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

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

For EXPERIAN 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
3. FCRA states that accounts which are sold can not report monthly payments, past dues nor balances. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

For XXXX 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
Product: Debt collection

This company is reporting to my credit report for a XXXX bill/account that I do not owe. I went to this cable company directly and all bills and equipment has been returned and paid to a XXXX balance. I have also submitted several request to this debt collector so I can obtain the debt validation. I would also Like to see what documents or method of verification they have provided to XXXX to prove this is a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. Also, It could also be possible you are mixing up these accounts with someone that has a similar name as me. The accounts are not mine, and I would like them immediately deleted.
Product: Checking or savings account

On XX/XX/23 Capital One 360 advised of closure of my checking account because I complained about their poor service. After several telephone complaints where Capital One 360 refused to properly service my checking account, they subsequently decided to close my accounts affecting my credit and my ability to open another checking account.
Product: Checking or savings account

Account with Bank of America and XXXX XXXX opened without my authorization. Subsequently and attempt to secure a credit card was also done. I have fraud alerts on the Credit Bureau, and this slipped through the cracks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nv, XXXX Last XXXX of SSN # XXXX XXXX : Consumer financial protection bureau To whom it may concern I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following information reporting to my credit. 

No Account number listed for this account, Spring Oaks Capital LLC XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX, amount listed $ XXXX dates and the amount owed. 

By you continuing to report accounts on my credit report without my written consent along with you not respecting my right to my privacy this is identity theft Any transaction on here is a transaction that was from real life experience which is suppose to be excluded from my consumer report You are continuously updating the date of the last activity every single month on these collection accounts. It is clearly obvious that you are prolonging the statute of limitations for these account to make them last longer on my consumer report.the date last active is XXXX XXXX and I'm sure you will change it in the next month Im not sure if you have some type of business relationship with the collections agency but i am not happy that you are changing the date every month. This account was put on my report XXXX XXXX XXXX and you are making this account look newer than what it really is which is false and misleading. 

Delete This inaccurate account from my report or I will be pursuing litigation for actual damages of artificially damaging my XXXX score Please tell me how you verified these items as I have a right to know since the investigation you did last month is already over. Who did you talk to the original grantor? Did you write? I have no knowledge of this creditor nor did I give authorization for this creditor to report on my account. I literally have no knowledge of this account and this is identity theft. 


I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are inaccurate, According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -You are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
I await your reply. Once you have fulfilled my request, Mail me an updated credit report reflecting the changes. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received a copy of my consumer reports today XX/XX/2024, and I notice you have furnished transactions on my consumer report that are excluded by law as per FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; A consumers transactions are excluded from the consumer reports.

FICO and or any other risk score or algorithm that you use to calculate a consumer 's credit score, is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report- consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
FICO or none of its factors, are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer ( XXXX ) and the person XXXX XXXX XXXX XXXXXXXX ) is a violation of 15 USC 1681a. The definition of the consumer report does not include FICO or XXXX, which makes their factors or algorithm not a factor where the consumer report is concerned. 

You have furnished transaction information on the following accounts :. 
( List accounts with late payments. ) Account XXXX XXXX XXXX XXXX : All late payments shown shall be updated to paid as agreed and in good standing as shown in the comment section of my Equifax consumer report, per the FCRAs Law, to be fair and accurate. XXXX must update this account as paid as agreed and in good standing as shown on my Equifax consumer reports comment and section to be 100 % accurate and complete as shown in the attached file. 

So please Delete these late payments on this account per 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Thank you for your time, and I know that as a company that follows consumer laws and their practices, you will do the right thing set forth by US Congress 15 US Codes. and make sure my consumer has no inaccuracies and errors.
Product: Mortgage

My client 's monthly mortgage statement has listed two methods for contacting the servicer listed, with a single point of contact, XXXX XXXX. There is a phone number with an extension for XXXX XXXX and an email address : XXXX. 

My client has tried more than five times to reach Marisa Iglesias at the number provided and has been unable to reach her. She said that she was on hold during one of these attempts for several hours, only to be hung up on by the automated system. 

I emailed XXXX a Request for Information on XX/XX/2023. The email came back undeliverable. I tried again the next day and after over 50 hours of retries, gmail was unable to deliver email to the address. I tried it from two separate computers and a cell phone and all came back undeliverable.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>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 have paid off the car balance but creditor still reporting a balance
Product: Debt collection

I just came back from XXXX in the middle of XX/XX/XXXX. While gone I changed my service provide to a new provider. XXXX was supposed to provide me with a final bill so that I could pass on to my new service provider and get credit for the devices that I own. XXXX  final bill was not correct causing me to forfeit the credits that I would receive from my new service provider. I attempted to contact XXXX starting in mid XX/XX/XXXX on a weekly basis trying to arrange payment arrangements or any other kind of arrangement to satisfy my arrangement to XXXX. XXXX refused to correct my final bill that would allow me to receive the credit owed to me by my new service provider. I attempted to resolve the debt with XXXX. I am unable to pay {$2300.00} all at once. Today I was told that I was referred to a collection agency and XXXX would not accept any kind of payment but the full payment. They also told me that in one week from today I will be referred to a collection agency. I have a security clearance and I cant do that. I also dont have {$2300.00} to give to them. I am prepared to send back the equipment they are charging me for or any other method of trying to resolve this issue. I was referred to a collection agency, XXXX XXXX, and they did not offer any resolution. I have tried for the past year to work with XXXX to get my final bill corrected and they tell me because I didn't notify them that I was changing wireless network providers that they can not help me at all. I actually did call and tell XXXX that I was cancelling the service with them and they offered no help in transition. A year later and now they have a new collection agency, Virtuoso Group, hired to attempt collecting this unfair debt caused by XXXX 's clerical error. I still do not have the money promised to me by my new service provider, XXXX, because of XXXX 's clerical error on my final bill. The clerical error is that the device ( phone ) serial numbers were not correctly matched to my phone numbers. For example : my sons device ( phone ) was listed incorrectly as my phone number and vice-versa.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your records show my license was suspended and it was not. Also showed an old license number and not my current one. I was denied a job by XXXX and XXXX XXXX because of this error. My license is and was valid
Product: Credit reporting, credit repair services, or other personal consumer reports

On two separate occasions, XX/XX/XXXX and XX/XX/XXXX, I sent certified letters to TransUnion to remove a name that is incorrect and should not be on my credit reports. They have yet to remove it. 

