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

XXXX XXXX XXXX Account Number - XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX is showing a charge off status on my credit report even after I have settled the debt. On XX/XX/2020 I submitted a dispute online to have my account updated to paid as agreed. Instead of updating my account, I received a response saying that my account was verified as accurate. Since I did not get the results that I was asking for, on XX/XX/2020 I called XXXX XXXX  customer service number XXXX and I asked the representative if she could update my account to paid as agreed and she was extremely rude and disrespectful. She told me that she was not able to update my account. After asking her why she gave me a number to call ( XXXX ) an was unable to get through on this number to speak with anyone regarding my account. The representative did not answer any of my questions that I asked. This charge off account is preventing me from purchasing my first home and I can not believe that even after satisfying this debt, I am still being punished on my credit report. Please help!
Product: Credit reporting or other personal consumer reports

I recently looked into my credit report and saw some accounts that did not belong to me I reported the fraudulent accounts to the company and they refused to remove it.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Accounts/Inquiries that are being challenged XXXX XXXX XXXX XXXX Late Payment {$9600.00} XXXX XXXX XXXX {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX Collection {$5800.00} XXXX XXXX XXXXXXXX Collection {$200.00} XXXX XXXXXXXX XXXX Charge-off {$430.00} XXXX XXXXXXXX XXXX Charge-off {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX | XX/XX/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  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( XXXX ). Block and Remove
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency XXXX be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 
Transunion Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Amount : {$680.00} This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.
Product: Credit reporting or other personal consumer reports

It has come to my attention several companies made hard inquiries to Transunion and XXXX without my permission or authorization and I would like the hard inquiries removed. Transunion and XXXX have infringed upon my rights as outlined in federal law. Under the provisions of 15 U.S.C. 1681a ( d ) ( 2 ) ( iii ), Transunion and XXXX has disclosed my information without my consent, directly violating my privacy rights. This action contravenes the Privacy Act of 1974, specifically 16 CFR Part 313, which mandates the protection of consumer data and requires opt-out notices. By failing to provide me with the opportunity to manage my data and protect my privacy, Transunion and XXXX has disregarded federal regulations. I contacted each bureau and they said I need to file a report and get a FTC number to remove. There were several hard inquires made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

they claim my hospital bill was not paid. i got a copy of my bill from XXXX XXXX XXXX and the bill say XXXX  owe. This is a charge off debit. When i checked the company address it is different from website plus a p.o. box address. I had medical insurance which the bill was sumbitted to XXXX and Valley Credit Service refuse to take it of my credit report. The name the bill is from is XXXX XXXX XXXX. XXXX  XXXX XXXX, md XXXX for hospital say on XXXX to XXXX billing me for XXXX. Since my dispute they have changed there address to XXXX XXXX  XXXX XXXX, va XXXX phone number XXXX
Product: Credit reporting or other personal consumer reports

I filed complaint # XXXX on XX/XX/XXXX  after I noticed accounts on my report that didn't belong to me. The complaint was closed witha comment that states the complaint is still open. This companty is attemting to extort payments from me. This company is recieving money from the furnisher for this false account being on my report. This company is defaming my character. This company is not protecting my report from inaccuracies. This company has failed at its assumed role and is in breach of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my Transunion credit report that should be removed inmediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I noticed a few months ago there was an inquiry to my credit by Covington Credit. I never applied for any loan so I called the company asking them why are they pulling my credit file and remove from my credit file with XXXX XXXX and XXXX. The phone number and last 4 of the social security number didnt match me. Also they claim that a {$600.00} check was cashed so they should have been able to trace it. Now today it is showing as a late payment and theyre calling me with harassing phone calls over a loan Ive never had. They have ruined my credit as I applied for a grant and was denied because of this. It is not my job to find out who they have a loan to. This is FRAUD. They should be able to pull the call and she who they spoke with to take out the loan. I will be pursuing legal action as they were forewarned months ago. Its not my fault if your incompetence staff didnt get persons full name ss # phone number place of employment etc to correctly identify who you were doing business with. This is completely ludicrous. They need to be put out of business. I cant imagine how many people they have done this to. Also it should be a signature on the check and a way to trace that payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion. XXXX. XXXX. 

