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

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. 
According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. XXXX is saying my information doesnt match to the ability to dispute is unavailable while Equifax is saying they cant verify my identity but have breaches in security by sharing my information and allowing over 20 fraudulent inquiries to accumulate on my report. XXXX will not give me access to view or dispute fraudulent activity on my account which is creating a false image of my financial discipline.

I have identified the following accounts and inquiries on my credit report that I did not authorize or have knowledge of. I am asking for the credit bureaus to review and update my consumer report immediately. I am completely disheartened that I cant trust credit bureaus or anyone to hold them accountable for unfair practicing on me as a consumer.
Product: Debt collection

I dont have the exact dates, how ever approximately XX/XX/year> i sent a letter to dispute all debt i ask for the name and address of original creditor, according to 15USC, 1692g, 15USC CODE 1681S-2. and ask for proof that they are authorized to collect o. the proclaim debt and provide Validation of Debt.

Names of Debt collector, Portability recovery & XXXX & Associates. 
Amount {$2900.00}
Product: Debt collection

On Monday, XX/XX/XXXX I received a letter from Medicredi indicating that they are attempting to collect a debt in the amount of XXXX. This was already paid under account number XXXX This needs to be removed from all credit bureaus report no later than XX/XX/XXXX. I will pursue legal action if this has not been completed.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I received a direct debit bill for {$300.00} on XX/XX/2019 for payment due XX/XX/2019. My online account currently appears to show that direct debit will occur for that amount. On XX/XX/2019, I received an email indicating that only {$5.00} would be extracted from my account. Upon calling Fedloan on XX/XX/2019 at approx. XXXX EDT, I spoke with XXXX ( employee ID XXXX ) and she was unable to confirm that such an email was sent. I am concerned that the improper amount will be debited to ensure that XXXX will count towards PSLF and meet my loan repayment obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed XXXX XXXX on XXXX/XXXX/2017 about a late reporting on my credit bureau. She asked if I had filed a dispute and I told her that I had not, because I knew what the issue was. She emailed me on XXXX/XXXX/2017 asking for the details of my issue and she said that she would file the dispute with a member of her team. She stated that I would receive an answer to my response within 30 days. While waiting, I contacted XXXX in the collections department. I spoke with her on XXXX/XXXX/2017 about XXXX XXXX and asked her if she saw any XXXX day reporting on my file. She told me that she did not see any XXXX day late reporting. Before speaking with XXXX, I spoke with XXXX and she also told me the same thing. I received the answer to my dispute on XX/XX/XXXX and it stated that the decision was to leave my credit report unchanged and that the information was correct. I tried calling XXXX and she didnt answer, so I emailed her onXX/XX/XXXX about the letter that I received. She contacted me on XX/XX/XXXX at XXXX and informed me that the dispute was closed. I proceeded to explain to her again that I was not late. She then told me that she would have to forward my dispute to the complaints department. In less than hours after speaking with XXXX, I received a call from XXXX XXXX at XXXX who apologized to me for the derogatory reporting and he told me that he would have it corrected. At this point, I thought that the matter would be taken care of. I requested my credit report around the beginning of XXXX and the late was still there. I called XXXX and he stated that the correction was sent in on XXXX/XXXX/2017 and that it could take 30 days before it would actually update. I asked XXXX to send me something in writing stating that I wasnt late, he obliged and the letter is attached. I again requested my credit report in XXXX and it showed the same reporting. I called and spoke with XXXX again and she informed me that the file was closed and she asked it I had gotten the letter. I told her that I had spoken with XXXX and that he emailed me a letter concerning the late reporting. I also told her that he said that he was correcting my credit file. She asked for a copy of the letter and she told me that she would have to verify it with XXXX. She also informed me that XXXX was unable to change the information without sending the request to her department. I asked if she would call me back that day after she discussed the issue with XXXX. She told me that she had a busy day and she was going to a meeting, but she said that she would call me back. She didnt call that day as promised, so I called and spoke with XXXX the next day on XX/XX/XXXX and she told me that XXXX had taken a vacation day, but she did read XXXX notes and XXXX said that she would forward my email to the complaints department again, but the late payment would not be changed. I received another letter dated XX/XX/XXXX again from XXXX XXXX in the collections department denying my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I seem to have a fraud issue with XXXX. They are trying to collect a debt since XXXX XXXX. At the time, I was only XXXX XXXX XXXX. I reported this incident to XXXX and XXXX and they were able to remove this from my credit report in about 3 days. However, I sent 2 reports to experian about this matter. One report contains my ID, explaining that I was a minor at the time. The other report was filed a week later to their customer support email, explaining that I was a minor at the time of this account opening and that I still haven't received a response back from customer support. I dont know the exact date of the reports that I made, but I know its been well over 30 days since sending these reports.
Product: Credit reporting or other personal consumer reports

