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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy XXXX XXXX XXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect. No contact information. If you are unable to verify the account, the information should be removed from my credit report Thank you for your help.
Product: Debt collection

This is on Professional Credit in XXXX XXXX. 
Ive made several attempts with XXXX XXXX in XXXX and XXXX. I asked for a detailed invoice statement to get a a loan from my XXXX at the company I worked. The first rep said she was sending a detailed invoice via email. She sends a broken link with no invoice. I call in and she lies claiming it takes a few days for the link to the invoice to load. It never works. I call back in and she claims she has to get authorization from her manager and never resends the link. I also asked for a paper statement she claimed that they they could never send that out. Now after several attempts by email to get my invoice and pay the amount in XXXX I finally received an e-mail in XX/XX/XXXX in the mail for paying the full amount Ive been making monthly payments on all along. 
This company is crooked and when you try to pay the debt they dont even answer at their call center or via email to pay. If you do get a hold of someone they are worthless for getting you the information you need This bill was {$1100.00} I payed down. It was a medical bill on my daughter who was premature born and had breathing & eating difficulties. They sued me in court for this.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681.

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX Account # XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX has violated my rights. 

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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did not authorize my credit to be ran by these companies and they told me that there was nothing that they could do about it over the phone. I have now submitted a report online and am waiting to hear back from them.
Product: Debt collection

Only disclosing their name and not the company they are calling from when they call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a coffee table from XXXX XXXX. It was delivered to me defective. I called them on XX/XX/22. We spoke for 20+ mins. They didn't know what they wanted to do. So the guy said he'd have someone call me back. No one did. So I disputed the purchase. 

XXXX XXXX told Citibank that I didn't call them on XX/XX/22. I provided proof to Citibank I did. Then I provided to Citibank pix of the defective coffee table. 

Citibank ultimately denied it saying I didn't provide a complete response. They said I didn't provide what I expected to get vs. what I actually got even though I provided pix from the website AND pix of the defective furniture. 

I got a bad piece of furniture. I did everything properly. I provided overwhelming proof of the issue. XXXX XXXX was proven to be dishonest. 

To have Citibank tell me I didn't provide enough is lunacy. I provided everything Citibank asked for and more.
Product: Credit reporting or other personal consumer reports

I received a notification a couple of weeks ago that a credit card account from XXXX XXXX, XXXX was reporting on my credit report, so I pulled my report and found that there in fact was an account reporting and it was showing as a authorized user. I have never been an authorized user on any account that has a balance like that. The only account that i am an authorized user on is my daughters XXXX home depot account. This is showing an XXXX Balance. I disputed the information with Equifax and they came back saying that the account was verified to be mine. They also removed the authorized user information and it is showing as my account. I called XXXX to find out what was going on, I gave them all of my personal information " SSN, DOB and All '' and they said that they couldn't find an account on me. I also gave them the last 4 of the account number that is showing on my report because that is all that shows and they still couldn't find anything. I was told that i would receive a letter in my email stating that i do not have an account with XXXX and that the information is being reported incorrectly. Well, i never received that letter so i contacted them on XX/XX/XXXX  and couldn't get any one to help me, I asked for a supervisor and was told that a supervisor would not speak with me, i called again on XX/XX/XXXX  and was given the same information, i was told they couldn't find any information on me and i would need to send a letter with all of my personal information, including my drivers license to their mailing address and they would investigate and it would take up to 120 days. I am not mailing my personal information to a company that i do not deal with, especially my drivers license in the same envelope as my ssn, i again asked for a supervisor to handle this another way and was told that the supervisor was not willing to speak with me on this matter. This is not fair at all, if they are not showing an account for me with my personal information then how are they able to report something on my credit report. I am trying to purchase a home and this has really affected my purchase since it dropped my score by well over XXXX and some points. I will be contacting a lawyer to sue both, XXXX cards and Equifax for wrongfully reporting information on my report. I also have a fraud alert on my report which has been on there for months and i was never informed of an account being opened in my name like they are supposed to do. I need this information removed from my credit report. XXXX also sent me a letter in the mail today XX/XX/XXXX  stating that i would need to contact the primary account holder to be removed from the account. When i called and talked to them today, they told me the same thing. I do not know who the primary account holder is to contact and have my self removed or why i was ever put on the account in the first place.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies being reported on this account throughout all the credit bureaus. 

I have attached my most recent credit report for your reference. 

Please correct this and remove from my credit file. 

Account status Date opened High Credit Date last reported Date last active XXXX is still showing payment history past date of last active, how?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I recently received a copy of my Experian and XXXX credit reports and I notice there is an unauthorized and unrecognized credit inquiry made by Experian and XXXX creditors. As far as i knew I do not recall authorizing this credit inquiry and I understand they shouldn't be allowed to put an inquiry on my file unless I have authorized it.

If they find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If they find that I am in error, then send me proof of this. I think i got victom of their inquiries issues.

