23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

just started building, and monitoring my credit a few years ago. I noticed that there was a {$340.00} amount listed under derogatory remarks. This was listed as XXXX, for the company XXXX. I tried several times to dispute through XXXX XXXX. Results came back that monies were owed. One of My issues is that I never received a phone call, or bill in the mail about this at all, ever. I have no idea when this debt was from. The other issue is that this was listed on my credit with XXXX, for XXXX, then was dropped off of my credit on XX/XX/20, then this debt was re-added on XX/XX/20 under another debt collection company called IC Systems, for the company XXXX. I believe that this may be something from many years ago, but I don`t really know. Also, how is it possible, or legal for this to be removed from my credit for approximately a month, with one debt collection company, under XXXX, then re-added to my credit by another company, under current business name, XXXX, same debt? 
I currently have, and have had XXXX  services for many years, and never received any notification of any monies owed. I believe this original so called debt of mine is way too old to be on my credit at all.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account :. XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified hard inquires accounts : US SM BUSINESS ADMINISTRATION ODA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ga XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Va XXXX I will list the correct spelling of my name there are multiple name spellings as well those also need to be removed and are not accurate.
Product: Money transfer, virtual currency, or money service

M & T Bank authorized without notification a fraudulent ach transfer from XXXX in the amount of {$26000.00}. It has been 84 days since I filed the police report and notified M & T Bank. M & T Bank informed me I was past the 60 day requirement to notify of fraudulent activity. I was at 68 days to report. Fraudulent charge was debited from checking account on XX/XX/XXXX, at the onset of the pandemic, followed by state-wide shutdowns. Focus was on my XXXX, not myself until later in the shut-downs when I wanted to invest more into my XXXX  for XXXX   XXXX, which is when I noticed the fraudulent charge. M & T claimed they would develop a conclusion between 45 - 60 days of reporting. They are no longer providing additional information as to the status of the claim. Contacted Attorney General, State reps, and personal attorney. Causing extreme mental and emotional anguish. Police contacted for a wellness check. M & T Bank claims they are unable to reach anyone at XXXX. XXXX claims M & T Bank has no record of contact. Faxed information to XXXX on XX/XX/20. Very possible I will be homeless. Loss of income for my XXXX. Mental anguish. No forbearance in reporting due to COVID-19 pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inaccurate utilization reporting for my Self Credit Card account on my credit reports. I have attached the relevant credit card statements for the months of XXXX and XXXX as supporting documentation to expedite the resolution process In reviewing my credit card statements, it has come to my attention that there are significant errors in the utilization reporting for the mentioned months. Below are the discrepancies I would like to address : XXXX. XX/XX/2023 : The reported utilization for this month is stated as {$140.00} ( XXXX usage ), when in fact, the utilization should have been {$0.00}. The payment statement closing date for XXXX was XX/XX/2023. 
These inaccuracies are not only misleading but also have a negative impact on my creditworthiness. As such, I kindly request that you rectify these errors immediately and update my credit reports accordingly. 
I want to draw your attention to the following sections of the Fair Credit Reporting Act ( FCRA ) that I believe have been violated in this instance : 1. Section 611 ( a ) ( 5 ) ( A ) - Timely Resolution : The credit reporting agencies are required to respond to a dispute within XXXX days of receiving it. Failure to do so violates this section. 
2. Section 607 ( b ) - Duty to Correct and Update : Credit reporting agencies have a duty to promptly correct any inaccuracies or incomplete information. Reporting incorrect utilization violates this section. 
I expect you to initiate a thorough investigation into the inaccuracies mentioned above and promptly contact Self Credit Card to verify the accuracy of the utilization reporting. Furthermore, I request that you provide me with a detailed response within the legally mandated timeframe of XXXX days, outlining the results of your investigation and the actions taken to rectify the inaccurate reporting. 
Please consider the attached credit card statements for XXXX and XXXX as irrefutable evidence supporting my dispute. If there is any additional documentation or information required from my end to facilitate the investigation, please inform me promptly. 
Thank you for your attention to this matter. I trust that you will handle my dispute with the utmost professionalism and urgency, adhering to the legal obligations outlined in the Fair Credit Reporting Act. I insist on the errors being corrected promptly and my credit reports being updated accordingly. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting is showing 2 collections on the reports for my account.
Experian is showing 1 same issue. I have called and questioned them and was told they could not resolve my issue as they have no opening dates on either account. XXXX is showing 0 collection accounts. Why would XXXX be showing 2?. I know the Federal Fair Reporting sact requires a credit to remove an item if they can not show an opening date. I hope you can intercede on my beghalf to make sure they report the correct information one of the agencies is called XXXX XXXX XXXX and the other is XXXX XXXX. Both of yhese item were paid and were supposed to be taken off my report at time of payment. But as usual each collection agency lied and left them up to be reported.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXXXXXX XXXX has improper grammar it says the account is potentially negative and it says paid I'm saying that the monitoring of the account is incorrect it was paid the first XXXX years of a XXXX-year contract and a couple months was unpaid and then went into negative but the account was later paid off in the account is paid now they also settled then I paid I believe the account should say potentially settle and paid it should not say potentially negative although the town had a few months unpaid it was XXXX years pay on the same account so it's just say potentially settle and paid and if it says potentially negative and paid off it is considered incorrect grammar
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX has report false, derogatory and defamatory information about me to the 3 credit Bureaus on accounts. fraudulently opened in my name by XXXX and XXXX, breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. XXXX  Fraudulent account was deleted by TransUnion and XXXX. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX and XXXX. I will also file a complaint with the XXXX and Attorney General XXXX and TransUnion for not deleting these account. I will further pursue all of my legal remedy without further notice to XXXX and TransUnion. I will further pursue all of my legal remedy without further notice to XXXX and TransUnion. I have attempted to resolve this matter formally before filing a complaint and lawsuit! ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Gramm Leach Bliley Act ( GLBA ) Privacy Act Violation. Notice. XXXX5 USC 1692 K and 1640 Civil liability. Remove/delete from consumer report immediately.
Product: Credit reporting or other personal consumer reports

