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

Dispute Description : I am disputing an account reported by United Revenue Collection Service on my credit report. The company has responded to a previous complaint stating that the account " does not belong to them. '' This account is a collection account, not a repossession, and the reporting is inaccurate and unverifiable. 

Details of the Issue : The collection agency has disclaimed ownership of this debt, stating it does not belong to them. 

Despite this, the account remains on my credit report, which violates the Fair Credit Reporting Act ( FCRA ), as all reported information must be accurate and verifiable.

Resolution Requested : 1. Remove the collection account from my credit report immediately.

2. Conduct a full investigation to verify the validity of this account.

Supporting Evidence : Response from United Revenue Collection Service stating that the account does not belong to them. 


Thank you for resolving this matter promptly.
Product: Vehicle loan or lease

With Penfed Credit Union, I had a credit card account, line of credit, and a car loan. I had let the credit card and line of credit default as I am on a debt settlement plan. They have since charged off these 2 accounts and have disabled the ability to pay my car loan as a retaliation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Payday loan, title loan, or personal loan

I am so shocked to see the huge interest charged on the loan. The {$1500.00} loan was opened on XX/XX/2023. Today XX/XX/2023, I checked the account. It said that the outstanding balance is {$1700.00}. The interest is already {$270.00}. It's so ridiculous because it was advertised that it was a government loan so it had 0 % APR. I didn't know about this unexpected high interest. I kept calling to the company to ask them about it. However no one answer my phone. I felt like I got rid off by the fraud advertisement and contract.
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. 

Account name XXXX, Account # XXXX, Account name XXXX XXXXXXXX, Account # XXXX, Account Name XXXX XXXXXXXX XXXX Account # XXXX, Account Name XXXX XXXX  XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account # XXXX, Account Name XXXX Account # XXXX, Account Name 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. 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: Debt collection

I moved out of  XXXX   XXXX  in  XXXX   XXXX . In  XXXX   XXXX , the apartment complex engag ed IQ Data International dba R ent Collect Global to collect a debt of {$120.00} they claimed I owed for cleanout of the apartment I vacated in  XXXX   XXXX .  <P/> I disputed this debt with both the apartment comple x and IQ Data. B oth parties maintained that I owed the debt.  <P/> I sued the apartment complex  in Justice Court to have the d ebt cleared and my apartment deposit returned. On  XXXX   XXXX ,  XXXX  t he Justice of the Peace issued  the judgement on this case in my favor. In  XXXX   XXXX , the  XXXX   XXXX  wrote a check to pay the court costs and return my deposit.  <P/> 
IQ Data has refused to stop reporting this debt to the credit reporting agencies   XXXX   XXXX   XXXX   XXXX  . I   disputed the debt directly with all  XXXX  credit reporting agencies.   XXXX   and   XXXX   have removed the collection from my report.  XXXX  has not.  <P/> Per my current  XXXX  credit r eport, IQ Data Collections has inc reased my debt due to interest owed to {$130.00} and continues to report this debt as of  XXXX   XXXX ,  XXXX . I have written  to both IQ Data and  XXXX  on multiple occasions to remove this mark from my credit history, but IQ Data maintains that I owe the debt despite being presented with the court 's judgement.
Product: Debt collection

There are two collections on my credit report for equipment not being returned from this collection agency when I have in fact been returned it years ago In 2020. I have sent proof and they are still saying that all of it has not been returned. A collection of {$1000.00} total still remains on my credit report for one piece of equipment that was returned along with the other equipment at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has reported on my Trans Union report on ( XX/XX/2018 ) I do NOT know what these are and they don't belong to me. i don't have any accounts with this company. I need these marks taken off my Trans Union report immediately.
Product: Debt collection

I see an entry on my credit report from XXXX XXXX XXXX in regards to a Collection account past due from Flexshopper LLC. I have never done business with Flexshopper nor have I done business with XXXX XXXX XXXX. Also the address they are saying the person who took the account out lives ate XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never lived at that address. That address on XXXX earth shows up as a hotel not a single family address. I have lived in XXXX  XXXX for the pass 10 year and before that I lived in XXXX  XXXX. I have no clue why this account is on my recorded unless someone sole my Id. I have tried to call XXXX XXXX XXXX and keep getting directed to leave my phone number and name for them to get back to me. I feel that this complain is a scam and refuse to give them my number. Also when I checked my credit report it showed that I have never payed them any money and now it shows that {$28.00} has been payed. I did not pay them and would not ever pay them. I tried to deal with XXXXXXXXXXXX  to have this removed from my credit report and they only come back with Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
I do not understand how they can do this when I have never done any business with ether of the companies in any shape or form.
Product: Checking or savings account

On XX/XX/XXXX, I was sent a payroll receipt from my paycheck. It did not get credited to my account that day. I checked Friday morning, and the same thing. No direct deposit. Capitol One had encountered some sort of " outage '' thru their finance technology supplier XXXX ( for which there is no public contact information ). It is now XXXXXXXX XXXX on Sunday, XX/XX/year> and I am still without my paycheck. Capitol One claims to have fixed the problem, but there are still hundreds of people without access to their funds. The customer service agents have taken to the strategy of hanging up, lying, or becoming hostile. I am missing {$380.00}.
Product: Credit reporting or other personal consumer reports

I purchased an Experian paid membership. During that time I had frozen my credit reports due to suspected identity theft. When I froze my accounts, I had also turned on two factor authentication or multi factor authentication with my old phone number. During XXXX, I upgraded my XXXX and got a new phone number. 

Experian does not allow me to get past the first layer of security to authenticate my information because it is sending a code to my old phone number. I can not get past the first layer of security to speak to someone about my problem. 

