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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute an inaccurate item on my credit report. Upon reviewing my report, I noticed an error regarding an account from Midland Credit Management with a balance of {$2400.00}. 
The inaccuracy pertains to the payment status and amount past due. The report lists the payment status as Collection/Chargeoff, yet the amount past due is " Not Reported '', which is inconsistent. If the account is indeed in collections, the past due amount should be reflected. Additionally, if this debt has been charged off, further clarification is needed regarding the current standing and whether it has been transferred or settled. 
Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and correct any inaccuracies. Please provide documentation verifying the accuracy of the reported status or update the record accordingly. If the account can not be verified, it must be removed from my report immediately. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Security Credit Services, You have reported an account to the credit bureaus on my behalf. I have no knowledge of this account nor do I have any agreement or contract with your company. I have never received any communication from this company and all of a sudden this account appeared on my credit report. This is a blatant violation of my consumer rights. Stop reporting this illegitimate account immediately.

Please furnish our original contract as well as confirmation that you have contacted.e regarding this account. Additionally, the account shows the Original creditor to be XXXX so also furnish your original purchase agreement with XXXX. 

Cease and desist all communication with me or anyone else regarding this matter effective immediately to ensure that my privacy is protected in accordance with the law.
Product: Checking or savings account

At XXXX XXXX on XX/XX/2020, I attempted to withdraw {$240.00} from my cash App card at an ATM Machine in a XXXX XXXX store located on XXXX XXXX XXXX, XXXX  XXXX, MD XXXX {$240.00} was taken from my account balance ( {$240.00} the amount I requested, {$3.00} ATM fee, and {$2.00} Cash App fee ). However, I did NOT receive any cash from the ATM machine. I have attempted to contact both Cash App and XXXX XXXX on numerous occasions and neither of them has got back to me.
Product: Debt collection

ON XX/XX/XXXX A NEW COLLECTION CAME ONTO MY REPORT UNDER THE NAME TRANSWORLD SYSTEMS STATING ACCOUNT WAS OPEN ON XX/XX/XXXX FOR ORIGNAL CREDITOR NATIONAL GRID. I HAVE NEVER RECEIVED ANY TYPE OF COMMUNICATION FROM THIS COMPANY NOR HAVE I RECEIVED COMMUNICATION FROM NATIONAL XXXX. IN RECENT MONTHS NATIONAL XXXX WAS DELETED OFF MY CREDIT REPORT AS THIS IS NOT MY DEBT I HAVE NOT LIVED IN NEW YORK FOR YEARS AND I WAS NEVER CONTRACTED WITH NATIONAL XXXX  NOR WAS I CONTRACTED WITH TRANSWORLD SYSTEMS THIS COMPANY NEVER SENT ME ANY PAPERWORK NO PHONE CALLS NOTHING I WASNT EVEN GIVEN TIME TO DISPUTE THIS DEBT WHICH I WOULD HAVE DONE SINCE THIS ISNT MY DEBT. THIS ACCOUNT POPPED UP OUT OF NOWHERE IM NOT SURE HOW THIS IS EVEN LEGAL TO SAY AN ACCOUNT WAS OPENED 3 MONTHS AGO BUT IVE NEVER ONCE HEARD OF IT UNTIL IT NEGATIVELY RUINED MY CREDIT REPORT.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX,2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXXXXXX {$4300.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Payday loan, title loan, personal loan, or advance loan

On multiple occasions the company has called my brother. He is not a cosigner and it not involved in my loan. They have my contact information but continue to call him from different numbers as he blocks them.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found fraudulent accounts on my credit report. Please remove these accounts from my report, they're hurting my ability to obtain access to my credit. There are companies reflecting on my credit report that stole my identity. Identity theft is the fraudulent acquisition and use of a person 's private identifying information, usually for financial gain. These companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX are NOT licensed in the STATE OF TENNESSEE TO COLLECT ANY DEBT. The Debt collectors are Illegally attempting to collect a debt. The debt collector has already BOUGHT the DEBT, and is attempting to collect on a debt that is considered income and most likely taxable. I'm requesting XXXX, XXXX, and Transunion to remove these fraudulent accounts from my credit report. considering the fact that I received NO correspondence from the debt collectors letting me know they will report to my credit report which is a violation of my rights as a consumer under the FCRA. I HAVE NO CONTRACT WITH THESE COMPANIES! I'm not talking about the ORGINIAL CREDITOR. Once the debt is bought the original creditor is taken out of the equation. No proper validation of debt has been provided. 