n 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 USC 1681. 

I ask XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with experian to remove and delete all inaccurate information that is hindering my file an causing denials in approvals on applications. checking all information listed all errors need to be deleted an corrected. this has been an on going issue. please review an remove the items listed asap.
Product: Debt collection

RECEIVED A LETTER ON XX/XX/XXXX STAMP DATED XX/XX/XXXX FOR GARNSHMENT LETTER GAVE ME 10 DAYS TO RESPOND BACK HOWEVER WHEN I CALLED THE SAME DAY XX/XX/XXXX I WAS TOLD THE FUNDS WERE ALREADY BEING GARNISHED AND THERE WAS NOTHING ELSE TO DO BUT PAY OFF THE BALANCE. I PAID OFF THE BALANCE AND WAS TOLD TO GIVE THEM FAX NUMBER AND THEY CAN FAX ME THE RELEASE OF GARNISHMENT IN 24 HOURS. XXXX HOURS LATER HAVE NOT RECEIVED ANYTHING AND KEEP CALLING AND GETTING THE RUN AROUND. ALSO THIS DEBT IS OVER 10 YEARS OLD WHICH IS ILLEGAL AFTER 4-6 YEARS. 
I ALSO FEEL ITS VERY WRONG TO GIVE US THE RUN AROUND WHEN WE ARE TRYING TO DO THE RIGHT THING. I ALSO EMAILED WITHIN THERE WEBSITE ASKING ABOUT PAYMENT ARRANGMENTS AND ALSO MORE INFORMATION REGARDING THE DEBT WITH NO RESPONSE BEFORE THE GARNISHMENT. THEY DID ALOT BEHIND MY BACK TO MAKE IT LOOK LIKE WE WERE UNRESPONSIVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, please have these adrresses removed from my report. Please send an updated copy of my credit report to the above address listed on my ID. According to the act, there shall be no charge for the updated 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

There was a XXXX dispute letter sent to Equifax over 3 months ago on XX/XX/year> regarding XXXX unauthorized accounts. To date, Equifax has not responded to my request. I have included the FTC report, and the dispute letter which is dated and time stamped. I am requesting that the following accounts are deleted from my credit report within 4 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The Department of Justice instructed you on XX/XX/XXXXabout the criminal and looting activity of this filthy lying firm to investigate their criminal activity since is a custom of those lair to defraud people lie to their own clients def-rod them and find guilty at the superior court of PA and this was done together with the criminals from XXXX the most corrupted looter organizer on this planet.I would like to inform CFPB that I establish a Non-Profit organization that will have enough money ( I have a conformation of {>= $1,000,000} NOW ). SEC, Commerce Dept. and other Banking Departments will provide help from their Alumni legal system. I also have a Promissory note for a lot more money that will be deposit once we establish a complete system that will give victims like me a chance not only to bring to court only the companies that foreclosure illegal against their property but also criminals that did their best to foreclosure in order to collect a minim bonus for defrauding people. I want to make sure that each victim have a chance now to sue those criminal organization for fraudulent foreclosures as was the case with a  XXXX year old lady for a balance of only {$0.00} and a XXXX  person XXXX year old for a balance of {$0.00}. If this is not the worst criminal activity than nothing is. I will also organize a special account so people that lose their property can defend themselves in court without any fear, Why CFPB penalize only XXXX XXXX for {$1.00} bill and did not close the doors permanently to such a filthy Law Firms?? To learn that they can defraud your property only because your name is on the Deed this to me is more criminal than any terrorist organization activity in this planet. Such Law Firm is the biggest danger today in America and I will do my best to expose them and close their doors permanently. I have a simple question for those organization that confused fraudulent mortgages. If a family sale their property and only one sign the contract is that contract valid or not? It is clear that the incompetents from this Law Firms will declare that selling contract is a valid contract because they have a marriage certificate!!!!! I will never stop until I make complete light to the criminal activity that took place inside my property for which I do not have financial obligation. I also want to mention that a Judge from XXXX  named XXXX XXXX XXXX. was sentenced to 28 years in prison and I expect that in XXXX to see the same soon. I mention in my leeter dated XX/XX/2016 about those activity.
Product: Debt collection

