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

On my XXXX  credit report it shows a delinquent account. This account went delinquent in XXXX, after an Ex refused to pay his bill after the relationship ended. I became aware of this delinquent account in XXXX when i pulled my credit report. It was bought by a new collections agency ( EOS CCA ) recently and that collections agency is reporting as a new account, using the date they bought it as the date it was opened. I know that this is illegal! They must use the original date, even if a new company purchased it. I filed a dispute and asked for the date to be changed but was denied. This account is showing to be opened on XX/XX/XXXX, when it actually went delinquent in XXXX. This past due account dropped off of my XXXX  report because it was not reported with the new date there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated Credit report, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and Section 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found accounts that are currently under litigation.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX and XXXX of XXXX, I have requested several times from XXXX to investigate the inaccuracies and to provide information regarding the proof received. No information has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries and collections account currently listed on my Equifax credit are fraudulent, unauthorized and not my hard inquiries or collections account : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM 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
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX XXXX {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX Owed : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX : {$2000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$140.00} -- -- -- -- -- -- -- TransUnion XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Owed : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Bank Of America sent me a 1099-C for a debt cancellation in 2020 for a debt I do not recognize.

I sent them a registered letter saying I did not recognize the debt and to my knowledge had not had any prior communication regarding this debt. I asked them to provide written verification of this purported debt, an itemization and dates of said debt, and the name and address of the original creditor. They did not comply with my written request. They only sent a letter stating, " After careful research we've determined that the TIN or SSN and the amount reported are correct ... '' They did not supply any of the verifications of the debt, dates of the debt, the name or names, and address of the original creditor.

I feel Bank of America is in violation of the Fair Debt Collection Practices Act because they have not complied with the above requested information.
Product: Debt collection

On XXXX I received a call at work from an unknown local number an a person stated I owed a debt of over {$1400.00} for medical services received in XXXX, AL on XX/XX/2018. I stated I did not owe any debt ( I had my files in from of me and all of my records clearly showed that I paid my deductibles and my insurance carrier XXXX paid the balances ). I continued to get multiple calls a day at work form various XXXX  area numbers demanding that I pay a debt that I did not owe and for which I had never received a bill. I asked that they quit calling me and send me a detailed account of the alleged charges. 

I continue to receive harassing phone calls. I am seeking legal relief and am contacting lawyers to see which one best suits my needs. 

I did call the medical service provider XXXX XXXX XXXX XXXX XXXX, AL ( XXXX actually XXXX XXXX XXXX of XXXX Alabama, then XXXX and XXXX ) and was directed to their new billing entity XXXX XXXX XXXX ( XXXX ). After a brief discussion with their representative, I was connected to a XXXX ( XXXX ) who verified that there was a XXXX   balance on my account. She said that there had been several problem and complaints about Phoenix Financial Services that they were having to deal with. While we were on the phone, she sent them a message ( Req. # XXXX ) logging a request to close my account as it had a XXXX balance.
Product: Money transfer, virtual currency, or money service

I am a victim of identity theft. Someone opened a fraudulent Money Gram account using my name and personal information and I cant open up an account with Money Gram. I have never applied for a Money Gram account.
Product: Debt collection

I have received several letters XXXX all sent on the same day plus each letter had different amounts with them increasing ( in one month alone ). In addition to the letters I have received multiple calls as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 n 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: Credit reporting, credit repair services, or other personal consumer reports

My husband had the credit card since XX/XX/XXXX with XXXX XXXX. In XX/XX/XXXX bank reported him 30-days-late. 5 month later in XX/XX/XXXX after being married in XX/XX/XXXX he added me as an additional authorized user. I never have used the card. The bank is reporting me 30-days-late on the account for XX/XX/XXXX. I did not have the card in XX/XX/XXXX. There is no way I could of been late as I did not have a card or no oblid=gation to pay. I have asked the bank and the CRA 's to remove the account. They have failed to do so. This is inviolation of federal and state laws.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX. XXXX, XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

For years, I have been going back and forth with two credit bureaus and my oldest line of credit because it is not being reported on my TransUnion and my XXXX credit reports. This was not always the case, but it is and has been for years. Both TransUnion and XXXX say that the credit line is not being reported and I should contact the credit line to have them report it. I contact the credit line and they not only tell me via phone that they are reporting to all three major credit bureaus ( XXXX, TransUnion, and XXXX ), but they send me letters from the XXXX XXXX Department stating that their records indicate that they ARE reporting to all three. The most recent letter was sent XX/XX/2021. 

I have sent proof of that documentation on several occasions. I have called, opened a dispute online, as well as submitted documentation via mail showing them it is being reported. However, as time goes on, the credit line still does not appear on either TransUnion or XXXX. What is equally frustrating is when you call; you have an artificial intelligence agent that you have to go through just to get nowhere. They constantly tell you to go online to dispute. However, since a missing credit line is not one of the items listed to dispute, the website does not allow for you to submit documentation for that issue. 

Knowing that my oldest line of credit ( which is 25 years this year ) is not reported on TransUnion and XXXX is frustrating because I know that your credit history is a good portion of how they calculate your credit score. 

