23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Caller named XXXX XXXX called my employment. When I called him back he immediately raised his voice and started yelling at me and arguing with me. He would not give me any information as to what type of debt he collecting. I told him that he was not allowed to call me at my employment and he continued to argue with me in a very violent harassing manner. He hung up on me and then immediately called me back to " prove a point '' is what he said.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to a credit for XXXX XXXX XXXX XXXX XXXX to update the debt to reflect ZERO balance or paid in full/closed as of XX/XX/XXXX. I submitted documentation to support the update request. I have contacted Experian numerous times, specifically, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After several attempts to get this account updated correctly, my Experian dashboard is updating the account balance as open/never late and displaying a balance of {$9200.00}. Again, the balance should reflect {$0.00} paid/never late. Each time I contacted Experian, I specifically requested for this account to be updated since I provided supporting documentation that the account is paid in full and closed. Again, this is a lack of attention to detail on behalf of Experian. The supporting documentation was submitted at the time the original dispute was filed. Experian should check their files for supporting documents, prior to updating the accounts, which would have played a critical role in a much quicker and accurate update. It Experian contacted the creditor XXXX XXXX XXXX XXXX XXXX, they would have confirmed that the information supporting document is sufficient for accurately updating the account. Each time I request the information to be updated correctly, it requires a new dispute which causes further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a several errors & inaccurate information being reported on my credit report from XXXX XXXX XXXX credit bureaus. There is a Bankruptcy being reported on my personal credit profile with XXXX, XXXX as verified. I received letters from both company 's saying they verified this Bankruptcy XXXX XXXX. I was wondering how did they verify this information when the Clerk from the BANKRUPTCY COURT OF THE XXXX XXXX OF VIRGINIA sent me a letter stating they do not repot information to credit reporting agencies and Lexis Nexis, and they also do not VERITFY INFORMATION WITH CREDIT REPORTING AGENCIES!! I have provided proof of my address and documentation showing that I live at XXXX XXXX XXXX in XXXX NC XXXX XXXX XXXX XXXX. I also have already provided a copy of my SSN and driver licenses. My Social is # XXXX. UNDER THE FAIR CREDIT REPORTING ACT, I HAVE PROVIDED ADDITIONAL INFORMATION SUPPORTIN THIS DISPUTE.
Product: Mortgage

PNC Bank in XXXX, N.C. summited a loan application to XXXX without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX 2010, I have sent over twenty certified letters to both EQUIFAX and XXXXXXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EQUIFAX : a ) XXXX XXXX XXXX Acct No. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DBA XXXX XXXX has on my credit file a {$280.00} dollar amount showing on my credit file. There is no {$280.00} dollar written off amount. 
there is no money owed on this account or written off. 
I need proof as I have provided to Experian that the account was paid off and there is no amount owed. 

I have mailed from the creditor as proof there is no written off amount or balance owed. 
I have provided a letter from the credit department to show proof of the account
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 rights to privacy.

15 U.S.C 1681 A section 604 A. Section 2 : its also states a cunsumer reporting agency can not furnish a account without written permission instructions. 

The following accounts below are on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX  Inquiries : 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, credit repair services, or other personal consumer reports

FRAUDULENT INQUIRIES
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 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

I have 3 collection accounts on my report that I have been disputing for a year XXXX, XXXX XXXX XXXX XXXX XXXX. I have spoken to the creditors of each of these companies they represent none of which have been able to produce documents signed by me or copies of my DL or anything showing its a legitimate debt owed by me. The only documentation I did receive had my name, my social, and all the other information was incorrect address phone number insurance employer, none of it matched and XXXXXXXX XXXX was supposed to reach out and provide this documentation which they have not.
Product: Debt collection

I have 2 XXXX XXXX XXXX and Portfolio Recovery Associates reporting on my credit report and these accounts do not belong to me. I have written both companies several times and they both fail to send me any type of agreement between me and XXXX XXXX XXXX. I have been contacting them both for over a year. One account credit limit say XXXX, previous balance is XXXX and new balance is XXXX the other account from XXXX XXXX XXXX sent two different invoices with the amounts of previous balance XXXX XXXX with a new balance of XXXX with fees and interest charges of XXXX the other invoice that is associated with the same account has a credit limit of XXXX, previous balance of XXXX and new balance of XXXX interest charged XXXX. I have security alerts with the 3 bureaus.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against Equifax and TransUnion for Failure to Conduct Proper Investigations To Whom It May Concern, I am writing to formally file a complaint against Equifax and TransUnion for their failure to properly investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes, these credit bureaus have failed to conduct a thorough investigation into the erroneous accounts and inaccurate data reported on my file. In contrast, XXXX has accurately reflected the necessary corrections, proving that Equifax and TransUnion are not adhering to their legal obligation to ensure maximum possible accuracy.