They have XXXX XXXX XXXX My name is XXXX XXXX
Product: Debt collection

Each justice or judge of the United States shall take the following oath or affirmation before performing the duties of his office : " I, _, do solemnly swear ( or affirm ) that I will administer justice without respect to persons, and do equal right to the poor and to the rich, and that I will faithfully and impartially discharge and perform all the duties incumbent upon me as _ under the Constitution and laws of the United States. So help me God. '' 1906, Hale v. Henkel has been cited by the Federal and State Appellate Court systems over 1,600 times!

In nearly every instance when a case is cited, it has an impact on precedent authority of the cited case.

Compared with other previously decided Supreme Court cases, no other case has surpassed Hale v.

Henkel in the number of times it has been cited by the courts. " The rights of the individuals are restricted only to the extent that they have been voluntarily surrendered by the citizenship to the agencies of government " Any judge [ or officer of the government ] who does not comply with his oath to the Constitution of the United States wars against that Constitution and engages in acts in violation of the supreme law of the land. The judge is engaged in acts of treason. '' Cooper v. Aaron, 358 U.S. 1, 78 S. Ct. 1401 ( 1958 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting incorrectly a {$31.00} balance due on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account is over ( 7 ) years old and reporting this account is a violation of the Fair Credit Reporting Act. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open a new account on XX/XX/XXXX with anybody. A new account was opened up called Feb Retail and I have never ever heard of these people. Please help me get rid of this. I have no way of contacting them because I don't know them or where this account came from. It is showing i. My Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/2023 Notice to Correct Credit Report In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I am writing to dispute incorrect information in my credit profile, which you furnished to credit reporting agencies. I am not happy with the way your company is handling my consumer report. I have disputed and reached out numerous times with no resolution. I was trying to get an apartment and realized I had damages on my credit report. According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy, there should not be any damages on my report. It is defamation to my character and is fraudulent. These items must be removed due to the fact that the incorrect information that is being reported is hindering me from succeeding in society. If items are not deleted IMMEDIATELY I will continue to pursue the matter and contact my states local Attorney Office.
Product: Credit reporting or other personal consumer reports

This is a formal request to you that I would seek for your assistance in correcting the accounts but time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of and kindly help me to correct this accounts : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$50000.00} XXXX XXXXXXXX Balance : {$810.00}.
Product: Credit reporting, credit repair services, 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 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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
Product: Debt collection

Received mail stating that a balance of {$2200.00} for a XXXX credit card that I did not open. The letter was from Resurgent Capital Services. I called the number on the paper XXXX. They told me to log on to the XXXX account ( which i do not have ) to see the information on my account. They could not give me any information on the account. This has not showed up on any of the credit reporting agencies. 
They told me to get a police report and sent an alfadavid.
Product: Credit reporting or other personal consumer reports

I noticed a new collection on my credit report, via my score going from XXXX to XXXX. 
XXXX XXXXPayliance was the collection tradeline which intentionally poisioned my report. 

After research and numerous communicating with Payliance and XXXX bets, and explaining I did not bounch a payment and was either the victim of an account take over, and/or ID Therf, my complaints fell on deaf ears. 

The bank I use has refunded my money, however, PaylianceXXXXXXXX XXXX refuses to remove the tradeline. I was " told '' I had to file a police report. 

I took off a XXXX from work and filed a police report and even an ID Fruad affidavit. I sent both to XXXX XXXXPayliance, and again explained I have not bounced a check/ACH from my check and to please research the bank, routing number, and account # of the alleged bounced payment and they would easily see it was not I that made and/or authorized said charges. 

I have jumped through incredible hoops by closing my bank account and reopening another. I filed disputes with my bank ( success ), the CRA " big XXXX '' and copied Payliance and XXXX bets on all communications. 

I even articulated the actual damages this was causing as I have to sign for my daughter 's studen loans and now my interest rate has gone up. 

I have even given them a reasonable deadline to have have their posion of my consumer reports, or I will litigate. 

That deadline passed and the posion remains on my credit report. I have already drafted my federal and state lawsuits, which will be filed this week and service should be easily perfected. 

I have the knowledge and ability to stand up for myself, and be Payliance/XXXX XXXX worse nightmare. However, I am in a very small minority. 

How can a company not provide a copy of the alleged check/ACH and the account number and bank the alleged debt " bounced. '' Answer- they play the odds. They are losing big time with me, soon, but I'm sure it will be a " cost of doing business ''. Your agency has the authority to make that cost of doing business sting badly. I'm restrained to statutory and actul damages. 

Over {$200.00} this is the hill they choose to die on? From a stand alone single consumer perspective, they just got their wish, but they need to be stopped and your agency has that authority and ability. 

Thank You!
Product: Debt collection

LVNV FUNDING LLC reported to my credit a debt of {$630.00}. Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ) .All forms of communication should be stopped and ceased through all mediums mail, electronic, phone calls and credit reporting.