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

I settled a XXXX XXXX  collection balance with a law firm. ( Account number XXXX ) I attached the SETTLED IN FULL letter to the disputes at the bureaus. The bureaus left a balance on the file. This is a violation of my rights under the Fair Credit Reporting Act. 

According to Section 611 ( a ) ( 1 ) ( A ) of that law : Subject to subsection ( f ), 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. 

The key phrase in that paragraph is : " RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE '' The current status is that the balance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another XXXXesearch item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

All the three credit bureaus have old information on my credit report. I have tried to remove the old accounts from my reports but all the three bureaus have different informations.
Product: Credit reporting

Dispute letter sent requested verification and validation documentation required by the fcra in the timely manner given and no correspondence and not removed. Improperly reporting to my credit report with. Not legitimately collecting in short.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple layers of issues with this account that start with it being opened without my knowledge. 

Once the account was opened and I was aware when the collection process started. Multiple requests for copies of lending documents, application documents and supporting authorization were requested however QuickClick responded that I needed to register online, which I did and no documents were available. I went back to the lender and requested again and was told these were in archive an were not available. They indicated they would take me to court for various charges including wire fraud, and I provided all current contact information. Nothing materialized except further collection threats. At one point a settlement was requested due to the 96 % interest rate increasing the " payoff '' well over 20K however they said to send in XXXX and the rest would be cleared. QuickClick refused to put any settlement in writing. 

It has now been nearly 7 years and the account should be coming off my credit report as I am preparing to buy a home. However QuickClick is now falsely reporting the payment history. This account has had no activity since XX/XX/XXXX. Therefore the account would have gone 180 days delinquent XX/XX/XXXX. Unfortunately this company is now falsely reporting the payment history on this account by updating the payment month that is exactly 4 years ago to XXXX from XXXX  forcing my credit score to drop due to what appears to be recent account history. Each month I watch my score increase to over 600 and then when they report this updated payment my score then drops to about 570. 

I do not own this account and the lending company has been unable to provide any documentation.
Product: Checking or savings account

Identity Theft Statement : I am a victim of identity theft. A fraudulent bank account was opened in my name using my personal information without my knowledge or consent. I became aware of this when I received emails from Bank of America regarding an account that I did not authorize. 

I did not apply for this account, nor did I provide my personal information for this purpose. This unauthorized activity has caused significant concern, and I am taking immediate action to report and resolve the issue. I am submitting this report to the FTC to document the fraud and to seek assistance in preventing further misuse of my identity. 

I request that this matter be investigated, and I am willing to cooperate with any necessary steps to protect my personal and financial security.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly a collection in the amount of {$850.00} on the XXXX XXXX XXXX XXXX  original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Several years ago I had a XXXX account. I followed the cancellation policy outlined by XXXX and the representative I spoke with assured me the account was in fact closed and in good standing. I did not receive any documentation from XXXX indicating that this account was in jeopardy. XXXX, even after the account was closed, continued to charge fees. I was not aware that this account had gone to collections until I obtained a copy of my most recent credit report. This account has no outstanding balance and therefore should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting

I would like this charge removed from my credit reports because it has been changed over from XXXX XXXX to XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home. 

I am currently paying the same account with XXXX XXXX XXXX. I would like to have XXXX XXXX / XXXX removed from my credit reports from XXXX, XXXX, TransUnion and XXXX. 
I would like to have XXXX removed from all reporting agencies : XXXX, XXXX, Transunion and XXXX. 
I would like to have XXXX removed from all reporting agencies ; XXXX, XXXX, Transunion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 8. I do not make this inquiry. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. I do not make this inquiry. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. I do not make this inquiry. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. I do not make this inquiry. 
GLOBAL LENDING SERVICE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. I do not make this inquiry. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

18. I do not make this inquiry. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

19. I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

20. I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

21. I do not make this inquiry. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

22. I do not make this inquiry. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed a copy of my credit report. It shows a student loan identified as XXXX.I have never taken out a student loan through XXXX. 