Because of their negligence, I have suffered financial harm, including but not limited to : 1. Denial of credit opportunities 2. Increased interest rates on loans and credit cards 3. Emotional distress caused by their failure to correct inaccuracies Under the FCRA, both Equifax and TransUnion are responsible for conducting a proper reinvestigation and correcting all inaccurate information in a timely manner. Their failure to do so has directly impacted my financial standing, and as a result, I am requesting that they be held financially accountable for damages.

I demand the following corrective actions : 1. A full and proper investigation into my disputes, with corrections made to my credit file immediately.

2. Compensation for the financial harm and emotional distress caused by their failure to maintain accurate credit reporting.

3. Written confirmation that my disputes have been resolved and my credit file reflects accurate information.

I urge the CFPB to take appropriate action against Equifax and TransUnion for their negligence in handling consumer credit disputes. Please confirm receipt of this complaint and provide me with updates on any actions taken regarding this matter.

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

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX IN ACCOUNT XXXX 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 or other personal consumer reports

I sent my FTC report, XXXX  Drivers license by certified mail to TransUnion, XXXX, and XXXX. I have fraudulent accounts reporting on my consumer report. I will be filing a civil suit also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Im the past years I have contacted Experian n explained the misinformation that was on my credit report. For instance, I noticed my ex girlfriend is using my information for her person gains like my address, phone #, my name, my parents name etc etc. now, recently I noticed my emails have been compromised on the dark web and Im really concerned and nervous. Can a representative or agent contact me from Experian asap. Anytime of day, any time.. I will also I like to discuss another matters too. 
Thank you for your time, much appreciated, XXXX XXXX
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 confidentially under 15 U.S.C 1681. 

I told Experian, XXXX, and XXXX to investigate these accounts : XXXX  account # XXXX, and XXXX XXXX account # XXXX. However, they stated everything was accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC1681 1i ( 5 ), the are supposed to modify accounts that isn't responding 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 an account with 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 terms of information or any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C. 1682s-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

This is my six request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX  XXXX  XXXX  and currently have a XXXX XXXX  from Wise credit LLc they have only reported my payments to one credit bureau which is not effectively building credit resulting in no credit score at all on two bureaus - this needs to be reported to call CBR 's to help my credit profile and is my right as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 i file a cfpb complaint with Experian and XXXX and still haven't Responded, modify, or deleted anything. This is against my rights its been 30 days as well. 

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

Capital One is reporting on my credit report as derogatory, has been since XXXX. This was a car loan with 72 monthly payments with one 30 day late payment. Loan was open in XXXX. The primary owner my XXXX spouse XXXX passed in XX/XX/XXXX. I just recently started to have errors on all three of my credit reports updated. I have been trying to get this account removed because it is over 7 years. I called XXXX, in XXXX, they said it is set to be removed in XX/XX/XXXX. Instead of removing the account or updating the information. Capital One is now reporting to all three credit reports ( XXXX, XXXX   XXXX  ) as 2- 30 day late payments. I thought after seven years it has to be removed and why are they doing any update or reporting on a paid as agreed CLOSED account??? They just updated the account to the credit bureaus in XXXX and XXXX, are they allowed to report or update on a closed account?? The account was paid off in full XXXX. It is also reporting twice on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

Based on the apparent inaccuracies shown in the enclosed credit report, it is evident that these companies have reported my data falsely. 
Please note that Experian is reporting a 60 day late payment, while there is no 30 day late payment ever. 
Also XXXX and XXXX both show a 30 day late payment and a 60 day late payment. I am very certain that my payments were always made in full and on-time.
Product: Credit reporting or other personal consumer reports

While reviewing my consumer report I came across inaccurate and harmful information the following accounts that are being reported are violating my consumer right 's These accounts are being reported as a collection, I have no knowledge of these accounts they are a fraud, I have filed an Identity thief report with the federal trade commission. FTC REPORT XXXX the accounts are as follows ; XXXXXXXX XXXX  XXXX - COLLECTION/ CHARGEOFF. 
XXXX. XXXX COLLECTION/CHARGEOFF. 
XXXX. XXXX XXXX Late payment. 

