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

Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated. Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute. 2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete. 3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification. 4.

The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies. 
Disputed Item Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Date of Reported Issue : XX/XX/24 The following information is incorrect or incomplete for the following reasons 1- High Balance is showing wrong and inaccurate information 2-Date of Last Activity is complete inaccurate I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data. 2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy. 3. Provide me with the results of the investigation and a corrected copy of my credit report. 4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation. Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter. Thank you for your immediate attention to this matter. Please feel free to contact me at ( 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

In accordance with the Fair Credit Reporting Act this creditor has violated my right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose.
Product: Debt collection

Validation and Proof of Claim and Notification of Attempt to Collect a Debt Past Legal Statute of Limitations National Credit Adjust XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone XXXX According to FDCPA DATE : [ XX/XX/year> ] I received a letter from your office attempting to collect a debt for National Credit AdjustersXXXX XXXX . According to the laws in my state of TEXAS the debt in question is past the legal statute of limitation under contract law to collect. I demand that you cease all collection activities regarding this debt, or Ill report your actions to the State Attorney Generals office and the department who licenses debt collection companies in my state. 
I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had no other option but to dispute the account below as their are many violations and would like it reviewed and deleted... 


Account : : : : XXXX XXXX XXXX XXXX  Amount : : : : {$7400.00} As per law 15 USC 1681 e they never furnish me a 1099 C FORM! as they were suppose to! I was suppose to file for ordinary income an they have violated my rights. 

Also as per my rights I should be aloud to see my full account number on my file an its not reporting properly. As per its not reporting my first date and when the collection was picked up. Its showing no activity whats so ever except its a charge off an a amount. I am not even able to reach out because no numbers are provided! 

Also they had a tax break as its a charge off so my file shouldn't be furnishing a amount to a debt that no longer is due to it being paid. I would like this to be deleted as soon as possible please.
Product: Checking or savings account

PayPal restricted my account with money in it and told me to wait 180 days so I can have access to my funds, its been over 180 days now and I called to have my funds released only to be told I should wait to receive an email with instructions XXXX knows when before I can have access my funds which has been locked for over 180 days. I called on several occasions and it seems each representative seems to tell me a different story and its like they want to take my money. Please help me get my funds back as I need to pay some bills Im late on payment.
Product: Debt collection

I noticed a {$1400.00} debt reported as collection on my equifax credit file. According to the report Original creditor is  XXXX    XXXX   XXXX   located in  XXXX   XXXX . Collection agency is  Southwest recovery servi ces located in  XXXX  Texas. ( Both of which I 've never had any dealings with in my life ), This is a fraud. i 'm in the middle of purchasing a house and this kind of activity will jeopardize my chances of owning this house. I am asking for a full investigation of this matter. I 'm requesting that the highest penalty possible be implemented on these perpetrators. I want this account removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, MI XXXX 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 3. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts on my credit report has been taken care of with the company XXXX. They were both paid in full as you will see in the attachments and agreed to be removed as a paid for delete. Ive disputed this information with Equifax at lease twice but they still refuse to remove from my credit report as XXXX did. This information is preventing me from receiving approval for a Mortgage loan for myself and family. These accounts were paid on XX/XX/2019 ( {$100.00} ) and the other on XX/XX/2019 ( {$130.00} ).
Product: Vehicle loan or lease

