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

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX XXXXXXXX - XX/XX/2023 Last 4 digit SSN : XXXX
Product: Debt collection

Received call from person who simply stated their name was ( ******* ) and asked if they were speaking with XXXX XXXX. 

I told them yes, who are you calling from? 

She then immediately read my physical home address to me in what amounted to an attempt to threaten me in a passive aggressive manner ( we know where you live, etc. ) It was only THEN she announced she was a debt collector and the line was being recorded, etc. 

I then informed her the debt was invalid as it was not something I was familiar with and told them not to call back. I have since blocked the number. 

I believe the order in which the call played out was illegal based on consumer debt laws, as well as the passive aggressiveness of presenting my physical address right off.
Product: Debt collection

XXXX XXXX XXXX, XXXX has obviously purchased several old credit card debits I owed from years ago and are using the law firm Blitt and Gaines , P.C . ( XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) to collect. They do not send any correspondence stating that they are trying to collect the debt and do not call. They simply send me a court summons. This has happened 3 times now, all during a pandemic while I'm furloughed from my job! The first time they were sending info to a wrong address prior to sending the summons. The second 2 went  straight to the summons. They refuse to work with you on payments, they threaten to garnish wages and call your employer and this last summons even includes an affidavit that has incorrect information on it! It's most likely not even mine and yet it went STRAIGHT to court! They have upwards of 50 people waiting for one lawyer on a given day and then he shows up 2 hours late while we all are missing work and we have to wait while he goes through each one of us. But if one of us had been late, they would have gotten a judgement AGAINST us ... no one would have waited 2 hours for us! I wasted 5 hours in court one day to have a case continued! I feel harrassed endlessly by these people and never know when they will show up again or what they will do. They violate the FDCPA and the judges seem to side with them and protect them because they are " lawyers '' and they know them. I'm already having money issues due to COVID and paying on one of their collections and I feel like they are preying on me. I can't afford an attorney to go after them. I need it to stop.
Product: Credit reporting or other personal consumer reports

Dear Experian I am writing to formally dispute the handling of certain negative information on my credit report. After reviewing my records, I believe that your bureau failed to follow the proper legal procedures required under the Fair Credit Reporting Act ( FCRA ), specifically in relation to the reinvestigation and deletion of inaccurate or unverifiable information. 

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information on their credit report. This process mandates that you notify the data furnisher, verify the disputed information, and ensure compliance with all legal standards before maintaining or deleting any accounts. [ Account name : # XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX : # ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In this case, it appears that these steps were either not followed or not documented adequately, resulting in the improper deletion of negative information. This lack of compliance undermines my right to a fair and accurate credit report and constitutes a violation of federal law.

I am requesting that you : 1. Reopen a reinvestigation into the accounts in question.

2. Provide a detailed explanation of the process and evidence used to justify the initial deletion of the accounts.

3. Remove the disputed accounts permanently from my credit report if they can not be verified according to FCRA standards.

If these issues are not resolved promptly, I will have no choice but to pursue legal action to protect my rights under the FCRA. I trust that you will treat this matter with the urgency and thoroughness it requires.

Please respond in writing within 30 days of receiving this letter. I expect to see either confirmation of the requested changes or a detailed explanation of your findings. 

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

Sincerely, XXXX XXXX Enclosures : - Copy of Credit Report ( highlighting disputed accounts ) - Any Supporting Documentation Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, STATED stated in the previous complaint, ( XXXX XXXX XXXX purchased the XXXX XXXXXXXX XXXX  ( XXXX ), XXXX. ( " XXXX XXXX '' ) MasterCard credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/2021 ). 
First off, I never gave XXXX XXXX XXXX written consent nor authorization to purchase my non-public personal information associated with the XXXX XXXX account. Neither, did I give XXXX XXXX permissible purpose to furnish this account to the consumer reporting agencies. During this obvious transaction that was done unethically, I was an uninformed consumer. You have defamed my character, and have affected my livelihood and reputation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX  XXXX balanced {$260000.00} XXXX XXXX balanced {$10000.00} XXXX XXXX balanced {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2020 I sold a home and the mortgage secured by the property was paid in full by XXXX XXXX, 2020. The lender is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Arkansas XXXX ( XXXX ) XXXX. The mortgage note was for {$340000.00}. The lender removed the mortgage from my credit report on XXXX XXXX, 2020, which was correct. On XXXX XXXX, 2020 the lender added the mortgage back to my credit report which is not accurate ; I called them and to dispute this and they removed it again from my credit report within 24 hours. On XXXX XXXX, 2020, the lender added the debt, again, to my credit report. I attempted to contact them to correct this situation and it has not been resolved. 

