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

I am writing to formally request the removal of the collection account listed on my credit report under the account number XXXX XXXX. After reviewing my credit report, I discovered that this collection account is inaccurately reported, and I believe it should be removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

I am disputing the accuracy of this collection account based on the following grounds : Inaccuracy of Information ( FCRA Section 607 ) : The information provided in the collection account entry is inaccurate. I have no recollection or record of an account with the original creditor listed, nor have I received any correspondence or validation of this debt. 
Right to Dispute Inaccuracies ( FCRA Section 611 ) : As per the FCRA, consumers have the right to dispute inaccurate information on their credit reports directly with the consumer reporting agencies ( CRAs ). I have filed a dispute with the CRAs regarding this collection account, and I am concurrently disputing the accuracy of this account with your agency. 
Validation of Debt ( Fair Debt Collection Practices Act - FDCPA ) : Under the FDCPA, debt

collectors are required to provide verification of the debt upon the consumer 's request. I am requesting validation of this debt to ensure its accuracy and legitimacy. Statute of Limitations on Reporting ( FCRA Section 605 ) : If this debt is valid, it may be beyond the statute of limitations for reporting on my cre
dit report. I request validation of the date of first delinquency and adherence to the reporting guidelines outlined in the FCRA. 
I kindly request that you conduct a thorough investigation into this matter and provide validation of the debt as required by law. If you are unable to provide sufficient verification or if the information is found to be inaccurate, I request the immediate removal of this collection account from my credit report.
Product: Debt collection

There was no contract with Capio Partners. However theyve reported a collection for {$390.00} despite requesting {$270.00} then {$240.00} from me.
Product: Payday loan, title loan, or personal loan

This complaint is about the XXXX loan, second draw. I have had an application in with them since XX/XX/2021. I am a sole proprietorship with 5 other W-2 employees. The loan is to be under my SS #, payroll has an EIN #. My first draw was issued with my SS #, as it should be. 

I have submitted a complete application, and all necessary documents. I was sent docusign loan documents to complete onXX/XX/21. Once I completed them, I hadn't heard anything back. I called many times and they repeatedly told me everything is fine, that the loan is processing. About 10 calls in, a rep told me there was an error code from the XXXX and asked me to verify the number of employees I have. I told him 5. Then I started getting phone calls asking me to verify the number of employees I have, and I repeatedly told them 5. One rep told me I needed to change the number to one or change my entity, which sounds like fraud. I said nope, I have 5 and am a sole proprietorship. All perfectly legal and correct. Several more phone calls and emails checking the status of my application, to no avail. I called on XX/XX/2021 and spoke with someone and asked them to escalate my application as it had been in since XX/XX/XXXX. He told me the caseworker would get moving on it and I would hear back within 72 hours. Never heard from them. A week later, I sent emails requesting the status of my application. Never heard from them. Two days ago, sent a message via their online portal. Never heard from them. I'm so frustrated. Thank goodness the XXXX extended the XXXX deadline. This feels criminal.
Product: Debt collection

This company continues to report to my credit without verifying this account! I have put disputes in through the credit bureaus and XXXX was not able to verify this account and deleted it off my credit. However, the other credit bureaus still have this account reporting as verified. It also states they sent this account to a collection agency. I sent a letter to the legal dept according to FCRA 623 that I need this account validated! I get a letter back claiming they can't honor my request without signing it. This sound very sneaky to me as they claim they would have to do a signature comparison as a protection to me!!! 

*Attached is my letter to the company and a letter I received from the company
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This account is showing its been closed but midland is garnishing my check (
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/1982 ), Content of Complaint this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX These account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureau on XX/XX/2023, 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 COMPLAIN, and I'm including it again XXXX XXXX BANK XXXX XXXX XXXX {$1600.00} ; XXXX  XXXX XXXX {$0.00} ; XXXX BANK XXXX Balance {$2700.00} ; XXXX XXXX XXXX Balance {$29000.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$780.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$37000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unsatisfied with their investigation results because I have not been provided with any documentation ( ex : signed contract, itemized bill ) and I honestly do not recognize the company name or ever having an account with them. I need this account on my profile flag as disputed fraudulent. XXXX didnt even include a comment at the end of their investigation that mentions that I am disputing that this account does not belong to me and the agency should be required to provide the documentation they used to determine the validity of of the account during their investigations. Also the agency should not be allow to retaliate against the customer for submitting a request for an investigation. 

I submitted a dispute with XXXX  around XX/XX/XXXX because there is an account from 2016 I do not recognized ( RE : JPMCB ). There is no information on my profile as to who this company is. Did they provide XXXX  with a signed contract and an itemized bill? I have never received an itemized bill from this unknown company or any sort of documentation or letters from this company. I do not even know what the letters of the company stand for. XXXX  investigations often do not check for proper documentation. When an investigation is completed, it should be required that they should be providing the customer a copy of the documents that were provided as part of their investigation. 

