23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am being harassed by XXXX XXXX XXXX. They are reporting that I have a debt of the original balance of XXXX but I only owe {$1000.00}. It is indicated on my credit report under ( AB ) =account balance, DPR=Date Payment Received, SPA= Scheduled Payment Amount, AAP= Actual Amount Paid that I have made payment on this account 9 times. This is false. I don't even know the company and have not been paying on this account. Attached is a copy of my up to date credit report from Experian which tells me that the account stays for 7 years and been verified. I have no verification of this false debt that XXXX XXXX XXXX is trying to collect from me. It also states that the account is schedule to remain on my credit report until XX/XX/2021, which is not 7 years. I'm not understanding where this information is coming from with recorded information on my credit report stating that I have been paying this debt that I know nothing about. Can this company produce receipts from me? This company is falsely reporting credit history that doesn't belong to me and the credit bureau Experian is reporting this information with the statement under Comment : '' Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '', which in fact is a violation of the Fair Credit Reporting Act.
Product: Credit reporting

Equifax is, in my opinion, ruining my credit report on purpose. It is amazing to me how inept they are being about fixing their own mistakes. I have literally sent them XXXX letters so far, highlighting exactly what was wrong and what they needed to fix and they have been responding with ridiculous statements trying to tell me that I am the one who is wrong! LIKE REALLY?! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history WITH THE BALANCES! CAN YOU BELIEVE THAT!?? 
2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 
3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should be removed.
Product: Debt collection

I am writing regarding a recent discrepancy on my credit report. Upon reviewing my credit history, I noticed that there is a late payment recorded on my credit card account with your company. I am writing to dispute this late payment and request its removal or correction from my credit report. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the worst of the 3 major credit bureaus. Who the heck has time to rely on snail mail when attempting to remove a freeze? It's IMPOSSIBLE to get through to a live agent on the phone. And, even with my latest PIN, attempting to use their online : https : //www.experian.com/ncaconline/removefreeze # registration it's impossible to get verified ( even though I know all of my information is correct ). 
What the heck is wrong with this company and what is the CFPB going to do about it? 
I think this is the second time in the past year or two I have submitted a complaint. 
Please look into Experian. They are damaging the US Economy and Consumers through their unfriendly practices.
Product: Credit card

there are XXXX  credit pulls that was shown in my account for XX/XX/XXXX and XX/XX/XXXX that i dont recognize. i already reported this matter to XXXX  and XXXX  and they both already helped me out but they still suggested to make this report
Product: Credit card

I booked a hotel stay in XXXX XXXX XXXXXXXX in XX/XX/XXXX for a trip in XX/XX/XXXX. I was billed in full ( nightly rate/taxes/fees ) after the reservation was made. Upon checking out from the hotel, I received a Capital One app alert of a charge from the hotel. I received no additional communication from the hotel regarding the charge. I contacted the hotel and after several back-and-forth email exchanges, I was told the charge was for taxes/fees. The hotel was not able to address my question as to why I was billed taxes/fees twice, once at the time of booking and then the second time was upon checking out from the hotel. I then contacted Capital One Travel since that was the venue where the reservation was made. The agent was not able to answer my question either and contacted the hotel while we were on the call. She came back with the same answer that the hotel had already provided to me although I had informed her of my communication with the hotel in the beginning of our conversation. She wrapped up the conversation with she could not assist me further. 
Since my question was not answered by either the hotel or the travel company that sold me the hotel nights, I decided to file a dispute through Capital One Credit Card. The investigation took over 4 months including multiple lengthy phone calls with different agents and supervisor as well as providing supporting document. In my last conversation with the supervisor, he seemed to understand the issue and told me they would reach out to the hotel and ask for an explanation to the doubled charged taxes and fees. 
On XX/XX/XXXX, I received an online document from Capital One. To my shock, I was being told of the exact same thing they had told me in XXXX, which was I did not supply sufficient document to justify my dispute. I am at a loss at this point and decided that continuing to work with Capital One is a loss cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$230.00}
Product: Credit reporting or other personal consumer reports

Account was settled multiple times with my negotiable instruments!!! 