I want them to stop adding this to my credit report.
Product: Credit reporting or other personal consumer reports

THIS INFORMATION IS INCORRECT. ELIMINATE XXXX Balance : XXXX XXXX XXXX XXXX  Balance : 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

At the end of year XXXX I did summit a dispute to reinvestigate with the XXXX credit bureaus about incorrect information on my credit report from company XXXX XXXX XXXX, account # XXXX. I inform them about discrepancy between the XXXX credit bureaus, for example on XX/XX/XXXX Transunion report XXXX XXXX, XXXX on XXXX and XXXX on time. XXXX report account on time on months XXXX, XXXX and XXXX when XXXX and Transunion reported as closed on XXXX, they return the dispute as verified stating that " the account meets requirement of the Fair Credit Reporting Act. '' The account has errors in the payments history and does not match if is compared between XXXX credit bureaus so the account " does not meet the requirement of the Fair Credit Reporting Act ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I recently checked my credit report and noticed I had some unknown inquiries that I did not recognize! I will list them 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank, XXXX XXXX XXXX XXXX XXXX, reports a credit card to Experian but Experian is not including it in my credit report. This lowers my credit score because of 'few credit cards '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I ordered a TV from XXXX website. The TV came out defective and a replacement was requested which would take about XXXX weeks to arrive. A week after the replacement was approved, I went on the XXXX website and realized I can order the same TV for a cheaper price that would arrive before the approved replacement. I canceled the replacement and placed a brand new order and I returned the original defective TV to XXXX. a XXXX party company, pilot delivers, picked up the defective TV on XX/XX/2022 and it was delivered to XXXX facility on XX/XX/2022 and it was signed by XXXX XXXX Since then, amazon has not issued my refund and they claim according to their records the tv was never returned. I opened a dispute with my Discover credit card company, which after XXXX  months came out on XXXX 's favor. Before opening a dispute, I have tried to resolve the issue with XXXX but they would hang up the phone every single time after telling me they do not have their TV. The full order number is XXXX placed on XX/XX/XXXX, XXXX the website to track the returned TV is pilotdelivers.com and the shipment number is XXXX and the zipcode is XXXX. I have tried to get this issue resolved with XXXX throughout the months and I have called at least XXXX times in regards to this issue and every time their resolutions department hung up the phone without helping me. After going back and forth between discover credit card and XXXX in regards to this issue, both parties advice me to contact the other party to resolve my issue. XXXX states that disbute has been closed and refund has been issued to my credit card, and my Discover credit card states that dispute has been closed and the purchase is authorized therefore the temporary credit was charged back on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX bank account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. I also disputed incorrect personal information listed on my report and included a copy of my photo ID, social security card, and proof of address to help TransUnion verify my identity and address. 
I received a response from TransUnion dated XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' Please be advised, this is now the third time I have received the same exact response from TransUnion. This is extremely frustrating and concerning, as it appears TransUnion refuses to accept my dispute letters without providing any actual explanation as to why they believe I am not the one submitting my own dispute. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It seems that TransUnion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as they are required to do under the FCRA. 
I am including a copy of my dispute letter sent to TransUnion, along with their response, as proof.
Product: Credit card