Received a summons on XX/XX/2023. I sent a response to that summons on XX/XX/2023 certified mail and it was received by the plaintiff on XX/XX/2023. Today XX/XX/2023 I received a package from the plaintiff where it was dated XX/XX/2023. This package had a letter with one sentence on it stating these documents validate the debt. The package also contained several statements from the prospective credit card company. I have no knowledge of this, and they are not giving me the rights to appeal or contest. They also have not verified the debt with these statements. The notice did not include any of the communication that they tried to contact me about this said debt before issuing me a summons. The notice did not include any of the following : A statement that the communication is from a debt collector The name of the creditor you owe the debt to The account number associated with the debt ( if any ) ( shows all Xs except last four digits ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

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 USC 1681. 

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

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 USC 1681. Convergent Account Names 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 XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States Ihave 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit card

I received a home repair loan from the USDA in XX/XX/XXXX. The contractors work was delayed. The date was changed on the contractors work but was not changed by the XXXX  on my Promissory Note. When the work was completed on XXXX XXXX, XXXX the loan was put into action and because the Promissory Note date was not changed as was required by Paragraph XXXX XXXX XXXX ) of XXXX XXXX XXXX XXXX XXXX I was immediately past due XXXX months before I even received billing. As a result, the USDA reported me as not paying on my loan. I have since disputed the errors through XXXX and the late payments error has been removed. This was a horrible situation. In the meantime, I received a letter from Synchrony Bank cancelling my XXXX XXXX XXXX Credit Card based on the derogatory information reported to XXXX. The XXXX Account ending in XXXX is a small account. I recently paid off the account. I have never been late with a payment the entire time I had the account. Always paid on time. Never went over my credit limit, etc. The reporting of derogatory information by the XXXX  was no fault of mine. The XXXX  made the error and they fixed it. Now Synchrony Bank is hurting my credit. My credit score has also been restored.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX  account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX  account for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE INACCURATE INQUIRIES ON MY CREDIT REPORT I HAVE ALREADY DISPUTED WITH THE CREDITORS ADVISING I DID NOT GIVE THEM PERMISSION TO PULL MY CREDIT REPORT. 

XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018
Product: Checking or savings account

On XX/XX/2023 I was performing account reconciliations and noticed that two checks were XXXX checks out of sequence and for larger amounts. I immediately called the local branch we deal with and the branch manager told me I should have noticed it and called it in within 24 hours of the occurrence, that there was nothing they could do about it or were willing to do and he hung up on me. So we visited the other local branch and the branch manager there told us she was reporting it to their fraud department but it may take a REAAAAALLLLLY long time to resolve it. That is unacceptable, but we went ahead and reported it to them and to the sheriff 's department. We have also reported to the FDIC, Florida AG, California Division of Finance, and Florida and were told to report to you by them. It has been 6 weeks or so since we reported the occurrence and upon checking in with the bank today, they have still told us there is no news and will not let us speak to their fraud division. I do not know that they are even doing anything about it. I think they are liars and it is probably from within the bank. I think they need to be investigated. I have no notice that it has been submitted to their fraud department except her word and she won't let me speak to them.
Product: Debt collection

A collections report keeps appearing on my Credit Report for a debt that is not mine and I am never notified of the debt until it appears on my Credit Report.
Product: Credit reporting or other personal consumer reports

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 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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