Furthermore the following inaccurate and fraudulent address are also being reported on my consumer report. 

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 XXXX XXXX Along with these inaccurate inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed all the above inaccurate information with the alleged creditors and the credit bureaus, put they have refused to answer my disputes. These Agencies HAVE NOT PROVIDED VALIDATION INFORMATION UNDER 12 CFR 100.34 ( b ) ( 5 ) BUT YET THEY PLACED A COLLECTION ON MY CONSUMER REPORT. 

Furthermore I was never given a chance to dispute these accounts according to 12 CFR 1006.34 ( C ) ( 4 ) ( 1 ). These alleged creditors and collection agencies have violated my consumer rights by using false and misleading and misrepresentation and deceptive tactics. The credit bureaus and collection agencies have no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law. They are in clear violation of the law 12 CFR 1006.34 ( d ) and 15 USC1681-S 2 ( 7 ) ( A ). I REQUEST ALL THE ABOVE INAACURATE INFORMATION BEING REPORTED ON MY CONSUMER REPORT BE DELETED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing this statement to provide details regarding the unfortunate incident in which my identity was stolen. This experience has had significant impacts on my personal, financial, and professional life. 
On XX/XX/23, I first became aware of suspicious activity upon being released from being incarcerated, after being released I noticed that my phone was stolen, my home had been broken into & it was a check that was cashed in my name through my bank account.After further investigation, I discovered other unauthorized transactions, & that all of my immediate funds had been stolen. 
I immediately took steps to address the situation by contacting my bank, filing a police report, placing a fraud alert on my credit report, etc.Despite my efforts, the incident resulted in financial loss, damage to my credit score, emotional distress etc. 
I am committed to cooperating fully with XXXX  XXXX to rectify this issue and prevent further damage. I can attach any relevant documents that may assist in your investigation, including police reports, bank statements, credit reports, etc. 
Please feel free to contact me should you need any further information or clarification.
Product: Credit card or prepaid card

On XX/XX/2022 I have purchased online an airline ticket from XXXX. The reference number is XXXX one-way flight on XX/XX/2022, from XXXX, XXXX to XXXX Florida XXXX for my son. Because of the chaos of war warnings etc. I have purchased XXXX failure insurance. In the process of paying over the phone, a XXXX Customer representative charged my Chase Credit card XXXX times the purchase price of {$950.00}. the amount of XXXX X XXXX = XXXX. I called the representative at XXXX XXXX the next day and asked them to remove XXXX of the charges, however, a few days later they did not remove them so I started a dispute with my Chase Credit Card. Eventually XXXX removed XXXX payments. Because of the war in XXXX, the flights from XXXX XXXX were cancelled and the Ticket was not used. 
I have called XXXXXXXX XXXX for the refund, however, they did not want to talk to me because ongoing Chase dispute. I have contacted Chase dispute service several times and they promised to resolve this issue. After multiple phone calls, faxing from their branch and emailing them documents they did not resolve the issue and enable me to talk to XXXX XXXX to get a refund. On XX/XX/2022, I have contacted the Chase dispute team and they made another promise to resolve the dispute, but today XXXX it was not resolved. Almost a year passed and I have left with an empty promise, a bill and without a ticket for my son to fly from XXXX and money to purchase another ticket. Please help because the Chase Credit card dispute department does not take my case seriously or is careless. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a small loan thru moneylion {$1000.00} I paid it off early on XX/XX/XXXX 10 months early because Im trying to buy a home they report on XXXX of each month but they reported on XX/XX/XXXX on XXXX that i was 30 days past due and over line of credit XXXX same on XXXX on XXXX they reported XX/XX/XXXX XXXX balance I owed I have email from them on XX/XX/XXXX Paid off I called them on XX/XX/XXXX when i saw the updates I spoke with a supervisor he opened a escalation and told me it will be fixed in 30 days I told him no I need it now I need to close on a house he said 30 days again so now it has been 30 days i checked all 3 credit bureaus today XX/XX/XXXX same amounts still showing I called moneylion back they said they will open a new escalation 30 more days I said no no no I demand to speak with a supervisor NOW he said hold on then he said the supervisor said ok to hang on me and that escalation dept will be in contact within 30 days I cant buy my house till I gets this corrections my lease up I had to move my furniture to storage having to move in with my sister because I dont want to lease again I want to buy the house