Multiple dates and occurrences I have shop for an auto loan, several different times, and within the 14 day. They never lumped those all under one inquiry rather each inquiry within the 14 day period has been reported as one individual per creditor resulting in numerous and an exuberant amount of inquiries on my credit report not only that XXXX and experience, both have input inquiries on my credit report from themselves on hundreds of different occasions as Trans Union is refusing to give me a copy of my credit report. All of these things can be verified in the documents that I have uploaded.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, {$97.00} was deducted from my account. This is the normal amount. I received an email on XX/XX/XXXX, indicating my bank rejected the payment. I sent an email to XXXX to inform them that my payment did not fail. Even included a copy of my bank statement. Email was responded to by saying they needed more info. I provided info via email and phone. Was told they are using a new payment system call back Friday. Today, XX/XX/XXXX I received a email saying payment still not credited. I called immediately afterwards. They are closed. I sent an additional email and bank statements again. And told them this is fraud on their part :
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Alert Derogatory Account Reported By Commonwealth Financial Reported On XX/XX/2020 Account Balance {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverifiable accounts on my credit report with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When recently discovering that my personal information was compromised during the XXXX hack, I was trying to freeze my credit score to prevent any attacks on my personal credit rating. XXXX has offered a fee waiver on freezing my account as of this time, but other unions such as Trans Union are charging to put this freeze into place. And I assume all three companies are going to charge anytime I will need to unfreeze to apply for any type of loan or credit. I find this unacceptable that these institutions are profiting off if consumers trying to protect the only thing that will let them buy a home, or a car, or even get a student loan. Currently, trans Union is even hiding credit freeze information on their website in favor of advertising their own for profit credit monitoring services. So not only are hackers benefiting from getting my personal info, but the people in charge of it, whose negligence put me and millions of other US citizens at risk are profiting.
Product: Debt collection

JPL recovery solutions keeps calling me and several of my family members harassing them about my whereabouts. Theyve claimed that I used each family member theyve called as a reference which is untrue. Ive gotten 2-4 calls a day. This has been going on since XX/XX/2018.
Product: Debt collection

I was alerted to the change in my credit report. I have not recieved a phone call, written notification of this debt, or any emails on this debt. 

the only debt I have that this could be, I had attempted to rectify with the company as they could not offer proper cell phone service, they could no longer provide service after 22 years. I called the company numerous times to fix this and they could not rectify it. i could no longer make phone calls, or access the internet. I had to go to a new provider.
Product: Credit reporting or other personal consumer reports

All the inquiries with XXXX XXXX are incorrect. I do not have any active or attached accounts open with those inquiries. Dates starting from 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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. XXXX XXXX AMOUNT : {$610.00} ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX AMOUNT : {$6600.00} ACCOUNT NUMBER:XXXX XXXX. XXXX XXXX  AMOUNT : {$1200.00} ACCOUNT NUMBERXXXX XXXX. XXXX XXXX XXXX XXXX $ ACCOUNT NUMBER : XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Debt collection

I am in the process of buying a house and a result of an unpaid amount was sent to collections for XXXX XXXX. I have always paid my bills on time and never received an invoice from XXXX, or a notice of an unpaid amount. I called XXXX and they gave me the name of the debt collector Sequium. I called and spoke to the representative and she could not locate a collection by my name, phone number or social security number.
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 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

XX/XX/XXXX I was notified by CIG Financial that they were going to sue me in 90 days if I did not contact them and work out a repayment plan to resolve a vehicle loan that went into Repo Status XX/XX/XXXX. 
I responded and XX/XX/XXXX worked out a repayment plan with XXXX XXXX for XXXX per month and ultimately pay off the remainder amount with the agreement CIG Financial would revise my account to the Credit Reporting Agencies that the account was paid in full on time and remove the charge off/ repo status. 
I have made every payment for an entire year and have called several times to discuss the pay off amount. I have this agreement in writing from CIG Financial. 
My last conversation with GIG was XX/XX/XXXX in regards to setting up the settlement pay off and dates. I thought all was moving in a positive direction. 
Im in the process of applying for a mortgage and it was noted on my XXXX   report that I have a 60 day late payment on my CIG Financial account XX/XX/XXXX and several negative payments noted for XXXX, XXXX, & XX/XX/XXXX. This is shocking and has severely impacted my Fico Score. 
Im feeling betrayed as I have never been 30 days much less 60 days late. Had I ever been it is written into my agreement that the agreement would not be honored. Im working very hard to resolve this. 
The amount reported to XXXX is not the amount they are demanding I pay. This company repossessed my vehicle for being 14 days late but up until that point I had a good payment history with them and the vehicle was close to being paid off. Now here I am again so close to resolving this account and I feel they are trying to pull the rug out from underneath me. 
How am I to trust them once I pay them close to {$6000.00} that they will honor the agreement? 

I feel this is bait and switch.
Product: Credit reporting or other personal consumer reports

DEBT VALIDATION CLAIM 15USC 1692G allows me the right to request debt validation claim I am requesting the following ; XXXX. Send me a full detail list of payment history for this account. 

XXXX. Send me the original signed contract that I agreed too for this creditor. 

XXXX. Has there been any insurance claim found on this debt? 

XXXX. Please provide the chain of title that you have to collect on this debt.