Per the Family Educational Rights and Privacy Act ( FERPA ), no unauthorized third-parties should have any supposed educational record and report them to data furrnishers of any sort : The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education recordsXXXX. 
FERPA applies to any public or private elementary, secondary, or post-secondary schoolXXXX 
It gives parents certain rights with respect to their children 's education records, and these rights transfer to the student when they reach the age of XXXX or attend a school beyond the high school level. 
Schools may disclose " directory '' information such as a student 's name, address, and dates of attendance without consent, but they must inform parents and students about directory information and allow them to request that the school not disclose it In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation. 

That means an original contract or similar proof, not just a printout of the payments that were made. 

Provide all DOCUMENTARY EVIDENCE from the public and private side according to XXXX that this is a valid and verifiable debt you are reporting and claiming the accused debtor " XXXX XXXX '' owes. I further demand you provide authenticated and verifiable proof that accused debtor " XXXX XXXX '' was given an advanced and lawful opportunity to opt-out to any disclosers of personal identifiable information to your corporation and its subsidiaries PAST AND PRESENT. 


Per the F.C.R.A, as a federally protected consumer, I am permanently opting out of any and all authorization, I the consumer may have under duress given you, written, unwritten, verbal, and non-verbal, per 15 U.S.C. 6802. This is effective immediately and indefinitely.

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am theConsumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I will contact a consumers rights attorney to pursue my rights for private action under the FDCPA and or the FCRA where appropriate. 

See attached files and account number to validate my findings of FERPA VALIDATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, XXXX  is reporting the account as XXXX XXXX/XXXX  XXXX, TRANSUNION is reporting the account as XXXX XXXX  XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries on my credit report : 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
Product: Credit card

My Card Was Used Without My Consent in XXXX of 2019 Now This information Shows up on my Credit report as negative And its hurting my credit score the amount charged Was For {$260.00} i Paid of the amount owed but the information still shows up on my credit report and its hurting my credit score i want it gone because i did not make the purchase in the first place
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a incorrect address with Equifax more than 6 times. I was told more than 6 times it was deleted. When I checked my report on my own, everything I was told by Equifax was not true. There was no deletion about a incorrect address. They would not provide who is the company who reports this fake address of XXXX XXXX XXXX XXXX XXXX NY XXXX. I dispute and they are now coming back verified now by Equifax. The agents are only apologizing about the situation
Product: Credit reporting or other personal consumer reports

XX/XX/23 I received my consumer report and seen many inaccuracies. Lets start with the spelling go my name and to update to my current address. See Attachment for proof I asked the credit reporting agencies to update my personal info.
Product: Credit card or prepaid card

I HAVE HAD AGGRESSIVE ID THEFT. 
THE DECEPTIVE PRACTICES BY NET SPEND MY PREPAID CARD IS BLOCKED ANDFOR THE LAST FOUR DAYS AFTER SENDING IN MY INFORMATION TWO TIMES EVERY PERSON IN CUSTOMER SERVICE HAS AN XXXX OR XXXX ACCENT. 
IM NOT XXXX IM A CUSTOMER WHOS CASH WAS RENDERED AT THE TIME OF PURCHASED AND MY IDENTITY GIVEN On XX/XX/2021 I purchased a netspend predpaid card in the amount of XXXX for an emergency use when attemping to activate card Its blocked and now they are asking me to provide my drivers lic. Ssn and proof of adress on XX/XX/2021 WAS sent via fax my information ref # XXXX .Net spend. XXXX XXXX XXXX Texas. And today I resend my documents via email to XXXX. I eceive a MAIlER_DEMON REPLY HOWEVER, The EMAIL IS CUSTOMER SERVICE ACKNOWLEDGED MY RECIPT sent EMAIL. I HAVE REQUESTED A REFUND .ACCORDING TO : CUSTOMER SERVICE I WILL RECEIVE A CHECK IN THE NEXT 10 BUSINESS DAYS. I spoke to manager after customer service rep over and over they have caused me nothing but emotional mental tribulations arguing with me. customer service at XXXX.
Product: Debt collection

disputed Portfolio Recovery online with XXXX XXXX XXXX to delete or verify accounts on XX/XX/XXXX. Portfolio failed to respond. 

disputed Portfolio Recovery online with XXXX on XX/XX/XXXX and XX/XX/XXXX to delete and verify accounts. Portfolio Failed to verify nor delete. 