Here 's the list of the inquires : 1- ( experian report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 2- ( experian report ) XXXX XXXX XXXX  Inquired onXX/XX/XXXX 3- ( experian report ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX4- ( experian report ) XXXX Inquired on XX/XX/XXXX 5- ( XXXX report ) XXXX XXXX Inquired on XX/XX/XXXX 6- ( XXXX report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 7- ( XXXX report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 8- ( XXXX   report ) XXXX XXXX Inquired onXX/XX/XXXX 9- ( XXXX report ) XXXX XXXX Inquired on XX/XX/XXXX 10- ( XXXX  report ) XXXX XXXX Inquired on XX/XX/XXXX 11- ( XXXX   report ) XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has came to my attention that XXXX XXXX XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith and ruin my financial livelihood. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation in writing of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. 

Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 

XXXX XXXX XXXX is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and XXXX XXXX XXXX. This account with XXXX XXXX XXXX is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 

Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount undersection 1666 of title 15. XXXX XXXX XXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
Product: Mortgage

About XXXX months ago was my last complaint about this company. In that time the situation hasn't been resolved. The intentional delaying, threats and dirty tricks haven't stopped. I called them and they wanted the XXXX payment to even send the paperwork. That's fair i suppose. So it was payed. The re-modification documents finally arrived by first class mail after about 14 days. There was no reason they couldn't be emailed but whatever. I notarized them and sent them back by XXXX then the waiting game started. it took about 20 days before i was told by email to call in to discuss a problem. There is no reason why the so-called problem couldn't be told to me by email so i could address it immediately but again whatever. It took a week to get through to anyone. Calling there requires 30-40 minute hold times. Even if you have a direct number and extension it goes through a main line. When i finally spoke to someone they claimed the date couldn't be read so i had to send the documents again. One number in XXXX  was kind of dark because of the pen i was using so they rejected the documents. It is ridiculous and this is another delaying tactic. 
I sent the documents again and more waiting. After hearing nothing for weeks i called in and they claimed they were waiting for another payment. I don't believe and have never believed these people had good intentions or intended to honor the law or any of these agreements. Just like when they bought this account they delayed and played dirty tricks so they could seize my house and make big profit since everyone knows debt collectors pay pennies on the dollar on collection accounts. There needs to be an investigation into this company to see if they have defrauded or attempted to defraud others out of their property. When they originally received the agreement documents the payments were up to date but they dragged their feet to have an excuse to pull some more dirty tricks. I am XXXX XXXX XXXX and wanting to give this house to my son so he can enjoy it but this company is intent on making my life XXXX XXXX XXXXXXXX so they can ruthlessly steal from me and line their pockets. Because my family is here with me we are all living this nightmare. I have even more trouble because XXXX hackers stole my money out of my bank account and i haven't been able to get it back at this time. My son is reluctant to pay this debt for me unless he has assurances that his money will not be taken and they take my house anyway. The question i have is why wasn't the re-modification finalized after they had the payment and the documents 3 months ago. Why delay and then claim somehow this is my fault and im still defaulting on payments?
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX credit report XX/XX/year> and identified multiple inaccuracies and incomplete information. As per the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information they provide. The following accounts listed in my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : The accounts, names, address, Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure maximum accuracy of reported information. However, the details of this account contain multiple discrepancies and errors, violating federal reporting guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

showings late payments when there's no late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - AUTO FINANCE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  - AUTO FINANCE on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Vehicle loan or lease

I have been denied any financing for my XXXX XXXX XXXX THE DEALER TOOK MY TRUCK FOR TRADE I HAVE BEEN STORING THIS CAR FOR YEARS ITS NO LONGER THE BANKS ASSET ITS MINE HERE IS PROVE SOME HIDDEN CONTRACT I NEVER SIGNED WANTS ME TO PAY OFF THE CAR OR ALMOST ALL OF IT THAN SWOOP IN FOR THE DEAL FORGET IT WISE GUY. WHO HAS THE TITLE TO THIS CAR AND REMOVE THAT FILTHY ADVERSE ACTION ON MY CREDIT REPORT ASAP I HAVE POSSESSION AND THATS THAT THE CAR ISNT WORTH ANY MORE THE LOAN OFFICER IS A CROOK AND I AM NOT GOING TO PAY THOUSANDS TO RIDE THE BUS WITHOUT NOTHING EXCEPT A XXXX XXXX DOLLAR ADVERSE MARK ON MY CREDIT OUT OF MY MY TRUCK AND CAR FORGET GET CROOKS THE GIG IS UP
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The Credit bureaus stated the account was thoroughly investigated but how is that possible if these two accounts XXXX XXXX was deleted from my XXXX consumer report after a thorough investigation as you can see in the attached document of my XXXX XXXXXXXX  account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit card was closed XX/XX/XXXX and there was a delinquent remark on XX/XX/XXXX from both XXXX and Experian.