I have found some inconsistencies reporting on my credit report therefore I am requesting my original contract, full payment history, any communication which was sent to me for the duration of the lease.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive notified the three credit bureaus numerous times about inaccurate information on my credit report. Ive expressed to them each time I call that the information is incorrect that they have on file. I was told by one of their representatives that the information was cross referenced. I can not be verified verbally because of this so I have to file on line. This information is constantly being updated on my credit reports. Ive disputed it numerous times and it has not been removed. It has been over 90 days with me trying to have this information removed. Ive sent in a police report in the past, and Im still being asked for additional information. Ive requested that my credit report be frozen due to this, and Im still seeing hard inquiries posted damaging my credit. Ive requested documentation from the creditors with my signature as proof, showing that these are my accounts and I still to this day have never received that, but Ill receive a message that it was verified and they updated it on my credit report. The Applicable Law U.S.C 1746 states that if documentation is not presented with a signature, it is null and void, and Ive not received anything with my signature on it as Ive requested numerous times. The information that they have is inaccurate and its erroneous on the bureaus behalf, because I can not self identify because of the information that they have on file for me. Im requesting that this matter be resolved promptly, because its problematic to me, and its damaging to my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ( Account : XXXX ) I recently reviewed my credit report and noticed that my XXXX XXXX  account is inaccurately reporting a late payment. However, all payments have been made on time, and this late payment notation is incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a direct violation of this law.

The credit reporting agencies have an obligation to maintain accurate and up-to-date records. My account has never been late, and I have attached a copy of my credit report reflecting this error, with relevant dates highlighted for reference. The incorrect late payments are reported as follows : * TransUnion and Experian incorrectly show a 30-day late payment for XX/XX/year>. 
* Equifax inaccurately reports a 30-day late payment for XX/XX/year>. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.
Product: Debt collection

I truly do n't believe these credit bureaus such as   XXXX   are taking their consumers concerns seriously. I have been disputing  2 medical debts on my credit report for the past two months. Everytime it c omes back that the debt is proven to be vaild. I then requested a copy of my credit report. I call the collection agency and the date of birth that they have on file is not the same date of birth on my  XXXX  credit report so how can the debt be valid? I dont believe this situation has been investigated at all because if it had been investigated the debts would have been removed from my credit report just for the simple fact that the date of birth does n't match up. The collections are as followed ;  Certified Bureau of So  Col Opened :  XXXX   XXXX ,   XXXX   Original creditor :  XXXX   XXXX   XXXX   XXXX   XXXX   Balance : {$230.00} Certified Bureau of So Col Opened :  XXXX   XXXX ,   XXXX   Original creditor :  XXXX   XXXX    XXXX   XXXX   Balance : {$83.00}
Product: Student loan

Starting in XX/XX/XXXX, I consolidated my student loans for a total of {$29000.00} with a locked interest rate of 2.875 %. I went into XXXX XXXX, but it took a long time before I had good paying steady work. I claimed deferment for the first year, then forbearance until XX/XX/XXXX. Not the best idea, I know, but I could barely pay my rent ; future me could worry about the increasing capitalized interest and late fees ( which totaled {$4200.00} ). Got a steady job and began making regular payments, and despite having paid a total of {$16000.00} toward this thing, {$10000.00} has gone to interests and fees and now my balance is still at {$23000.00}. Sure would have been nice to know about various income based payment plans back then.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a problem with background check showing a criminal charge for XXXX oregon and I have not been convicted of that charge so it shouldnt appear on my records.
Product: Credit reporting or other personal consumer reports

We contacted Transunion LLC on XX/XX/XXXX to have inaccurate information that is publicly reported to be removed. They could not assist me with the issue and the Fair Reporting Act states that any inaccurate/unauthorized information reporting has to be removed. The inaccurate and unauthorized information are two inquiries on the account from " XXXX XXXX XXXX  '', on XX/XX/XXXX and " XXXX XXXX '', on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation sent po report and ftc inaccurate information coming back under another name violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to case number XXXX. XXXX has completely failed me and I am at a complete loss. I was the victim of identity theft and had a loan taken out fraudulently in my name in 2022. I have submitted all documentation required, including an FTC Identity theft report, police report, ID verification and more. These are sworn affidavits. However, XXXX continues to state that the account was not the result of Identity theft and no further action will be taken. I don't believe that XXXX actually investigated this matter at all. No investigation report was provided to me at all. I would like a copy of this please.When I asked I was simply told that the loan agreement was sent to my mailing address. This a blatant lie as I never received any notice of a loan being opened in my name at that time. No identity verification took place. The person that took out the loan accessed by XXXX account that I already had and signed documents electronically without my consent or knowledge. XXXX failed to properly verify this loan. I was the victim of several other identity thefts at that time and over a period of months. All other institutions handled my identity theft and were on my side. XXXX continues to not be. 

