXX XXXXXXXX Reported For : Account Abuse Reported Address : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX of Closure : XX/XX/XXXX Account Number : XXXX Original Charge-Off Amount : {$420.00} Closure Status : Unpaid These accounts are fraudulent and were not opened or authorized by me. Under the FCRA, specifically : 15 U.S.C. 1681i : ChexSystems is required to conduct a reasonable investigation into disputed items. 
15 U.S.C. 1681c : Negative information older than seven years or unverifiable information must be removed.

15 U.S.C. 1681e ( b ) : ChexSystems is required to maintain accurate and complete information in consumer files. 
Despite my dispute, ChexSystems has failed to fulfill its legal obligations to investigate and correct this information. I am requesting CFPBs intervention to compel ChexSystems to : Remove the fraudulent accounts from my report immediately. 
Notify all parties who accessed my report of the corrections. 
I have attached my ChexSystems report for reference. Please let me know if additional information is needed to assist in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below and update or remove them immediately : 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

In accordance with the fair credit reporting act this creditor has violated my rights under 15 US C1681 section 2 602 stays I have the right to privacy 15 US C1681604 section to a consumer reporting agency can not furnish an account without my written notice 15 US C166B This debt was sold
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX several times about removing incorrect late payments reported to the credit agencies from the months of XX/XX/XXXX to XX/XX/XXXX. I have set up payment plans for these months and have paid off over $ XXXX XXXX of the cards balance. They even sent an email that says because of my payment history I am afforded the benefit of the total card allowance of XXXX. Yet, they report that I've paid late 4 months?
Product: Credit reporting

They will not respond to any of my disputes. 
" Legal Item '' XXXX for $ XXXX this was paid and closed. This is the same debt as the XXXX XXXX XXXX account for {$500.00} that now has a {$0.00} balance. Update this to a {$0.00} balance immediately, as can be verified with the XXXX XXXX XXXX / XXXX XXXX Courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters to Transunion and XXXX requesting that they properly verify and conduct a reasonable investigation of a collection account on my report. They have stated that it was verified, but I have not received anything that proves the account is mine or that it is complete and accurate. I also requested validation from the collection agency ( XXXX XXXX ), they  failed to properly validate the debt. 
I sent the same request to XXXX and they removed it because they could not properly verify the debt. I am requesting that the information be removed per the Fair Credit Reporting Act. If this is not removed I will pursue litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a collection on my credit report for a balance that has already been satisfied. claim was pd By XXXX XXXX XXXX in the State of Washington. I have attached information from office stating claim was pd along with phone number and claim number. 

Please see below : Debt collector : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$950.00}
Product: Credit reporting or other personal consumer reports

I want to address the erroneous listing of accounts marked as late payments on my credit report. Despite my long-standing history of consistently making responsible and timely payments as a loyal customer, these accounts are being inaccurately portrayed as delinquent. This misrepresentation is unacceptable and demands immediate correction.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PORTFOLIO RECOVERY would verify the debt. So I took it upon myself to ask PORTFOLIO RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Money transfer, virtual currency, or money service

A fake email from XXXX was sent to me saying I need to authorize in order to receive the money. Instead of receiving the money and selling the tickets I was scammed and taken {$300.00} from me. Chase bank did say it was a scam but they were not able to give me my money back. That person is out there scamming people and taking so much money. He cant get away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the attached credit report, Real Time Resolutions is claiming that the debt is an active trade line. In order to be an active trade line, ownership rights need to be proven per the FCRA 15 USC 1681. Based on the prior documentation issued by your firm, only servicing rights exist. The alleged debt on the credit report is also subject to foreclosure action from 2018, which means the debt should listed as charged off. Moreover, RTR never filed a claim on the foreclosure funds available post first lien claim. Such action makes the gross amount reported erroneous. Per the FCRA 15 USC1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. 
Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all credit trade line be eliminated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately!
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX  / Account # : - XXXX XXXX / Account # : - XXXX XXXX  / Account # : - XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX  / Account # : - XXXX INQURIES : XXXX  Commercial Banks XX/XX/XXXX XXXX Miscellaneous Banks XX/XX/XXXXXXXX XXXX  Miscellaneous Finance XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

Dear Transunion To Whom It May Concern : I was in the process of applying for new employment and housing and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number # XXXX Delete this account.
Product: Mortgage

My mortgage became delinquent starting XX/XX/XXXX. I applied for mortgage assistance from the servicer, Carrington Mortgage, LLC. On XX/XX/XXXX, I was informed by Carrington that a XXXX XXXX XXXX was the investor on my loan. Then, on XX/XX/XXXX, I was consequently informed that the investor of my loan was XXXX XXXX XXXX and that my request for assistance was denied due to 'investor/insurer targets ''. It is unclear as to whom exactly my " investor '' is. 
Because of this, I am forced to look for legal representation to file a civil complaint against Carrington Mortgage for negligent misrepresentation.
Product: Debt collection

I am receiving phone calls of harassment, profane, abusive, and vituperative language, threats of XXXX XXXX XXXX XXXX XXXX from Bonneville Collections Debt Collection Representatives for a debt of {$11.00}, XXXX from XXXX XXXX XXXX XXXX. The debt isnt my debt and is the result of identity theft. The Bonneville Collections debt collection account isnt my debt collection account. Bonneville Collections is in complete violation of the Fair Debt Collections Practices Act ( FDCPA ) whichs a violation of federal law.
Product: Credit card