I have tried using the alternative option, but the alternative option does the same thing online it will ask me for my Social Security number my date of birth and then it says enter the code that we sent to the phone number. You have registered on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was denied credit for a XXXX credit card I was told reason for denial was there is 2 accounts that are either paid or unpaid reporting as negative. I was advised to contact XXXX  because I told them that information is incorrect and Ive been trying to resolve this issue with XXXX. Ive written them several times with no response except they will not re-investigate these accounts for me unless I have additional proof. I also tried several times to reach a live human to speak to but thats impossible. I am upset at the fact that XXXX  will not delete or remove these 2 accounts that are reporting negative. It is affecting my credit score and creditworthiness.
Product: Debt collection

I am not liable for this debt with IQ DATA INTERNATIONAL INC. I do not have a contract with IQ DATA INTERNATIONAL INC ; They DID NOT provide me with the ORIGINAL contract as I requested. They are also reporting them as being the ORIGINAL CREDITOR which is false Thank You. I have no clue of this debt and have asked them multiple times for the ORIGINAL contract with my hand signature provided agreeing to terms of this contract. This was requested over 30 days ago. They have failed to meet guidelines provided within FCRA Handbook and would ask that this promptly be deleted from my credit report
Product: Debt collection

This debt was actually included in a chapter XXXX bankruptcy which has been discharged. After numerous attempts with via phone and email to the debt collector and also with the credit bureau this issue still remains on my credit report as a collection account with a past due balance. The amount of the collection is {$820.00}. The date of the initial debt was XX/XX/016.
Product: Credit card or prepaid card

I purchased a Tv from the XXXX website and opted for the finance promotion offered on that website. I have been blocked from logging in online for several months and have not received a statement. The first I have heard from the lender is the delinquency warning which is attached. 

Online lenders should be required to offer acess to make payments online and should not prevent users from registering to view their accounts.
Product: Credit reporting or other personal consumer reports

Experian refuses to remove a collection account from XXXX, XXXX, and XXXX. They also are miscalculating my XXXX XXXX which is hurting my credit. Please assist me in rectifying this important matter.
Product: Debt collection

I never received a letter, email or phone call when they took over the debt back in XXXX, and it just showed up on my credit report in XXXX. They are charging me interest rates on a medical debt when the original debt collection agency ( XXXX  ) was not, and they say the interest charges will never stop if i don't pay. They refuse to take any type of settlement payment, and when i asked for a written statement disclosing the process of what happens ( he owes this much, on this payment and this is what happens after you pay, etc ) and he said no. They also told me that the derogatory mark in collections will stay there even after 7 years? ( I thought it wouldn't be considered a derogatory mark after i payed it ) He then oppressed me by saying he thinks i'm insecure because i'm asking them for confirmation they wont steal my money like so many other people claim have happened. This is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have been reporting to my credit as a collection on Experian and XXXX the debt was paid and the company agreed to remove from my credit report. XXXX have no problem removing it.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8200.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX  XXXX XXXX XXXX : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$620.00}
Product: Credit reporting or other personal consumer reports

My report is showing an account that belong to someone else, which is unfairly impacting my credit score.
Product: Student loan

They reported that I was late on payments from XX/XX/2019 until XX/XX/2019. I submitted information inXX/XX/XXXX of last year to defer my payments until I could find work, it should have been current in XX/XX/2019. I called them and evidently they didnt receive documentation on the deferred, so they didnt process it but I specifically remember mailing it in. I didnt receive a phone call that told me I was late or a letter. When I finally found out I was late i.XX/XX/2019 I was able to defer it.
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 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.
Product: Money transfer, virtual currency, or money service

I am filling against cash app ( block, ind ) due to inadequate customer service and unfair practices.
Product: Credit card or prepaid card

XXXX charged my Visa Chase card {$1100.00}. On XX/XX/2018 for a reservation l did not make. Visa refunded the amount in XX/XX/2018 and recharged my account in XX/XX/2018 for {$1100.00}. I have called XXXX, the hotel involved in XXXX, FLA and the XXXX XXXX XXXX to verify where l was. I sent reservation papers to Visa, because l was in XXXX at that time. But had nothing to do with XX/XX/XXXX. My reservation 's were made by XXXX and paid by them for XX/XX/2018. 
I can not make online purchases using my Visa, Mastercard or XXXX. IAMXX/XX/XXXX and must shop on line. 
PLEASE HELP ME CLEAN THIS UP. 
When l try to order l get a message that my card has been blacklisted???????
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 XX/XX/year> AND XX/XX/year> 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 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : Dispute of Inaccurate Information Under FCRA Section 1681o Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 1681o. After reviewing my credit report, I have identified the following items that I believe are incorrect : Item ( s ) in Dispute : [ List the specific account ( s ) or item ( s ) you are disputing, including the creditor 's name, account number, and the nature of the dispute, e.g., inaccurate reporting of payment history, incorrect balance, fraud, etc. ] I request that you investigate the accuracy of this/these item ( s ) and remove or correct any errors found. Under the FCRA, you are required to investigate and resolve my dispute within 30 days.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I spoke to Navient  XXXX / XXXX / XXXX  because I am currently in a income driven plan for 12 months which ends on  XXXX / XXXX / XXXX . Was calling for an extension. My {$44000.00} taken out in  XXXX  is now {$110000.00}. I currently pay $  XXXX /month. They want to take my payment to {$480.00}, however the current payment is difficult but I am swinging it. There is no way I will be able to pay that and my  Federal Loan is coming due as well. They have no other options for me and was advised if I do not t ake that I will end up having to pay $  XXXX /month.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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. Experian, XXXX, 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 XXXX 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 Experian, XXXX, and XXXX are 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$0.00}.