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

I was contacted by my employer, XXXX, which is XXXX delivery service. Im an independent XXXX who works for them. They received a report from Checkr the company based out of XXXX XXXX stating my drivers license is expired. I physically went to XXXX and had my driving record printed out and the XXXX XXXX said my license is valid and marked it on the print out I contacted Checkr and XXXX and uploaded the form I paid for stating my license is valid and sent it to XXXX and Checkr. 
I have yet to receive a response from either of them. But still get emails and text messages saying my account is pending deactivation. Please help me. I need my job. Im a law abiding citizen and dont understand why theres an error with my current valid drivers license. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently starting using the XXXX  app and one I got a copy of my credit report, I instantly noticed an inaccurate address in which I have never lived at and inquiries misreported inquiries for credit that I don't recognize on all 3 ( XXXX, XXXX, Transunion ) of my credit reports. I wrote dispute letters to all three and its been past 30 days since, I mailed to XXXX  on XX/XX/XXXX and Transunion/XXXX  on XX/XX/XXXX. I have gotten no response from the credit bureaus and I have been having trouble getting in contact over the phone. I am looking to build my credit so i can qualify for Housing and this scenario doesn't help. 

XXXX  Wrong Address - XXXX XXXX  XXXX, XXXX, Ga XXXX Correct Address - XXXX XXXX XXXX XXXX, XXXX, Ga XXXX 1. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  XXXX XXXX 2. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX 3. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX XXXX 4. 
Account Name : XXXX XXXX  XXXX. 
Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  - Non Specific XXXX  1. 
Name : XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX  2. 
Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX  3. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX 4. 
Account Name : XXXX Date Filed : XXXX Type of Account : XXXX XXXX  XXXX  5. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX  TransUnion 1. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX, XXXX  2. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX  3. 
Account Name : XXXX XXXX Date Filed : XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 4. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 5. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX, XXXX  6. 
Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  I attached the letters I sent to the credit agencies,
Product: Credit card

I disputed a {$6000.00} purchase with Care Credit and won. It left my account with a {$6000.00} credit balance. The company has held my money for six months. They need to send me a refund check immediately. This is theft by deception holding money that does not belong to them.
Product: Debt collection

On XX/XX/XXXX of this year I received a collection letter from XXXX XXXX XXXX XXXX and they provided the option to dispute the debt via email which I did. On XX/XX/XXXX I received 2 collection letters from Resurgant Capital. The first letter only mentions they will review my dispute on the second page and the second letter claims I must send the dispute in writing but in the initial collection letter it clearly says I can email which is what I did. I also requested not to be contacted and they sent 2 letters to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to credence as I denied any ownership to this account they claim is mine. There was no investigation and they reported to my credit report any way. I never had XXXX and filed a claim with federal trade commission as well.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft someone has been using my personal information to obtain services and goods using my identity, please remove all fraudulant address that are currently reporting on my credit report
Product: Credit reporting or other personal consumer reports

I HAVE RECEIVED THE REINVESTIGATION DISPUTE RESULTS FOR MY VERY DETAIL DISPUTE THAT WAS SENT WITH SUPPORTING DOCUMENTION, HOWEVER THOSE ITEMS WERE STILL VERIFIED AS ACCURATE. I AM QUESTION EXPERIAN INVESTIGATION AND IF THEY EVEN CONDUCTED A PROPER AND REASONABLE ONE.

THESE INCOMPLETE AND INACCURATE ACCOUNTS HAVE RUINED MY REPUTATION AND I HAVE BEEN DENIED EMPLOYMENT WITH XXXX XXXX XXXX AND OTHER COMPANIES. I HAVE ALSO HAVE BEEN DENIED SEVERAL TIMES WHEN TRYING TO OBTAIN TRANSPORTATION.

EXPERIAN CONTINUES TO VIOLATE 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors This is my 2nd notice disputing the completeness and accuracy of the following information related to the following account. 

XXXX XXXX XXXX XXXX XXXX : THE BALANCE OF THIS ACCOUNT XXXX IS INCOMPLETE AND NEEDS TO BE LOOK AT. ACCOUNT IS NOT SHOWING A MONTHLY PAYMENT. LAST PAYMENT DATE REPORTS XX/XX/XXXX, ACCORDING TO MY PAYMENT HISTORY XX/XX/XXXX IS MY LAST PAYMENT DATE. REMOVE ACCOUNT XXXX ) SERVICE FCU : DATE OPENED IS XX/XX/XXXX, ACCORDING TO THE PAYMENT HISTORY THE ACCOUNT THE DATE OPENED WAS XX/XX/XXXX. ACCOUNT TYPE IS REPORTING AS A SECURED LOAN, I HAVE DOCUMENTS SHOWING THIS IS A AUTO LOAN. REMOVE ACCOUNT XXXX XXXX XXXX XXXXXXXX : EXPERIAN HAS LAST PAYMENT DATE XX/XX/XXXX, THIS IS FALSE. ACCORDING TO THE PAYMENT HISTORY XX/XX/XXXX IS THE CORRECT DATE. PAYMENT HISTORY SHOULD SHOW HISTORY OF THE OPENED DATE BUT DOES NOT. REMOVE ACCOUNT XXXX ) XXXX XXXX : DATE OPENED REPORTS XX/XX/XXXX. WHY DOES THE PAYMENT HISTORY SHOW XX/XX/XXXX? THE ACCOUNT ALSO SHOW NO DATA FOR XX/XX/XXXX, WHAT MAKES THS ACCOUNT ACCURATE? REMOVE ACCOUNT XXXX ) COMENITYCB/ZALES : DATE OPENED REPORTS XX/XX/XXXX, ACCORDING TO THE PAYMENT HISTORY THIS INCOMPLETE AND NOT ACCURATE. REMOVE ACCOUNT PLEASE MAKE SURE YOU FOLLOW THE REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION BEING REPORTED. 
REMOVE ACCOUNTS DO NO CORRECT THEM.
Product: Credit reporting or other personal consumer reports

The missed payment from Paramount mortgage. Its a payment processing error. I made the payment in XX/XX/year> on time
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently subscribe to Equifax credit monitoring. There product has continuously not worked. I have emailed them twice, called, and chatted. They keep stating issues with their system. I said then I would like to cancel my subscription and receive a refund because you can not provide services. I only asked for the month I prepaid for. They refused to provide refund because I did not cancel in time. But once again, they advertise you can run your score whenever you would like, but you ca n't because their software does n't work. It 's sad they are responsible for your credit. I just want them to do what is right. I have attached the screenshot in which it states report is in progress, it says that everyday, so you can never order and no report is ever generated.
Product: Mortgage

Our loan was sold to Bayview Loan Servicing , LLC from XXXX XXXX XXXX while we were undertaking a loan modification. We have made our 3 monthly trial payments ahead of schedule. We went to apply for a car loan and were shown our credit report. We discovered at this time that Bayview has reported to XXXX, XXXX, and XXXX that our mortgage is 90 days delinquent and that we also have a XXXX and XXXX mortgage ( which we have never taken out period! ) We are unable to attain a vehicle at this time because of this issue and did contact Bayview Loan Servicing , LLC, namely XXXX XXXX, after discovering this. After many attempts at making contact we finally were able to reach him the next day, in which he had stated that he had never seen a situation like ours before. He stated that in his computer, it had shown that we were, in fact, not delinquent on any payments but showed that we had multiple mortgages. He said he would contact us the following day with a resolution but has yet to make contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is not in compliance with fair credit reporting act and FCRA after XXXX XXXX  and collection agency hired by XXXX fail to comply with Under the Fair Debt collection Practices Act ( FDCPA ) by simply validate a debt they claim and report unfairly to TRANSUNION. I have contacted XXXX, but they wanted me to deal with the collection agency which I did proving to them debt is not mine, but collection agency want me to deal with another agency which I did and showed evidence i am not responsible for that debt at the point in XX/XX/XXXX they send the attached letter to go back to the beginning of the circle to XXXX which I did contact to show them what I have, or at least verify the debt, but was ignored for more than 30 days. As attached documents display what I was getting form all parties, circling me around between all three.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt,
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$530.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$89.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$40.00}, XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXXXXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}.
Product: Debt collection

I have disputed a medical debt with debt collector LAW OFFICES MBA XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX that is on my credit report in collections reported as derogative several times. I have sent a debt validation letter 2x by certified mail on XX/XX/XXXX and XX/XX/XXXX and contacted XXXX credit bureau. I have asked the debt collector to respond to the dispute in written communication and have gotten NO REPSONSE. Debt collector has damaged my credit and continues to call me and collect with no responses to my debt validation letters. If debt is valid or belong to me I DID NOT sign a HIPPA form to given consent for my medical records to be released.
Product: Credit reporting or other personal consumer reports

I reviewed. my consumer repot and noticed that I had two late payments on an account that I never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to The best of their ability with maximum accuracy. I have never been late on payments for The accounts that I have included screenshots inside this complaint in on The dates of [ XX/XX/year>, XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to The fact I was never late. Thanks! Please see screenshots attached :
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Pursuant to 18 USC 8, I owe no debt, These companies are violating my consumer right to privacy pursuant 15 USC 1681-B2. these companies have no permission to report my information per 15 USC 16814. All credit consumer reporting agencies and Supplementary/Alternative Credit Reports/Check and Bank Screening companies ( Experian , XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ), are violating my consumer rights.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Ac

t ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. 

To Whom It May Concern, I am writing to dispute a debt claim associated with Account Number XXXX. According to the information provided to me, this account was opened on XX/XX/XXXX, and is listed as a collection account with an original balance of {$1400.00}, which remains past due as of XX/XX/XXXX. 
I wish to bring to your immediate attention that this account is fraudulent and does not belong to me. This is not the first time I have had to address this issue. Your company has previously confirmed the removal of this account from my records several times, yet it continues to resurface, causing me significant distress and damage to my financial standing. 
This situation has severely impacted my life, affecting my ability to secure credit, purchase a home, and manage my financial affairs without undue stress. It is imperative that this matter be resolved once and for all. 
Given the repeated nature of this error and its significant impact on my life, I demand the following actions be taken : 1. Immediate removal of this fraudulent account from my credit report and confirmation of the same sent to me in writing. 
2. A thorough investigation into why this account continues to reappear on my credit report despite prior confirmations of its removal.

3. Proof of any supposed linkage of this account to my personal information, which I assert you will not find because this debt does not belong to me.

4. Assurance that this issue will not recur and that measures are in place to prevent similar errors in the future.

Please be reminded that under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute and demand validation of this debt, which in this case, is entirely fraudulent and wrongly attributed to me. I expect a response within 30 days of your receipt of this letter, providing the requested confirmations and assurances.

Failure to comply with these demands will leave me no choice but to seek legal advice and take further action to protect my rights and recover any damages caused by this repeated error.

Thank you for your prompt attention to this extremely distressing matter. I look forward to your written response confirming the final resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO FOR MY CHILDREN WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''