I am beyond frustrated with this whole system. I wish the whole credit reporting thing didn't even exist ( and I have excellent credit ). Since we are so heavily surveilled and we have become the product ( since our information is sold over and over ), the least TransUnion and XXXX can do is report ALL of my current, open, revolving credit lines. We did not ask to be a part of this game. But since we are, at least treat us fairly.
Product: Credit reporting or other personal consumer reports

They my deposit over again and won't let me keep going from where I already was because they mistakenly closed my account. When I contacted them on the chat, they didn't fix the issue and proceeded to hang up basically then they close the chat on me. I have screenshots as evidence. I am adding to this report so I would like them to close my credit builder account for reporting in accurate information on my credit hindering me from buying a house at the moment, and I will be taking legal action so there might be a report. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is an elaborate mechanism that has assumed its role in reporting on behalf of I the Consumer without my written instruction to do so violating my federal right to privacy. Under 15 U.S. Code 1681 ( 4 ) there is a need to ensure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY. EQUIFAX is in violation of Federal law 15 U.S. Code 1681b ( a ) ( 2 ), I DID NOT give EQUIFAX a written notice to report on my behalf. EQUIFAX is violation of the following Federal Laws. 15 USC 1681e ( a ) - U.S. Code 1681a ( 2 ) ( B ) - 15 USC 1681i - 15 U.S. Code 1681e ( b ) - 15 USC 1681 - 15 USC 1602 ( p ) - 15 USC 1681e ( b ) - Regulation V 12 CFR 1022.3 - 15 U.S.Code 1681a ( q ) ( 3 ).

EQUIFAX is in violation under 15 U.S.Code 1644 ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, EBT card, can result up to a XXXX fine.
Product: Debt collection

PayPal has repeatedly called me to collect a debt due to fraud facilitated thru their platform. A PayPal user committed fraud and i was issued a chargeback. After the final investigation I was left having to pay the amount I was owed. 

I paid the full amount plus fees ( which I did not collect ) and PayPal has repeatedly continued to call me seeking re-imbursement even though they have already collected the funds.
Product: Debt collection

I received a credit monitoring alert indicating that a collection had been placed on my credit report. Professional Credit Management , Inc., was listed as the debt collector for an amount of { {$340.00} }. I contacted the collection agency and advised them that this is not my debt ; that I have never received any communication from them regarding this debt ; nor had I received any communication from an original company owning the debt ( since it is not my debt ) ; and requested that they remove this debt from my credit report. It has not yet been removed and, therefore, I am filing this complaint. I respectfully request that this debt be removed from all three credit bureaus ' files since it is not my debt. Thank you! move from credit report.
Product: Vehicle loan or lease

I brand new car of the a XXXX XXXX XXXX I had it for 4 months then I got XXXX inside the vehicle police confiscated it for evidence and I was paying my car not for a couple of more months. Then I realized they said I can get it after 30 days after the incident happened and I waited and kept calling them and nobody answered 3 months went by no answer from police department I stopped paying the note because I wasnt able to work at the time so I didnt have any income and I realized I wasnt getting the car any more. XXXX had the car from XX/XX/XXXX until XX/XX/XXXX. When they finally gave me a call back and said I can get my vehicle XXXX already picked it up a week prior of them calling me
Product: Mortgage

Ocwen services my loan, They are NOT the lender, They just service loans ( collect payments and pass on to lender ). I asked for the name of my lender but they have NOT provided that information. In fact, every email I have sent since original phone call comes back as non deliverable.Ther si no other way to contact them except by phone and that has not worked, They are currently under investigation by XXXX state regulators for irregular servicing activities, They have a horrible track record and their CEO was forced out. All I want is the name of my lender!! Ocwen loan # XXXX
Product: Credit reporting or other personal consumer reports

I have been getting frequent calls daily from debt several different companies ( or scammers ) offering debt loans relief, student loan relief, underwriting teams (? ), debt collection agencies that wont tell me who they represent. My checking account was compromised twice in XXXX. My data was leaked to the dark web, according to my credit report. And my payments were delayed ( late ) because of this which had a domino effect. My credit score went down XXXX points. I believe due to the major data leak in 2024, all of my personal information was used against me. I have not been able to bring my credit score up because the damage was major. It is an FCRA violation ; my information was not protected and I can not account for people using my identity, increasing debt, and negatively impacting my credit score.
Product: Vehicle loan or lease

Request for refund under Section 15 U.S Code 1605 Determination of finance Charge. I hereby exercise my right to rescind the agreement under the provisions of the CFR 1026.23 Right of rescission.
Product: Payday loan, title loan, personal loan, or advance loan

I filed chapter 7 and this was included in that so I would like it removed from my credit for that reason. 

Conns XXXX XXXX XX/XX/year> {$3800.00} XXXX
Product: Debt collection

I contacted them to cancel my service as they never worked on my problem but they are not picking my calls and answering my messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute to Experian via experian website for a Bankruptcy showing on my credit report on XX/XX/2018 and they said that they verified the Bankruptcy on XX/XX/2018 but after sending a letter to the court house they listed on the dispute results on XX/XX/2018 the courts replied on XX/XX/2018 that the US Bankruptcy Court does not report to credit bureaus. I submitted a new dispute today, XX/XX/2018 and submitted the letter from the courts and requested to have the item removed but have not received a response as of yet.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and/or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where Experian and XXXX has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.