The unverified ACCOUNTS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these ACCOUNTS to be authenticated ( A ). I will take legal action against you if you do not validate these ACCOUNTS. Please follow the law so that this situation can be settled quickly. I need the following ACCOUNTS to be deleted from my file right away XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXXXXXX XXXX Balance Owed : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempting to reach TransUnion representatives has been a nightmare. One MUST navigate a maze of convoluted automated phone system, which in most cases, connects one to wrong department. People who answer these calls are incompetent, unable to make decisions and sound like they are reading answers off a " cheat sheet ''. Then they attempt to transfer me to another area and calls get disconnected - prompting one to go back through a phone system maze. Promised callbacks NEVER happen and when a user calls to inquire about status of the case, they are being given another case number ( even though the previous one has not been resolved ) and promised yet another callback- which never happens. 

I now strongly believe that this is by design, in hopes that frustration takes over and people just stop calling. 

This has been happening persistently on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : Bank of America Dates : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681B ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transcations that are not initiated by consumer ( inquires ) - ( 1 ) In General A Consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( c ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) The consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transacation consists of a firm offer of credit or insurance.

( 3 ) INFORMATION REGARDING INQUIRES I DID NOT GIVE CONSENT TO ANY COMPANY TO PULL MY CREDIT REPORT THEY JUST PULLED IT ON THERE OWN I GUESS THEY WERE BORD OR NOT PAYING ATTENTION OR WHAT EVER THE EXCUSE IS BUT I JUST WANT THE FOLLOWING INQUIRES OFF MY 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 XXXXXX/XX/XXXX I HAVE TOLD THE CREDIT BURASU A MILLION TIMES ABOUT THIS ISSUE ESPECIALLY { { XXXX } }!!!! XXXX TOOK THE INQUIRES OFF SENT ME PAPER WORK THAT THEY TOOK THE PAPER WORK OFF THEN INSERTED THE INQUIRES RIGHT BACK ON MY REPORT AND DID NOT EVEN SEND ME A LETTER BEFORE HAND TO TELL ME THAT THEY WERE GOING TO DO THAT!! THAT IS A VIOLATION!!! XXXX STAY VIOLATING EVERYDAY LIKE ITS A GAME!!! I CALL XXXX AND IT TAKES ME 3 XXXX HOURS TO GET A LIVE PERSON ON THE PHONE AFTER THE COMPUTER HANGS UP ON ME OR ACT LIKE IT CAN'T VERIFY MY INFOMATION BY TELLING ME THE INFO IM GIVING THEM IS WRONG!! HOW COULD THAT BE I KNOW MHY XXXX CREDIT REPORT INSIDE OUT I KNOW MY OWN PERSONAL INFOMATION WHEN ASKED ABOUT TO BECAUSE ITS MY INFO MY LIFE!!!!!!!!!! IM TIRED OF THIS XXXX BETTER STOP PLAYING WITH ME!!!!!! AND THEY NEED TO ANSWER THE PHONE!!!! PEOPLE NEED HELP OUT HERE WE ALL HUMANS NOT ROBOTS!!!
Product: Money transfer, virtual currency, or money service

Money wasnt in my account on time to pay my bills and the disclosure was misleading and confusing
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCKED AND DELETED COMPANY XXXX XXXX XXXX, EXPERIAN, AND XXXX. SOCIAL SECURITY NUMBER XXXX, XXXX. XX/XX/1983, NAME : XXXX XXXX XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On Wednesday, XX/XX/XXXX, I got a letter from Online Information Services stating I owe {$460.00} for a XXXX  XXXX  account. I called the company at XXXX and learned this was a utility account in XXXX, TX reported XX/XX/XXXX. I've never lived there and don't know anyone in XXXX. I reported to the company above that this is a fraudulent debt. I then reported this at identitytheft.gov. The woman I spoke to initially gave me a number to call XXXX XXXX, and I tried. It was a fax. I called back to get the right #, and the woman I spoke to said, " We don't give that information. You must have XXXX the #! '' I told her her coworker gave me the number ; she refused to correct it. I called back 1 minute later, got someone else and they gave the correct # for XXXX. I called, and they said, 1 ) " We have no record of account in XXXX for your SS #, '' and 2 ) that they DID send a debt in my name to this company. Yes, they don't have my SS # on an account, but they did send it to collections (??? ). I JUST got another call from Online Information. I said, ( to XXXX ) " I reported this is fraudulent and not my debt last week. Why am I still getting calls. '' She said, " Because that doesn't stop the calls. '' I hung up on her. I want the calls to stop. The debt is not mine, I never had an account of any kind in XXXX, TX, and XXXX says they don't even have an account there with my SS # ( which they also said they couldn't open WITHOUT having - this makes no sense ). Please help me stop harassing phone calls. I've already reported the debt as fraudulent to the company and identitytheft.gov, and they do not respect this.
Product: Debt collection

DIVERSIFIED CONSULTANTS is failing to remove an account from my credit which has been paid. It should never have posted to my credit as we had an agreement which they claimed they would never post it to my report. They continue to damage my credit causing me XXXX & financial XXXX. I would like it removed immediately from my credit reports ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Apex Credit Fix is fraud. Website payments are misleading. They should be required to inform people that you will be paying third party services such as smart credit, which is a fee they dont add to their {$67.00} on their site. So I been paying about {$100.00} dollars a month. They used a credit boost to make score look higher but it disappeared after a week. I started with this company in XXXX, its basically XXXX, and I came in with a total of XXXX inquiries they couldnt remove XXXX but suppose to average XXXX in 4 months ( Which they now changed to XXXX months )? I asked the company multiple times about this and they just said they are sending disputes and it takes time, however XXXX disputes later nothing. It was a struggle to cancel my subscription. If someone says delete card dont go back and for with them for XXXX min. The " good reviews '' look fake and very redundant on XXXX. Someone needs to audit them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent copies of my credit report from Experian to Experian and on this website and I don't see how this error is still not corrected. I have 1 collection account named XXXX XXXX XXXX on my credit report and it is still not deleted off. Experian keeps verifying the information when it is inaccurate.. I have provided copies of my credit report showing they deleted the item off my credit report and then put it back on. This is by law ILLEGAL. I am asking you Experian one last time to remove this inaccurate account off my credit report before I sue Experian for violating the fair debt reporting practice act for not reporting accurate information on my credit file. Im going to provide you with the credit report again showing you removed the item off my report and then put it back on. Please remove immediately or I will take further action.
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 Account NumberXXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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