Providing me with the contract that I have with the debt collectors. IF this item is unable to be provided in a timely matter I request that XXXX, XXXX, Transunion removes the fraudulent accounts from my credit report. {$1000.00} per violation, I would like a check mailed to me at the address XXXX, XXXX, and Transunion has on file In the event that XXXX, XXXX, Transunion fails to remove these fraudulent accounts and sends me a check for the violations. I will be forced to file a lawsuit against XXXX for violating my rights as a consumer under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account is reporting in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with XXXX XXXX XXXX and they have failed to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, XXXX issued a credit card to a thief in Florida. I live in NJ, never live in FL. After I called XXXX, I faxed a file and sent 2 mails to dispute it. the documents included NJ driver license, home equity loan bill with NJ property address, and my NJ utility bill to prove that I never live in FL. XXXX did not have any response. I hired a lawyer to send similar document to XXXX  & Equifax in XX/XX/XXXX and XX/XX/XXXX. These 2 companies completed investigation without any change. Equifax even did not remove all of FL addresses generated by thief. Even credit unions ' report along shows 3 evidences that XXXX and the 2 report companies did poor job.

1. Credit report shows 2 reports from XXXX for the same fraud account. One report shows every payment is OK. The other one shows 4 late payments. Two reports show opposite results.

2. The account had more than {$3000.00} balance in XX/XX/XXXX. I don't think that the thief would pay the balance. The balance is XXXX since XX/XX/XXXX. XXXX was cheating on this balance. 
3. XXXX 's report made credit union companies believe that I paid off the balance, so that the fraud account belongs to me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$150.00} - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Balance {$900.00} - Date Opened XX/XX/XXXX DEPT OF ED / XXXX # XXXX -Balance {$3500.00} - Date Opened XX/XX/XXXX DEPT OF ED / XXXX # XXXX -Balance {$6000.00} - Date Opened XX/XX/XXXX US DEPARTMENT OF EDU # XXXX -Balance {$4800.00} - Date Opened XX/XX/XXXX US DEPARTMENT OF EDU # XXXX -Balance {$10000.00} - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -Balance {$1700.00} - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$50.00} - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DPT EDXXXX # XXXX -Balance {$6000.00} - Date Opened XX/XX/XXXX DPT EDXXXX # XXXX -Balance {$3500.00} - Date Opened XX/XX/XXXX XXXX XXXX # XXXX -Balance {$840.00} - Date Opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been banking with SoFI for about a year now. I received my direct deposit from my job of roughly {$1500.00} last night like I have been every other Wednesday/Thursday for the past year and when I attempted to send my roommate money for my bills I got an email saying my account was restricted. When I call them I am repeatedly told they have no idea why, no update on the status, no direction on what I can do or provide to fix this, and 2 of their people even hung up on me even though I wasn't rude nor did I raise my voice/become belligerent. I am in danger of being homeless if I am not able to reach my funds.

Direct Deposit + Account frozen on XX/XX/28. 

I have observed that this has been happening to plenty of other people as well via various Social Media platforms, and I refuse to be another one of those people sitting by while this company steals my money. I am already seeking a lawyer because they think we don't have access to legal resources to fight for what's ours- we do.
Product: Credit reporting or other personal consumer reports

For the last three years, I have disputed a bankruptcy reported on all three credit reports ( XXXX, XXXX, and Equifax ). I haven't received any correspondence from the reporting agencies about why it can't be removed. I understand it is a public record, but I did not permit for the credit reporting agencies to place it on my credit report. I have a letter from the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX  stating they did not permit the bankruptcy to be reported to all three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

FCRA 605B, if I'm not mistaken, requires us to remove any inaccurate accounts from my credit report. Could you please check the documents? Some of the listed accounts contain inaccuracies regarding reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

Be clear on this request I'm not asking but informing the credit reporting agencies XXXX, XXXX and TRANSUNION that they are not abiding by laws in place for improperly and inaccurately reporting information to my XXXX XXXX XX/XX/XXXX I disputed the validity of a late payment with XXXX XXXX XXXX parties above have responded that it was validated by XXXX so at this point XXXX would like to know the ID # ' of persons that contacted creditor and who they spoke with along with contract I originally signed, payment Ledger and what my form of payment was and dates. Also date they spoke with representative from XXXX if this can't be provided within 15 days I will be requesting this matter to be handled legally ( ADR ) this matter had caused a lot of headache and works against my crefit worthiness.
Product: Credit card

upon checking my credit report on XX/XX/XXXX, I noticed a charge for XXXX reported to my Saks Fifth avenue credit card. i immediately called Saks. i was told i needed to contact fraud department and asked if she could connect me or i needed to call back.. at that point she said she was fraud department ( untrue ). i've called about 10 different occasions and each person gave me tidbits of information and no two agents gave the same info. my card was charged twice in New york on XX/XX/XXXX totalling just under XXXX. I told rep that i was never in New York. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX of last year i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. i've obtained a copy of the trip, no one would accept this information. The card is in my presence, it was never activated and my credit limit before this fraud occurred was only {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX I worked with an agent of this company to set up the first round of payments to cure my loans from Covid related unemployment. The agent set one payment up without the cents and the company charged A loan off for XXXX when they had an open promise to pay. Thats issue 1.