I have been a client of XXXX XXXX XXXX for XXXX 20 years and you are basically calling me a criminal and a lia. I provided a police report and FTC report certifying that this loan was fraudulent and their response to this was negligent and dismissive. I would like a proper resolution to this issue otherwise I will be forced to consider legal action against XXXX. I will also be reporting this to local media outlets that may be interested to know that XXXX Bank apparently does not follow the FCRA and XXXX XXXX XXXX should support their long time clients who fall victim to Identity theft and remove fraudulent accounts and inquiries from their credit report, rather than treat them like the criminal themselves. I certainly believe its time to reconsider my primary bank moving forward. 

With that being said, I do not wish to destroy my personal credit over this account. Im at a total loss and if I have to pay the account, Ill just have to do it to be done with this nightmare. During the course of this investigation the account has gone into past due by 3 months on my credit report. If I am willing to bring this account back to current with a payment, would XXXX be willing to remove the negative late payment remarks from my credit report? Again, I was a victim here and the account wasnt opened by me, but Im just done fighting with XXXX and the Credit Bureaus at this point and am willing to just move forward if XXXX would be willing to help me out and remove these negative remarks from my credit reports.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 USC code1681 the 3 credit agencies that are displaying and furnishing inquiries and information on my credit report without my written consent which is against the law. Knowing I have submitted proof that of mix identity and been a victim of identity theft knowingly reporting things without my consent it damaging my credit and creditability and causing me hardship in my life which no matter how much proof I submit the credit agencies refuse to abide by the laws and correct. In addition to this preventing me from having access to my account due to mixed information that is preventing me from knowing what all is reporting. I have been going through this longer than 3 months with them and my report needs to be corrected immediately as I am being negatively impacted financially and mentally due to this stress and unresolved.
Product: Credit reporting or other personal consumer reports

WORKED IN STUDENT TRUCK DRIVING PROGRAM AT XXXX XXXX FOR ONLY 3 DAYS, HOWEVER BECAUSE I COULD NOT MEET THE PHYSICAL DEMANDS OF THE ROLE WHICH ENDED MY EMPLOYMENT IN THEIR PROGRAM WITHIN THOSE 3 DAYS. SEVERAL MONTHS LATER THEY CALLED ME DEMANDING THAT I PAY THEM {$4700.00} FOR THE TRUCK DRIVER TRAINING CLASSES THAT i NEVER TOOK. THESE PEOPLE ARE ALLEDGING THAT i HAVE A LOAN WITH THEM FOR EDUCATION, HOWEVER IT IS NOT TRUE AND I WAS NEVER PROPERLY MADE AWARE ACCORDING TO THE LAW. I BELIEVE THAT XXXX IS IN VIOLATION OF THE TRUTH IN ACT AND THE THE FAIR CREDIT REPORTING ACT FOR THE FOLLOWING : I NEVER RECIEVED DISCLOSURES FOR SUCH A PROMISORY NOTE, I HAVE NEVER RECIEVED AN INVOICE OR PAYMENT BOOKLET, THEY HAVE VIOLATED MY PRIVACY BY NOT NOTIFYING THAT THEY ARE SHARING ACCOUNT DETAILS WITH XXXX PARTIES AND THEY HAVE NEVER PRODUCED THE ORIGINAL PROMISSORY NOTE FOR SAID DEBT. i WOULD LIKE YOUR IN PROTECTING ME FROM THE UNSCRUPULOUS BEHAVIOR OF XXXX XXXX  BY DEMANDING THAT THEY STOP REPORTING THIS TO MY CONSUMER FILE FOR THEM TO CEASE AND DESIST THIS ALLEGED DEBT.