I have given Portfolio over 30 days with multiple attempts to respond with verifying my account.Portfolio constantly calls from in state AND out of state numbers from XXXX to XXXX monday through Friday and even on weekend, even after disputes. I have requested for them to leave me alone.Portfolio recover constantly harasses me to pay off balances or they will sue and they have failed to prove any debt as accurate and unsubstantiated.
Product: Debt collection

I have a bill for progress energy that already paid and know I get some phone calls for a collection agency to paid this bill again. I get some harassment calls with treated and legal issue. I get call on my cellphone all the time even during working hours and after dark. I am on the do not call list and still getting calls.
Product: Credit card or prepaid card

{$28.00} on XX/XX/22 {$3.00} XX/XX/22 Contacted the bank almost 24 times since these erroneous charge was made as interest. They back dated a payment of {$1500.00} as declined after 3-5 months to charge me interest. Contacted my XXXX bank to see why it declined after 3-5 months and was told this decision was not made by anyone at XXXX or anyone associated with XXXX and it was Apple Card that decided to back date and decline the payment to charge these interest on two different occasions in the same months. I contacted Apple countless times with out right refusal to review or assist in these fraudulent interest charges.
Product: Debt collection

I had debt owned for Sunbit, I was informed by Sunbit that if I paid my debt off they would not report it on my credit report as a chargeoff. ( paid to delete ) Sunbit failed to do so and reported the debt that was paid off as a charge-off and is currently reporting on my XXXX. I feel like I was lied to by Sunbit and they did not go through with there agreement, Acct # XXXX. I wish this account to be removed off of my credit report from XXXX bureau.
Product: Debt collection

I have request from National Credit System paper work on why they are trying to collect for XXXX XXXX XXXX  over {$4700.00} Dolls, XXXX XXXX XXXX  fail to deliver an Itemized letter of any Allege money owe to them. 
When I call XXXX XXXX XXXX after i find out in my credit report of Amount allegedly owe, I was told that they did not have any paperwork to give me for the allege debt because old management was not there any more and new management had nothing to do with allege debt that National Credit System was trying to collect.

National Credit System purchase alleged debt from another company and either company was not able to produce any paper work of why they are trying to collect {$4700.00} dolls. No one deliver a letter of itemized item 's of how the alleged amount come to be, I want answers from National Credit System on why they are trying to collect and illegal debt and and illegal amount with no proof of debt owe, no paper work!. National Credit System has Also tried to intimidate me with many phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My records associated with the account SPECIALIZED LOAN SERVICES with account number XXXX and XXXX do not compliment with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and method of verification to SPECIALIZED LOAN SERVICES but I did not receive what I asked and these violations persist on my credit report.
Product: Payday loan, title loan, or personal loan

I have written to OneMain Financial on more than one occasion explaining that I was not interested in their services and for them to remove my name and address from their system. I have a suppression on my credit report that prohibits such solicitations, but they continue to mail unsolicited offers and quite frankly I'm sick of it. I have never done business with them, nor do I want to. They send mail to my po box and have now started sending mail to my home address, which I have not provided to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX  XXXX XXXX  # XXXX XXXX XXXX # XXXX
Product: Debt collection

I have never received a notice to dispute the debt in question, and despite reaching out to the concerned party four times, I have yet to receive satisfactory validation that the debt is indeed mine. I possess certified mail receipts as evidence of my attempts to communicate with them. Regrettably, each time I sought information or validation, my requests were either ignored or met with insufficient responses. Despite my efforts to rectify the situation, they have persistently refused to remove the disputed debt from my credit report. This lack of cooperation is not only frustrating but also raises concerns about the accuracy and legitimacy of the reported debt. I am determined to resolve this matter and seek the removal of the disputed entry from my credit report, as it is impacting my financial standing unfairly.