On XXXX  my card was used by a merchant for an authorized charge- they had my card details ( on file ) but were not authorized to make the charge for an order that the merchant claimed had been cancelled. I had noticed a pending order on my XXXX account that was at a higher price than was specified in a contract with them, and contacted the merchant to cancel the order. Their agent told me that he had successfully cancelled the order. However, I did not receive a cancellation email. I checked my CapitalOne account and found that they had indeed charged me card although I had been the order had been cancelled by the merchant. I contact the merchant ( XXXX ) but they told me that last agent I spoke with had lied about the cancellation and he had not placed a cancellation request. However, XXXX said " they could nothing '' since the item been shipped in the intervening period when the cancellation was supposed to have been cancelled and my CapitalOne Venture card had been charged. Its such a betrayal, to have to deal with a company that lies to its customers. I reported the unauthorized charge to Capital One, concerned that the merchant had access to my credit card number and was using it for purchases I didn't authorize, but the CapitalOne agent didn't offer to place a hold on the card or to stop the card from being used by the merchant. He wanted to wait a few days " to see what would happen ''. I'm pretty much left to deal with this on my own. Capital One charges a great deal of interest on its cards, and for it not offer any fraud protection is ridiculous. Rather than ask to speak to the Capital One agent 's manager, which is what I may have done, I wanted to hold this agent responsible for his decision. I asked if he knew which govt agency regulated the credit card business of Capital One because I wanted to file a complaint, but he said " uhhhhhh '' and then ignored the question. I asked if he could ask someone if he didn't know and again, he said " uhhhh '' and then ignored the question. So hopefully the CFPB can help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing that the following accounts are charged off every month since XXXX. Some of the account show charged off and closed and late all at the same time. XXXX will not allow me to file a new complaint with them and they have the incorrect information. I have requested the information they have be verified by me by having it sent and nothing was sent. They should not be in business : XXXX XXXX XXXX ; charged off ONE TIME in XX/XX/XXXX. I spoke to XXXX XXXX XXXX on XX/XX/XXXX and they verified it was charged off in XXXX and not been reported late or charged off since. XXXX is saying its charged off XXXX. 

XXXX XXXX XXXX ( 2 ) ; charged off XXXX. The cares were given back to the company in XXXX XXXX bankruptcy and should be reporting charge off in XXXX but XXXX has it showing charged off in XXXX XXXX ; charged off in XXXX XXXX is showing charged off in XXXX this was included in XXXX XXXXXXXX  bankruptcy. 

I want XXXX to supply ME AND I DEMAND IT the information that matched what they are reporting, what a pile of XXXX credit agency. I could lose my job over this incorrect reporting. This is holding up a loan originator license and Im losing business because of the inaccurate data on XXXX.
Product: Debt collection

This account with credit acceptance Corp is inaccurate and completely reporting the wrong amounts 15 U.S. Code 1681i Paragraph 5 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}.
Product: Prepaid card

I was the sole caregiver for my mother for a number of years before her recent passing. I am also the power of attorney. I took care of all of her personal business including paying her utility bills. In XX/XX/2023, she had to be admitted to a XXXX XXXX and XXXX XXXX, where she passed in XX/XX/2023. In XXXX, I had the utilities disconnected at her apartment and out of her name. She was not able to return to her home. One was the XXXXXXXX XXXX bill. I knew there would be a refund coming. The cable company did send the refund in the form of a debit card for {$160.00} that could only be used for purchasing store items. The card was in her name. There was also an option to receive a paper check. On XX/XX/2023, I contacted the company ( Prepaid Digital Solutions ) that issued the card for the cable company. I explained that my mother had passed. I told them that I was her son and XXXX. They requested that I send a copy of the death certificate and POA papers. I did so on XXXX XXXX. Prepaid Digital Solutions said that the paper check would be sent in my name and to my mailing address. I have not received the check or any further information from them. I should be getting the refund, but instead getting the run around with this company.
Product: Debt collection

Hello, I received an email from XXXX about a change on my credit file. I logged in and saw that there was an account sent to collections to CREDENCE RESOURCE MANAGEMENT for {$1000.00}. It says it was opened on XX/XX/2022 and that the original creditor is XXXX. 

I have never had an XXXX XXXX XXXX account. I believe someone stole my identity and opened this line of credit using it. I have spoken with XXXX and initiated an identity theft dispute and am awaiting review.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELIVERED ON XX/XX/22 VIA CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX this correspondence reminded Experian of their duty to correct report consumer credit. how they were in violation of FCRA 616 & 617 and how the companies that are listed are not providing contracts but are allowed to continue their predatory debt collection actions by reporting information on my credit report.

15 USC 1692 ( d ) ( 1 ) puts emphasis on consumer credit and debt collectors, should they ever step in their attempts to collect a debt.

to further remind this consumer reporting agency that for each unverified account lies a {$1000.00} violation. 
companies have until this day, have yet to provide a lawful contract. 
according to the FCRA any letter that is sent and unanswered is a result a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out certified over 35 days and have been notified. I feel like these guys are taking advantage of regular people. After recently reviewing my credit report I noticed several inconsistencies regarding the accounts information attached. I sent a second letter to the bureaus after 30 days because I haven't received and documentation.