The second complaint is the idea that XXXX  seems to retaliate when a complaint is submitted. I submitted a complaint because I do not recognize the company on file. They completed the investigation and my score went down XXXX points. This sounds like a practice to discourage people from submitting a request for an investigation. This should not be allow.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

My account with Rushcard had a block placed on it as of XXXX XXXX XXXX. I was instructed to send in documents verifying my name and address which I did on multiple occassions only to be told that I needed to send the documents in again and again and again. This went on until XXXX XXXX XXXX when Rushcard finally closed my account and told me I would receive a check in the mail in 5-7 business days. Unfortunately for me this is around the time that they 're " system update " was to take place and now my online account is showing a zero balance and when I call in the automated system says my card has not been activated and I 've yet to be able to reach anyone from customer service since the system crash.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

onemain {$13000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The item I need deleted is listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the item be 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

Convergent Outsourcing placed a false collections account on my credit report stating that I owe a balance for a company for which I have never had any contract or account with. I verified this with the creditor ( XXXX ) and it is false/fraudulent. I have never had an account with XXXX nor have any agreements with this company. I tried to reach out to Convergent Outsourcing on several occasions and have been unsuccessful. This false/fraudulent report is hurting my personal credit and request that it be removed immediately.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my correct report. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible. Thanks!
Product: Checking or savings account

On or about XX/XX/21 I made an online purchase with XXXX XXXXAlthough the phones were drawn from my account with XXXX XXXX the transaction was approved Pay Pal with Pay Pal credit.The problem is I can not secure recovery of purchased items after going through XXXX  XXXX, XXXX or the US Post Service.I have already requested a refund, but Pay Pal has provided me with no assistance.
Product: Credit reporting

In XX/XX/XXXX, I got an alert from the following company ; XXXX, regarding an amount of {$1200.00}. This showed up again on XX/XX/XXXX after it was previously removed. Because of this, my credit is impacted by almost XXXX points ( again ). 

I explained that there was a name mix up. An individual has the same first and last name and lives in a different state ( I believe it is in Texas and they had a medical bill to pay that they did not pay ). Not clear how the mix up happened. Both Experian and the XXXX are being difficult to work with. Please help! 

Thanks, XXXX
Product: Debt collection

The Heroes Act section ( XXXX ) Suspends negative consumer credit reporting during the XXXX pandemic plus an additional 120 days.
Product: Debt collection

In accordance with the Fair Credit Reporting act Equifax 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

On XX/XX/2023 at approximately XXXX EST I checked my balance in my money lion checking account when I noticed a very low balance I immediately contacted money lion. There were two unauthorized transactions pending totaling XXXX. I informed them I did not use my card to make any purchases on Friday evening except one at the XXXX XXXX near my home in XXXX KY and the purchase amount was for XXXX. They are refusing to return my money and also made them aware at the emergency situation in which I was involved and why I needed my money asap. My grandchildren have been abandoned in XXXX and I needed to drive to XXXX immediately. They have yet to return my money.
Product: Credit card

I have had a Discover card since 1983. I have had to use this card in the past three years for various purchases. I noticed that even making my payments on time and paying just over the minimum, my balance did not seem to go down! At one point I had done a balance transfer to this card only to find out that one month my interest charge was more than my payment!! I cut up my card and sent it back to them. After several attempts to try and get my interest lowered, they wo n't even budge. Now, after making my payment, less than {$10.00} goes to the principal and my minimum payment keeps increasing!!!! I am never going to get this paid and it now has caused me financial issues.
Product: Debt collection

I called XXXX and made payments directly to them. I still have {$98.00} remaining to pay. I still have debt collectors calling me from Robison & Regan daily from multiple different numbers throughout the day. Leaving several voicemails stating this is a very important call for ( my name ) trying to collect a debt. I have talked with them before and let them know I worked out payment arrangements with the actual company itself to whom I owe money. The amount {$230.00} they are claiming they need to collect from me is incorrect. I want Robison and Regan to stop harassing me daily with numerous calls and voicemails. Also the balance reflected of {$230.00} is incorrect and it affecting my credit. This is not an accurate balance on my credit report and I want this updated immediately. I will be happy to provide receipts, & phone number where XXXX can be reached for proof the balance Robinson & Regan collections agency is trying to collect from me is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Agency Act XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A States that 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 an account without my written consent
Product: Mortgage

Earlier around XXXX I called to make a payment and discuss late fees. I found out that when I made a payment back in XX/XX/year> with my bank 's bill pay made the payment of {$540.00} they posted it as to principal and now it is sitting as unapplied. The rep created a case to have the account adjusted the case number is # XXXX but I called today because they charged me another late fee and have not settled the account. So until they post the payment I'll be charged late fees. The rep I spoke to created another case # XXXX. Counting this one today ; there have been three case numbers assigned and no one is straightening this out and I'm being charged late fees even when I'm not late.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and notced several inaccuracies in my account. This account is hurting my abilility to obtain credit.It is my understanding that you will investigate these tems for me to ensure accuracy. 


Here is the tem I am asking you to verify as accurate : Expedan 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 want the reported accounts XXXX XXXX XXXXXXXX, XXXX XXXX removed because they are in accurate. They are reporting a balance and I do not have a balance on those closed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax will not update with the correct address of XXXX XXXX XXXX XXXX XXXX wi XXXX equifax will not update with the correct name of XXXX XXXX XXXX XXXX i have sent them my proof of name and address they have not updated
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and andSSNCard.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report immediately. I have attached proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Bad customer service. I tired to cancel my escrow based on the information they sent me, the problem is they have a irrelevant condition not to cancel my escrow. The only lender you can not talk with the escrow department to solve any problem.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Resurgent capital services added old debts grester than seven years old to my XXXX XXXX account that I was paying. I did not know this until I started paying. They only put in the sheet XXXX XXXX and did not add XXXX to the title sheet