Chase bank keeps freezing my credit after I pay for my credit card so, it will show that I have credit to use after I make a payment several days later and when I go to use it, it declines. Its so humiliating standing in stores and your they get the prompt that you dont have enough funds when you do. This happened 3 times each time I called them they released the funds. The third time which was today, I complained about how this keeps happening and that it should stop and they said they cant guarantee it wont happen again and they will release funds again but it was taking so much longer than usual!!!!!
Product: Debt collection

A certified letter was sent to Transfinancial Companies on XXXXXXXX ( United States Postal Services display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts & Violation of HIPPA. Transfinancial Companies has ignored the complaint, failed to respond and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX. See attatched document.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've contacted the company, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the accounts. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite my previous claim to Experian, I remain stuck. They are alleging that the documents I've provided are inadequate. It appears Experian is failing to fulfill its legal obligation to process the identity theft report eventhough the company already removed the accounts from the other bureaus.I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. 
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. 

Account XXXX : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Money transfer, virtual currency, or money service

Missing XXXX Binance.US says they returned XXXX back to my account on XXXX they did not. I want proof of the transaction. I have provided them with my bank statements to show that they never deposited the return deposit to my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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

I am writing to formally dispute the accuracy and validity of a debt collection entry on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). The entry in question pertains to account number [ Account Number ] and is associated with an alleged debt owed to [ Original Creditor 's Name ], reported by [ Debt Collector 's Name ].

Legal Grounds for Dispute : Violation of FCRA ( 15 U.S.C. 1681 ) : Under the FCRA, I am entitled to dispute inaccurate or incomplete information on my credit report. The debt collector, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has failed to provide adequate verification of this debt despite my formal request, which is a violation of my rights under the FCRA.

Violation of FDCPA ( 15 U.S.C. 1692g ) : According to the Fair Debt Collection Practices Act, I requested validation of this debt from XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX within 30 days of receiving their initial communication. They have not provided the required documentation to prove that the debt is valid and that they have the legal right to collect it. Therefore, they are prohibited from further collection activities, including reporting this debt to credit bureaus. 

Due to these violations, I demand the immediate removal of this unverified and potentially inaccurate debt collection entry from my credit report. Failure to do so constitutes willful non-compliance with federal laws protecting consumer rights.

Immediate Deletion : Remove the disputed debt collection entry from my credit report within the 30-day investigation period mandated by the FCRA.

Written Confirmation : Provide written confirmation of the deletion or the results of your investigation within 30 days. 

I expect prompt and thorough attention to this matter and look forward to your immediate confirmation of the removal of this erroneous entry from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a bankruptcy entry from my credit profile. After speaking with the U.S. Bankruptcy Court, I was informed that they do not report bankruptcy information to any credit bureaus. As such, the bankruptcy listed on my credit report appears to be an error.I have attached written confirmation from the U.S. Bankruptcy Court, which supports my claim. Additionally, I have included a copy of my identification and Social Security card for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I noticed on my XXXX Credit Report that there were information that is just inaccurate. The number is just way off what it needs to be, and it changes daily which is suspicious. I have addresses on accounts I never knew existed, and have never lived at. I have numbers on there that are not mine! These changes have been going on for a month, and have not stopped. I have tried reaching out to XXXX in order to investigate this, and put a stop to it via their website. I get a refusal from their customer support agent instead, saying that they do not handle such information and another party does. I have not authorized such sharing of information with another party! This is ridiculous! When I signed up on XXXX web site, I checked a box that tells me they respect my privacy. Being notified of that, now my information is exposed. I now have a 30 day late payment, 60 day late payment, other negatives that belong to someone else. This is a serious problem, and is improper. This is costing me ( {$600.00} ) a month just dealing with these inaccuracies on my credit report. 

Transunion has information that is not correct as well. Disputed this on the web site, only to get the same result. I received an auto reply from XXXX, and was told they are not receiving any more emails at the time, which I found highly confusing, because they are open and online a lot of the time, so I could not even get through to them. On my credit report, Transunion and XXXX information are certainly not the same as XXXX, and do not make sense. I am unauthorized on all three on the accounts, and having all this deceptive information is not okay. They are continuing to share my information, and they are continuing their deceptive practices. 

This is a violation of my right to privacy according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

I also did not give consent for my data to be shared, nor do I want it shared. According to 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
I attempted reaching out to all three credit places about this, XXXX, Transunion, and XXXX, only to receive no help. So I am writing to you about this. My credit report is attached for reference. This is damaging my credit, hurting my finances, and causing me stress.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank Account Name- XXXX Account Number- XXXX Account Name XXXX XXXX Account Number- XXXX Account Name- XXXX Account Number- XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Co Balance XX/XX/XXXX XX/XX/XXXX Amount {$700.00} XX/XX/XXXX Delinquent Classification INSURANCE THE ABOVE COMPANY WAS NOTIFIED OF THE ACCOUNT NOT BEING MINE AND USED IDENTITY THEFT, YET THE ACCOUNT WAS PREVIOUSLY REPORTED TO ME AS REMOVED DUE INCORRECT REPORTING AND WAS ASKED TO REMOVE IMMEDIATELY AFTER NOT FURNISHING THE PROPER DOCUMENTATION.
Product: Mortgage

Their website is not allowing mortgage payments and putting off paying my mortgage during my monthly bill paying process is a needless hassle, waste of time, and raises the risk of my missing a payment accidentally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiry on my credit report despite them contacting me and telling me that they could not work with me because I am a XXXX XXXX ( after I initially applied because I was assured that they could work with me because I am in a XXXX program ). This inquiry never should have made and is now unjustly a negative mark on my credit.