First cause of Action XXXX XXXX/Nonresponse to Failure, By Not following the Check Clearing for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which has caused me Injury and Damages ; Second Cause of Action ; XXXX to Failure, By Not Following by THE NEGOTIABLE INSTRUMENTS ACT XXXX, XXXX, THE NEGOTIABLE INSTRUMENTS ACT ( amendment and miscellaneous provisions ) of XXXX, which has caused me Injury and Damages ; Third Cause of Action : XXXX/Nonresponse to Failure, By Not Following The Federal Reserve Act of XXXX, The Federal Reserve Banking XXXX of XXXX, which has caused me Injury and Damages ; Fourth Cause of Action : XXXXNonresponse XXXX XXXX XXXX XXXX Not Following House Joint Resolution XXXX PUBLIC LAW XXXX, which has caused me Injury and Damages ; With Cause of Action : XXXX/Nonresponse to Failure, By Not Processing my Negotiable Instruments because they are Linked to and through My XXXX XXXX XXXX XXXX XXXX XXXXouting and account number, which has caused me Injury and Damages ; Sixth Cause of Action : XXXXNonresponse to Failure, By Causing a waste of my precious time and resource trying to resolve this issue with My Vendors and Utilities Companies, which has caused me Injury and Damages ; Seventh Cause of Action XXXX XXXXNonresponse to Failure, By Causing me to find alternate means of making payments of my public debt, which has caused me Injury and Damages ; Eight Cause of Action : XXXXNonresponse to Failure, By Not returning and destroying my property i.e XXXX my Negotiable instruments, MOAs and or Checks which has caused me Injury and Damages ;
Product: Credit reporting or other personal consumer reports

I Recently Reviewed A copy of my credit report and noticed i had fradulent accounts on my report please remove these acounts from my report they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This car loan isn't mine the colonial auto finance says I pay XXXX month it maybe on time but it isn't mine. Also all the inquiries are right I only applied for XXXX XXXX XXXX  didn't give permission for the other ones for 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found errors on my credit report, I submitted a dispute on XXXX XXXX 2020, it has been over 60 days. I have not recieved anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely matter.
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX, am in New York, XXXX. I found this website ( XXXX which seems to be an authorized dealership in the XXXX ) couple weeks ago, and I got interested in one of their trucks ( ref XXXX ). I bought it on XX/XX/2023, after the collection of the funds, I havent received any meaningful updates. I was first told that the truck will be shipped on XX/XX/2023 and that I was going to get my XXXX  and some dismantled parts shipped to my location in New York even though the truck is going to XXXX port, after saying that, there has been a very scary and troubling silence as I didnt receive any XXXX  nor other updates about the shipping. I tried to talk to my usual interlocutor and other possible contacts on the website but nothing was possible. I feel betrayed, scammed at this point. My bank failed to caution me on any risks, not even the size of the money $ XXXX, they also failed to act fast enough when I told them that I was defrauded, the beneficiary bank has clearly acted as a complice in the process.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section XXXX - 15 U.S.C. XXXXg ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section XXXX - 15 U.S.C. XXXX ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section XXXX ( 5 ) - 15 U.S.C. XXXX ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section XXXX ( a ) ( 1 ) ( A ) - 15 U.S.C. XXXX ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, XXXX XXXX - 15 U.S.C. XXXX ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, XXXX XXXX - 15 U.S.C. XXXX ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section XXXX - 15 U.S.C. XXXX ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, LLC ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several medical bills from XXXX XXXX hospital which are in collection with XXXX XXXX XXXX. I have no medical issues, ive never been to this hospital and tjis bills are on my credit. I have dispuyed them several times along with a utility bill and several inquires on my credit that are UNAUTHORIZED by me. The credit bueraus always return the dispute VERFIED but i dont know who or where they are verifying this belongs to me.
Product: Credit reporting or other personal consumer reports