2 After I made the first and sole of the next/final payments, the company then posted the accounts as open and late and have not updated now 47 days after payment to include status, paid in full, or the month and amount of payments applied. 

3. On XX/XX/XXXX this company reported the charged off loan as a 90 day delinquency when they no longer owned the debt and it was placed in 3rd party on XXXX XXXX in violation of Consumer Protection Acts and FCRA 1970. 

4. They breached section 16 of their own loan terms for processing charge offs and for reporting any debit related information in timely manners. Their actions on XXXX XXXX is a direct retaliation against my inquiry of the credit report, of them, and pointing out their own material breach making them liable for their own debt. 

5. This company continues to only respond with canned messages and deletes the content of messages that were requested left intact for future litigation. They are actively shredding records.
Product: Checking or savings account

Money was fradulently taken from my chase account on XX/XX/2022, in the form of ACH and wire transfer on XX/XX/2022 I received a credit of {$5000.00} for the ACH claim, until this date, I still have not received no credit for the wire claims of {$10000.00} and {$5000.00} totaling {$15000.00}, Chase send me a letter stating they approved the claim on XX/XX/XXXX and I will receive a check within 10 day, today is XX/XX/XXXX and I still haven't receive my money back. I called multiple times, had multiple escalation and complaints but I'm still being ignored and no resultion since XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Equifax posted a Collection in the amount of {$120.00}. I have notified Equifax they are in violation of the Fair Credit Reporting Act and refuse to remove this. I was not notified under the guidelines. Im quite educated on FCRA and licensed through NMLS. 
I would never allow something like this to get posted on my credit. 
Equifax received my 30 day notice XX/XX/2019. They refuse to acknowledge their mistake and remove this. 
XX/XX/2019 spoke to XXXX with Equifax and was told she does not have a supervisor and not aware of FCRA. 
XX/XX/2019- sent another demand letter, that was ignored. 

Both, XXXX & XXXX were very helpful and removed immediately. Equifax does not feel they have to follow Guidelines.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$570.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$250.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$930.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$570.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$930.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1400.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX  XX/XX/XXXX -- {$890.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain inquiries on my credit report. According to my records, I have noticed the following inquiries that I believe are incorrect : 1. XXXX on XX/XX/XXXX 2. XXXX on XX/XX/XXXX Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b and 15 USC 1681c-2, I am entitled to accurate and up-to-date information on my credit report.
Product: Debt collection

Per my credit report states, I owe an amount of XXXX. However, I didn't create this account and was actually homeless, ( XXXXl breakdown accrued, I wasn't able to live alone per Dr requirement ) at the time so no way to have XXXX XXXX utilities. I reviewed my credit and noticed a home purchase in 2018 that wasn't mine since I was not in Missouri at all. Called the number to speak with a rep in concern to the account they continually disconnected the call once they perceived they couldn't bully me into making a payment. This has never been my account, when I asked for information to be sent to my review of the original debt signature they haven't provided it.They were not able to confirm the correct info for my d.o.b or whole name, which I would do for anything legally binding since I've has information from another XXXX XXXX XXXX, that was living in my same city for a while.
Product: Credit reporting

The company is incorrectly reporting me up to 120 ( 30/60/90 day delinquencies ) days past due while I am in a debt management program accepted by the company in XXXX, 2015. I was never even 30 days late, and have paid as agreed both prior to and after the debt management plan was put in place. The company refunded late charges, but will not fix credit reporting errors. XXXX XXXX sent the account to a third party to administer the debt management program and they refuse to correct the errors. They referred me to XXXX XXXX ' credit reporting division who stated I needed to talk with Customer Service. I contacted Customer Service who stated they can not speak with me and that I need to call the third party servicing the account. When I call them they refer me back to XXXX XXXX ' Customer Service. Nobody will take ownership of this request and keep sending me back and forth to the same XXXX areas and will not help me get their errors fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I submitted a letter to the Experian and XXXX XXXX XXXX XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 5 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 a my file at Experian 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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$24000.00}