23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not honored their obligation to investigate my dispute correctly by law, within XXXX XXXX Incorrect information appeared on my XXXX credit report on XX/XX/2022 : The account was incorrectly being reported as a charged off account with a balance due. I requested that Equifax please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on the account. 

Equifax never sent proof, neither did they change the negative payment status on the account. 

After an XXXX XXXX went by, I sent another dispute on XX/XX/2022. In the XXXX round of disputes of this incorrect information, I stated that I previously disputed the account stating : ( The account was incorrectly being reported as a charged off account with a balance due. I requested that Equifax provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on the account. ) I also stated that I did not agree with the results of the investigation. I requested that they please mail me the proof of the investigation and proof of the negative payment status for the account, or delete the negative information in the account ''. 

As of XX/XX/2022, Equifax still has not sent any proof, they have not changed the negative payment status on the account, nor have they deleted the negative information in the account. 

This complaint is in regards to the incorrect information for the ( XXXX XXXX XXXX account on my Equifax credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Mortgage

I started a mortgage with wells fargo in 2014. I asked for the mortgage to be XXXX the mortgage ended up being XXXX. In order for me not have PMI for the life of the loan, I could have paid XXXX, which was the equivalent of XXXX. The house was valued at XXXX. No one from the bank disclosed to me that if I paid 10 % I would have been able to get rid of pmi at some point during the loan. I was at almost 10 % of the loan payment. Had I known this, I would have completed it. Now I have had to refinance and pay money to get rid of the PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 bureaus contiue to report XXXX XXXX which is a student loan servicer as an open account that has been closed for 9 years and 9 months. I've contacted XXXX XXXX, disputed this account for YEARS on all of my accounts. It needs to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX accounts number XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A. States 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 consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hit with a 30 day late on my credit report and I was not and have not been 30 over days late. 

XX/XX/XXXX, I paid {$56.00} on my account. 
XX/XX/XXXX, I was hit with a finance charge for XXXX. 
XX/XX/XXXX, I paid my account in full for XXXX. 
XX/XX/XXXX - NO TRANSACTIONS. 

Next Transaction was not until XX/XX/XXXX & XX/XX/XXXX. For XXXX. 

THERE IS A LATE FEE FOR XXXX CARRIED FROM A PREVIOUS BALANCE - THERE WAS NO PREVIOUS BALANCE. I PAID EVERYTHING OFF. 

RECEIVED A LATE CHARGE ON MY CREDIT REPORT XX/XX/XXXX ON XXXX XXXX : I PAID THE XXXX NOT ONCE HAVE I BEEN LATE 30 days! 
KOHLS IS REFUSING TO REMOVE THE XXXX LATE FEE WHEN I WAS NEVER LATE. 

XX/XX/XXXX, I called kohls credit card and they credited me back the XXXX late and agreed with me there was no late and she would send it to whomever for removal. Next thing I know I get a letter saying they are not removing it. Makes no sense to me. 

Here is my account payment history from them directly. I am refunded the money cause there error, but they won't fix my credit report??? 

Posted Payments Payment Date Payment Amount Description XX/XX/XXXX {$1.00} Late charge refund XX/XX/XXXX {$49.00} Payment XX/XX/XXXX {$470.00} Payment XX/XX/XXXX {$49.00} Payment XX/XX/XXXX {$56.00} Payment XX/XX/XXXX {$140.00} Payment I just want my credit report update for XX/XX/XXXX to properly show I have paid my account perfectly. I will never use or shop at Kohls again, as I have been treated so unfair! Complete disregard for my lively hood and my credit report.
Product: Credit card

Portfolio Recovery is trying to collect on a debt for XXXX XXXX and I have NEVER had a XXXX XXXX account. I do not owe this debt and have been fighting it for a long time. They have yet to prove to me that it is mine with any application or signed document. They are affecting my credit and financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disappointed with transunion. I sent a request to investigate items accuracy on my report through letterstream I don't have the time to go to a postal service and this company is accusing me us using a credit repair company. When I am the one sending out my letters. I received the letter XX/XX/22. I know my rights as a consumer, I have studied consumer law. I know my rights I give the instructions on what they are to do according to federal law. Transunion is in violation making accusations. I am giving them the benefit of the doubt. 

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

FCRA violations : not my name XXXX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$22000.00} XXXX XXXX account. {$22.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$1500.00} Status Account charged off. $
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXXXXXX Account XXXX FTC Identity Theft Report : XXXX This CFPB complaint has been filed to pursuant to 15 USC 1666b- Timing Of Payments. XXXX XXXX Transunion are reporting inaccurate information under the FCRA. 

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Update Payment History - PAID AS AGREED-
Product: Credit reporting, credit repair services, or other personal consumer reports

Per CRA dispute in XX/XX/XXXX with the following USPS tracking numbers XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX numbers and EQUIFAX Disputed Item Number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking numbers and XXXX Disputed Item XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking numbers and XXXX Disputed Item XXXX 15 U.S. Code 1681a - Definitions ; rules of construction Even though the above CRA reported all disputed items were 100 % accurate, I believe most information and investigation process was one-sided and not fully in complaint per the following ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Since15 U.S. Code 1681a states clearly that " my consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer '', then it means that most of these information are not accurate and should therefore be classified as inaccurate. With not prejudice, my CRA investigation and information obtained from one source, especially creditors is not accurate.

Question ( s ) to the above CRA : How was the investigation conducted Who did the CRA spoke to How do you know these information is accurate per cyber security bridges and gaps where my information had been compromised and notified by the Department of Personnel as a former XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries showing on my report that I never authorized nor they have a permissible purpose, nor they have written authorization for the following inquiries. XXXX XXXX XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX   XX/XX/2017
Product: Debt collection

For years I have had multiple companies attempting to collect a debt that I completely dispute from XXXX. XXXX companies, which I think are working together have contacted about suing me for the same debt and one, collection associates has placed a collection on my account. The other, XXXX is trying to sue me and refuses to validate the debt. Neither Collection Associate, XXXX XXXX, WI XXXX, nor XXXX will verify that they are authorized to collect this money from whomever it is owed, Showing the actual debt, payments and interest with a REAL signature not computer generated, I have read people generate signatures do re time debts, and make up payments to re time debts, Where is my signature? Who is the original debtors, and the paperwork saying they are an assignee. Collection Associates never replied, just put a collection on my account, I think to cause me harm, can I sue them? And XXXX NEVER sent paperwork, just called at all hours, and I should " pony up '' because they are connected in wisconsin, they work for the state and city of XXXX as tax collectors, so, and I quote, " who will they take on their merits. I am from illnois, and I am wondering are these two companies working together? Can you investigate a connection? They have been blocked, but continue to call. They need to verify this debt, stop threatening me, and stop ruining my credit out of spite? How can XXXX different companies collect the same debt, sue me, and ruin my credit. 
They have not, and will not- Produce legal information on if they are indeed legally able to collect money. 
Produce my signature Prove that whoever 's debt this was is not being retimed. Collection Associates sent me some paperwork without signatures from XX/XX/2007, so is this even in the SOL? 
Payments, communications, signed agreements that ME. XXXX, signed. Please help me they are trying to ruin me and I think they are working in together, why would one have a XXXX , and coincidentally be from the same place. They are using tactics to call me day and night, they are intimidating me by saying they work with the state and city ill wisconsin where they are from and I am not, I live in illnois and know no one from the state, they will not verify and from what they are telling me they will win. This is unfair, I need the collection taken off and can I sue them for unlawful acts, fraud, intimidation, and even forgery if that is shown by paperwork? 
Thank you, please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This company reported a debt on my credit report that does not belong to me. My personal information was compromised some time ago ( my car was broken into and my tax returns, checks and other personal information was stolen ) and my guess is that it may have been used to open this account, not sure. Absolutely NO information whatsoever has been sent to me about this debt in the mail, so I never had the opportunity to even dispute this with the company. No signed papers, no proof or anything has been sent to me. But yet this company was able to put something on my credit report?? This kind of stuff is malicious and harmful to consumers and the fact that a company can do this is insane.
Product: Credit reporting or other personal consumer reports

still receiving mailings emails from XXXX XXXX XXXX after i asked them to cease and desist from contacting me totally disregarded my letter dated XX/XX/year> see attached
Product: Debt collection

On XXXX/XXXX/2015, at XXXX PST, I received a voice mail from XXXX XXXX with Admin Recovery at my place of employment. The message stated the the call is regarding " case file, XXXX, concerning a bad payment passed through XXXX XXXX Bank, in an breach of contract, that looked to have been done maliciously ''. 

When I called XXXX back, I was not provided the mini-miranda. He told that the account was pre-legal and that their attorney would be looking to sue me in small claims court in XXXX XXXX because the balance was less than {$5000.00}. When asked, he advised me that they are located in XXXX. It would appear that there was no real intent to sue at the time I was told this. 

Additionally, the voice mail and collector uses term " case fie '' to describe my account number with them in an attempt to misrepresent the legal status of the account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 complain to AMERICAN HONDA FINANCE about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following fraudulent accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were opened or reported fraudulently without my authorization. 
The fraudulent accounts in question are as follows : XXXX. XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX o Amount : {$37000.00} XXXX. XXXX XXXX XXXX. 
XXXX Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$560.00} XXXX. XXXX o Account XXXX : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Amount : {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

THAT ACCOUNT LISTED BELLOW DONT BELONGS TO ME, I AM A VICTIM OF IDENTITY THEFT.. I WOULD LIKE TO BLOCK THAT ACCOUNT FROM MY CREDIT REPORT PLEASE. 

XXXX XXXX XXXX XXXX ACT NO. XXXX OPEN DATE : XX/XX/year> BALANCE : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX 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 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 1681 c. ( 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have not initiated any transaction with XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ).
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries appear on my credit report, violating 15 USC 16c-2. Please remove them immediately.