Mortgage bankers from Rocket Mortgage have contacted me several times over the past month about refinancing my house. I explained that I was already completing that process with a different company and I was not interested in working with Rocket Mortgage. OnXX/XX/2024 XXXX XXXX ( from Rocket Mortgage ) called and told me he was looking at my file and would put together something for me. I explained to XXXX that I was not happy with Rocket Mortgage 's business practices and I did not want to refinance with them. I also explicitly told XXXX that I did not want anything done to pull my credit because I was working on repairing my credit and didn't want an unnecessary hard inquiry. XXXX stated that they could already see my information and nothing would impact my credit. On XX/XX/2024 I received an alert from each major credit bureau reporting an inquiry into my credit. After checking each bureau, I saw a had inquiry from Rocket MortgageXXXX XXXX ignoerd my request and pulled my credit without my permission.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my s

ignature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal
from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : 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 ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$XXXX} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$XXXX} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$XXXX} XXXX and XXXX  Date Opened XX/XX/XXXX Balance {$XXXX} XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX CARD ( Bank ) XX/XX/XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX, XXXX, ME XXXX XXXX Brief description : Claim against TD Bank , N.A . 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX T : XXXX Claim Number XXXX On XX/XX/2021 I received text messages to my cell phone that stated they were from TD Bank Fraud Department, claiming someone was accessing my account and to verify some transactions. I was apprehensive to answer the texts so I ignored them.

Next I received a phone call with an automated voice recording claiming they were calling from TD Bank Fraud Department and to press 1 to speak to a representative.

I pressed 1 and the caller confirmed/verified all of my identity for me, I did not provide it. They claimed that I did not respond to the text and were concerned, that is the reason for the call.

The caller then explained that there were transfers being made on my account and to verify that they were not mine, the caller would send me a text code and I had to read the code back to them.

This went on for about 4 texts and was taking a very long time so I told the caller I was going into the Bank to speak to them about this. The caller advised I NOT go into the bank as they couldn't help me because this was an online issue. 

This is where I became very concerned and went into the bank to meet with the fraud security department. I showed them the back to back texts that were clearly from TD BANK FRAUD Dept. and the phone log from the caller stating they were from TD Bank.

The Fraud Security person looked into my account and there were 4 transfers made back to back and correlated with the timing of the texts. This was clearly fraud and a scam.

TD Bank has done nothing to refund my {$990.00} and claim that fraud did not occur.

I have filed 2 complaints with them, they claim the first complaint was filled out incorrectly so I filed a second time. Both were found to not be fraud. 
TD Bank is doing nothing to protect my account or provide any type of refund. 

Coincidently, the fraudulent activity began after using my card in the local Target Dept. store. 

I hope you can help me with this. 
XXXX XXXX XXXX
Product: Debt collection

There are several information list on my credit report and address that are wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX, XXXX XXXX XXXX XXXX XXXX ca XXXX, XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX  XXXX XXXX ca XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX, XXXX XXXX XXXX XXXX XXXX, ca XXXX. These addresses are not correct they were made in fraud. I never lived there before and they need to be removed from my credit report. XXXXXXXX XXXX XX/XX/year>, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, genesis fs card services XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX genesis fs card services inc , XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all these items are fraud i never applied and never lived at these addresses listed.
Product: Credit reporting or other personal consumer reports

I mailed a letter Certified in XX/XX/2024 to both XXXX and the Creditors one to XXXX XXXX and also XXXX XXXX Account number XXXX to resolve the issues. 

With no responses for my Form 1099-C Request. 
Per the 1099 C form The amount canceled on a 1099-C is considered income and must be reported on the borrower 's tax return. I never received a 1099-C from either creditor and I have received no response I have repeadtly asked for the1099-C to be validated. They keep blowing me off and ignoring me and sending me back the same Generic answering versus fixing the issues. 

And I pretty sure XXXX illegally gave a creditor my information without permission.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

I requested this account to be updated over 2 months ago and have bee ignored by the reporting agency. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time disputing fraudulent accounts on my credit report. There are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXXPENN CREDIT CORPORATION # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was to CO-Sign for my son on an auto loan at XXXX XXXX in XXXX Tennessee. I live in another county and spoke to the salesman who i did give consent to do a credit check, but now have 7 HARD inquiries on my credit. This was not explained to me that they would use my ss in this manner and then when I got to the place to check on paperwork I declined to sign for the existing loan at 20 % and they had it in my name as primary. We went to XXXX and got a loan at 4 % and Co-signed for my son. This practice of making multiple hard inquiries even at credit unions where we did not have accounts is damaging to my credit report and an unfair practice. All of the inquiries were from XX/XX/2018. Please let me know what can be done to fix this. I am making this edit at the very end as there are 4 more companies involved that the computer system did not allow me to enter. Those are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX.