23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX, XXXX & XXXX opened XX/XX/2021 for {$220.00}, XXXX opened XX/XX/2021 for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negative reporting associated with my [ Kickoff ] account, which has been inaccurately reported to my credit file.

Kickoff failed to withdraw payments from my card for six months without notifying me of any issues. When I became aware of the account being charged off, I immediately contacted them. A representative agreed to resolve the outstanding balance with a {$50.00} payment and assured me that they would assist in removing the negative marks from my credit report and collection status with the credit bureaus. However, despite fulfilling my obligation and making the agreed-upon payment, the negative reporting remains, and my account is still listed in collections.

This constitutes a failure to uphold the agreement made by Kickoff, and as such, I request the following actions : Immediate removal of the negative payment history and collection status associated with this account from my credit re
port.

Verification of the inaccurate information under the Fair Credit Reporting Act ( FCRA ), as the reported information is misleading and does not reflect the agreed-upon resolution.

Investigation into Kickoffs failure to honor their commitment to assist in clearing the negative report upon resolution of the account.

Please consider this letter a formal dispute under the FCRA. If the negative information is not corrected or removed, I request a written explanation outlining the verification process and proof that the information being reported is accurate.

I have attached supporting documents, including my payment confirmation and correspondence with Kickoff. Please review my dispute and update my credit report accordingly.

Thank you for your prompt attention to this matter. Please confirm receipt of my dispute and notify me of the outcome
Product: Credit reporting or other personal consumer reports

I checked my credit report as usual today, and unauthorized inquiries showed up out of nowhere. After refreshing my browser to see if it was just a glitch, I realized they werent going away. This situation is frustrating, and Im requesting a thorough review of the documents I submitted so this issue can be fixed immediately, and I dont have to deal with it again.
Product: Mortgage

I was trying to pay my mortgage over the phone and the automated system kept telling me that it did n't recognize my account number, when I finally got through and entered my bank account information the payment seemed to go through and I was given a confirmation number. I called and checked on it several days later and it confirmed that my payment was received. When I received my next statement it showed a " payment reversal '' and a late fee charge. When I called to ask why my payment was reversed I was told that I entered my account number wrong. I was charged a {$100.00} late fee. I believe that it was the system 's error that caused this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, here are the hard inquiries listed below : XXXX XXXX XXXX, MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I don't recall ever receiving any information from this company before seeing it on my credit report.
Product: Mortgage

Loan modification took my 15 years left to pay mortgage, back to 30 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete fraud alerts from all 3 credit bureaus XXXX : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

This is the refilling of my complaint to EQUIFAX. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXDate Opened : XX/XX/2015 Balance : {$36000.00}
Product: Checking or savings account

i was charged a monthly fee of XXXX dollars but i have a XXXX in my account. which then lead to a over my balance incurring a NEGATIVE XXXX cents on my checking account but i was charged XXXX dollars fee to cover the XXXX cents. i think this is excessive. i call them and asked for a refund but i was told it is valid. i think this is excessive. they were saved by the Obama administration and should have been bankrupt but this bank practices is beyond consumer satisfaction.
Product: Credit card

I have contacted American Express multiple times to enact the Louisiana service members civil relief act. This act ensures that any active service member serving in the state of Louisiana is entitled to an interest rate at 4 % or lower
Product: Student loan

I took out a student loan to send my XXXX daughters through college at XXXX XXXX University. XXXX graduated from XXXX in XXXX ; the other in XXXX. Just as I was starting to pay the {$110000.00} loan back ; my husband ( who was a XXXX and main bread winner, as I am a XXXX ) had a XXXX on XXXX XXXX, XXXX. He had XXXX XXXX over the course of a year and a half - and had to go on social security XXXX. The loans are in my name alone, so we could not qualify for loan forgiveness. We lost our cars, our home, everything - and of course my loans went directly into forebearance. Fast forward to today. My loans have ballooned into an insermountable amount of almost {$200000.00}. I am XXXX years old. I ca n't understand why a serious medical happening would not allow me to " freeze '' my accounts ( so as not to accumulate so much interest and penalties ). This seems almost illegal and if not, definitely unfair. How can I ever climb out of this hole - a hole that through no fault of mine I fell into that I can not get out of. My credit is ruined. I ca n't even buy a small house or condo because of that. It seems that there should be medical exceptions to loan forgiveness ( if you can show proof - which we of course can. ) It hangs over my head daily - and it keeps growing and growing, because I ca n't even afford XXXX of hwat the minimum monthly amount is. I am stuck, lost and scared to death. XXXX XXXX XXXX, XXXX, Ohio
Product: Credit reporting or other personal consumer reports

They Keep providing Information that is not relevant to what my concerns and Questions are? I have Attending court they mail me the same information over and not yet not what i have requested.

This need to go father what others steps are there that i can Take at this point court has not been helpful even the judge agreed that the price was not going down no valid reason as to why the prices keeps going up yet he still agreed with them because he always does he is being paid by the debt collectors.

I am Not giving a fair change or reasoning as to why they are reporting inaccurate information on my credit reports this is actual damage and effective my life. This debt is not current this is not a new debt yet they are reporting this debt as recent debt, taking my money with no notice it should have been sent certified mail and i should have had to sign and made aware of my taxes and wages being took. 


This has been a on going problem and i am not looking for a responses from them looking for a solution, want them to stop reporting inaccurate information on my credit report, the amount is inaccurate, wage and taxes have been took and the amount should be going down not continuously going up, why am I being charged interest and can this stop? What can be done to stop garishment of taxes and wages, can we come to an agreed settlement amount where interest is not continuously being charged and going up. 



I am Currently not working injured and have a disabled XXXX coming up in XXXX. I need my income taxes and do not want them to garnish them, how can this be stopped? What is a solution, can it be mailed to me, This is effective my life and lively hood and just because they are responding with lawyers doesnt make it right. This was my car my property and it was stolen and took from me illegally, with unfair and unreasonable, and illegal possession and practices and they continue to ruin my life and cause damage with incorrect, unfair information and harassment and garnishments. 




They had dont and are doing illegal practices and taking advantage of poor people this was reporting as a Charge off, has been charged off yet Im still being harassed and garnished and every time i apply For something it is reporting as a new account or recently delinquent account. The numbers are not correct the amount is not correct. How can this debt keep changing dates how is this possible? This needs to go farther what are the next steps please do not close this because they reply incorrectly information. Need valid clear solutions, what can be done to stop incorrect reporting, changes of the date of the debt, the amount of the debt, how can the garnishment be stopped, can we come to a settlement amount?
Product: Credit reporting or other personal consumer reports

Experian refuse to remove and update my personal statement from my credit report
Product: Debt collection

Good evening, I pulled my report on XXXX XXXX saw a collection from Convergant Outsourcing For a suppose debt of {$1100.00}, I send them a letter to ask for validation of debt with signature to see if there was a signature belonging to me never heard from them nor it was marked disputed in my credit, then in XXXX XXXX, send them a certified mail witch I have signature prove that they receive it on XXXX XXXX sign by a XXXX XXXX they have never sent me any validation of debt, it was marked disputed on credit, then today I happen to get a notification from my credit that something updated and sure enough was the same company marking that suppose debt as unpaid, why they going mark it as unpaid when there is an investigation going on, and 30 days has n't pass for them to mark it from disputed to unpaid.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and it has been found unverifiable, invalidated, inaccurate, and questionable items that the credit bureaus didn't make sure it was reporting 100 % correct. In accordance with the Fair Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 161i ( 5 ) the credit bureaus violate not reporting 100 % accurate ; fraudulent accounts have been reported & needs to be removed ; XXXX XXXXXXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX, XXXX XXXX ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$630.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit card

On XX/XX/year>, I was charged interest on a payment that was declined due to an error on Goldman Sachs ' part related to my Apple Card. Upon noticing this charge, I contacted their customer service to rectify the situation. However, I was provided with incorrect information about the amount I needed to pay to avoid the interest charge. The payment decline was not due to any fault on my part, and I have records of funds being available when the payment was due. ( See attached screenshots ) When I contacted Goldman Sachs customer service regarding my Apple Card on XX/XX/year>, the representative gave me misleading and incorrect information about the payment required to prevent interest charge. After my initial contact, I spoke with a supervisor who assigned me case number XXXX. I was informed that a resolution would be provided by XX/XX/year>. However, when I followed up on XX/XX/XXXX due to lack of response, I was given another series of misleading responses without any specific or satisfactory explanation. After spending a weekend going through previous statements, I noticed that the XXXX monthly statement showed a total of {$3100.00}. After applying {$400.00} in refunds, the amount I needed to pay was {$2800.00}. This amount, which was reflected as the balance in the XXXX XXXX, was paid in full on XX/XX/year>. 
Due to the incorrect interest charge and misleading information, I have experienced financial impact, distress, and a violation of my consumer rights to accurate information.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making XXXX report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and learned there was an unauthorized inquiry made by XXXX XXXX XXXX on XX/XX/2018. The unauthorized inquiry was made to my XXXX Credit Report. On XX/XX/2018, I sent a letter to the address provided on my credit report requesting that the company cease its unauthorized hard inquiries into my credit report and that they contact the credit bureau to have the inquiry removed. I communicated that to my knowledge, I had not signed any documents authorizing their organization to view my credit history and therefore the inquiry violated the Fair Credit Reporting Action Section 1681b ( c ) : Transaction Not Initiated by Consumer. I asked them to furnish any document that they believed authorized their organization to make inquiries into my credit report and I requested that the document be sent to my address. In responding to my inquiry, the company merely stated that " your credit report pulled was based on the application request received by XXXX XXXX XXXX. Special Financing Company can not remove any credit inquiries due to the fact the application do not commence with our office. '' As an initial matter, I didn't authorize any applications. Secondly, XXXX XXXX XXXX isn't listed on my credit report, XXXX XXXX XXXXXXXX, a/k/a " Special Financing Company '' is listed. Indeed, XXXX XXXX XXXXXXXX is a " furnisher '' as described by 16 CFR 660.2 ( c ) because it is an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. I have a copy of the mailed letter ( certified ) and the company 's response. I would like the inquiry removed from my XXXX Credit Report.
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 : DEPT OF ED/XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened XXXX. XXXX, 2015 XXXX : {$0.00}
Product: Credit reporting

I moved from XXXX to XXXX to start a business. I have never worked for this company. For the last 4 months, people from XXXX XXXX XXXX XXXX XXXX have been calling me telling me to pay them money. I have never gotten money from them. They keep telling me that I was an insurance agent for they company. I have explained to them over and over that I took a XXXX Insurance Agent test but I have never worked as an insurance agent. Today XXXX XXXX, 2016, I received an alert from XXXX that XXXX XXXX XXXX XXXX XXXX has reported an account as unpaid. I do n't know what 's going on. This company is committing fraud because I have never worked or received money from them.
Product: Credit reporting or other personal consumer reports

This account is inaccurate it is reporting inconsistently across bureaus. XXXX and XXXX are NOT reporting this account because it does not belong to me. If the information is coming from the original creditor the information should be consistent across reports. We can not say this account is accurate. Youve failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX