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

Inaccurate payment history I was never late I was always on time XXXX XXXX Opened XX/XX/year> {$0.00} I am writing to formally dispute the accuracy of the reporting related to the above-referenced account under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the claim that this account was ever delinquent or late in any of its payments. 

The account in question, opened on XX/XX/year>, has a {$0.00} balance, and I have consistently fulfilled my payment obligations in a timely manner. There have been no late payments recorded during the lifetime of this account. Accordingly, I request that the accounts payment history reflects this fact and that any negative information be corrected immediately to state that the account was paid on time and in good standing. 

Under the FCRA ( 15 U.S.C. 1681i ), I am entitled to an investigation into the disputed information. Furthermore, under the FDCPA ( 15 U.S.C. 1692e ), it is unlawful to report inaccurate or misleading information to credit reporting agencies. The inaccurate reporting of my payment history is a violation of these provisions. 

I have attached all relevant documentation, including account statements and proof of payment, to support my claim. Please conduct a thorough investigation into this matter and correct the erroneous information on my credit report. I expect confirmation in writing that the corrections have been made. 

If the negative reporting persists without correction, I will consider pursuing further action, as I am entitled to seek remedies under both the FDCPA and the FCRA. 

Thank you for your prompt attention to this matter. Please respond within the 30-day period mandated by law. 

Respectfully XXXX XXXX XXXX XXXX Without Prejudice
Product: Credit card or prepaid card

I tell you what the situation is, I have bought a package for 4 people on vacation through XXXX Itinerary # XXXX on XX/XX/2020, 3 of these people are from the XXXX XXXX, and for reasons of public knowledge due to the corona virus flights were canceled, I would also like to clarify that 2 of the 4 people are XXXX XXXX   since they suffer from XXXX. I have tried to communicate with the company XXXX during the last 10 days without obtaining any response, then when I saw that I did not receive any notification by any means, call the credit card to explain the situation that was happening, I have created a number of case XXXX with them, to follow up, but they informed me that the case can take up to 60 days to give an answer, without me knowing if the answer will be positive or not. The purchase amount was {$5100.00}, which is a very important amount that will affect my personal credit report and interest, since they are not making the return and I must wait all that time. The cancellation of the trip was not due to our problem, but rather something that for the reasons that I have explained, all the borders have been closed, and residents and citizens, both American and foreign, are obliged to return to their country.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address is : XXXX XXXX XXXX XXXX XXXX My employer is : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute by myself for certain information contained in my credit report, as obtained from your bureau. After a thorough review of the report, I have identified inaccuracies that require your immediate attention and correction.
Product: Debt collection

Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate under the name XXXX XXXX. Whereas I believe them to be a debt buyer, PORTFOLIO XXXX XXXX, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, correspondence, and financial and corporate records that pertain to accounts XXXX, XXXX, XXXX ON THE PRIVATE AND PUBLIC SIDE. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received my monthly credit report update from XXXX, which my FICO XXXX score was XXXX and had all of my accounts on it. On XX/XX/2024, I received an email from XXXX and XXXX that my score dropped XXXX points. When I checked the report it only had my new XXXX XXXXXXXX XXXX XXXX but my entire credit profile was now GONE. I contacted Transunion and the rep assured me that everything was still the same and that nothing has changed from the XXXX credit score report. Then a few minutes ago I received an encrypted email from Transunion with an updated credit report, which only showed 1 account on it. I need my preexisting credit profile back! XXXX accounts are now missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is posting inaccurate and false alleged debts on my report. They never contacted me to verify if it was correct and accurate, which it is not. Multiple federal US codes have been violated.
Product: Debt collection

I have repeatedly try to dispute this false collection on my credit report. The company refuses to take this off my report even though I do have a receipt in hand from my apartment complex showing I did pay the specified amount of {$260.00} on Move Out. This should have never been put on my credit report, and having an receipt should be enough to remove the collection from my report.
Product: Debt collection

Eastern Account Systems is attempting to collect a debt from 14 years ago. This is not a valid debt and it is outside the statute of limitations being over 14 years old. The debt was opened from XX/XX/XXXX through XX/XX/XXXX for an account back from XX/XX/XXXX from WOW services. I am unfamiliar with WOW services. When I spoke with two different representatives at Eastern Account systems they had no documents or any records to explain this debt. I called WOW services myself and verified my account and they have no notes, documentation, billing statement explaining what the debt was for and told me to contact Eastern Account Systems. This has ruined my excellent credit score of 800+. In the past 14 years I have never heard of this debt on any of my credit reports which I check regularly.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED IN A DATA BREACH ACCOUNTS WAS OPENED IN MY NAME WITHOUT ME KNOWING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Full Balance for American Express was paid off and yet it shows deragatory. It was paid off through XXXX XXXX and nothing has been done to remove it. Unreal that this still happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX is showing a collections account from XXXX XXXX that has been paid via settlement. I have disputed said account with both bureaus to have the account deleted from my credit report but to no avail.
Product: Credit reporting or other personal consumer reports

Information was in data breach and it is on my report as negative item and miss payments
Product: Debt collection

Hunter Warfield in XXXX, Florida called me looking for XXXX for a rental agreement that was identity fraud. This was not me. I asked them for email confirmation with this statement and I have still yet to receive this file. They told me I need to fill out an identity fraud affidavit and a police report. I told them i will not do this until i get the paper work with them. I also called the apartment complex but have yet to hear back.
Product: Credit card or prepaid card

Discover account was open fraudulently is not mine police report file XXXX XXXX XXXX open fraudulent not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from the following account XXXX XXXX. Block and remove it.
Product: Credit reporting or other personal consumer reports

Please see attachments and make my credit report accuate. DELETE these items. i sent out certified letters, Experian and XXXX about the accuracy of my credit report. Today I noticed that my accounts werent 100 % accurate. The credit bureaus lied about doing a complete investigation and checking it 100 % for accuracy and this is a violation of my rights. I would like to know who did they speak with, who was interviewed and also how exactly was this investigation completed if everything on my report isnt accurate. XXXX did there investigation and remove the items in XXXX. It's been an ongoing process with these other two. The following information was straight from the XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681a - ( e ) 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. This is the law that has to be followed. I am prepared to take this to court if my rights continue to be violated. I am not a lawyer, I have simply looked up information using my resouces and I understand my rights as a consumer. I have a right to privacy which has been violated because I NEVER gave written or verbal consent to furnish my data. I feel like I am being taken advantage of and its effecting my XXXX because this information is effectively taking a toll on my well being. Heres the accounts in question Account Name XXXX XXXX Account number XXXX Account Name - XXXX XXXXXXXX Account XXXX XXXX Account Name XXXX XXXX  Account number XXXX Account Name -XXXX XXXX XXXX Account number XXXX Account Name -XXXXXXXX  Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXXXXXX XXXX ( debt collector is illegally contacting me ) Account number XXXX Account Name -XXXX Account number XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and this is another request to remove the information from my credit file resulting from this incident. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are required to remove any items no later than XXXX business days after receipt of this request. Additionally, the information on some items is unknown to me and has already been removed from other bureaus, raising doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX PL XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

Ameritech Financial bought my student loans from XXXX, XXXX, XXXX, XXXX, and XXXX XXXX in XX/XX/XXXX. I made payments each month until XX/XX/XXXX. At that point, I received a letter from the Federal Trade Commission that my payments to Ameritech were not paid towards my student loans, but in fact stolen. There is a lawsuit pending, and I am concerned about getting my money paid correctly toward my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections amount of {$420.00} from XXXX  that does not belong to me. The account number as shown is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for any purpose.
Product: Debt collection

This company sold this account, but yet still reports this to the credit bureau as negative. Both companies are reporting the exact same account that was taken over by the co signer and is in good standing.
Product: Credit reporting or other personal consumer reports

This is my FOURTH NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. 
The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX XXXX
Product: Debt collection

Sail loans violated the Wage Assignment Act of IL. Illinois Voluntary Wage Assignment Act ( XXXX ILCS XXXX ), a creditor must wait at least 20 days after providing the debtor with a notice before contacting the employer to enforce the wage assignment. I received a letter on XX/XX/XXXX that was dated XX/XX/XXXX. I sent a revocation letter certified mailed which was delivered on XX/XX/XXXX. My employer sent me a notice dated XX/XX/XXXX that they would not honor the voluntary wage assignment. They received a letter from SAIL loans on XX/XX/XXXX, 3 days after the revocation notice was received. They contacted my employer less than 20 days as stated by law. The earliest they could potentially contact my employer for a demand would have been XX/XX/XXXX. I have attached proof of letters with the dates.
Product: Debt collection

Was contacted by a company called " KP Consulting '' ( also known as " KP Asset Consulting '' out of New York. They sent me an unsolicited text message, and claimed they wrote me a letter. I have received nothing from them in writing, ever. I am working with a company called Family Credit, who verified with me in writing that in 2023, they attempted to contact the original lender of this debt, XXXX XXXX, who did not respond. It also appears that KP Consulting is not licensed to do business or collections in the State of Indiana. I explained to the VERY aggressive woman that called that I needed proof of the debt in writing. She didn't bother to confirm my address, or do anything further to find out where to send the proof in writing.
Product: Debt collection

REMOVE THIS COLLECTION IMMEDIATELY,15 USC 1681A 2B, ANY OTHER PURPOSE AUTHORIZED UNDER SECTION 1681B OF THIS TITLE. 2 EXCLUSION- EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) THE TERM CONSUMER REPORTS DOES NOT INCLUDE ( a ) SUBJECT TO SECTION 1681-3 OF THIS TITLE, ANY ( I ) REPORT CONTAINING INFORMATION AS TO TRANSACTIONS OR EXPERIENCES BETWEEN CONSUMER AND THE PERSON MAKING THE REPORT ; COMMUNICATIONS OF THAT INFORMATION AMONG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE. THE INFORMATION MAY BE COMMUNICATED AMONG SUCH PERSONS AND THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT THE INFORMATION IS INITIALLY COMMUNICATED, TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMONG SUCH PERSONS ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS IR HER DECISION SUCH NITICE MAY BE GIVEN TO A CARDHOLDER, Y PRINTING THE NOTICE OB ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD!!!! PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR OR SERVICES ON CREDIT. THE TERM ACCEPTED CREDIT CARD MEANS ANY CREDIT CARD WHICH THE CARDHOLDER HAS REQUESTED AND RECEIVED OR HAS SIGNED OR HAS USED OR AUTHORIZED ANOTHER TO USE, FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES. THEN YOU WILL NOTICE THAT YOUR SOCIAL SECURITY CARD ID/DRIVERS LICENSES ARE CREDIT CARD AND CONGRESS J/UST STATED ABOVE THAT ANY AUTHORIZATIONS OR APPROVALS THAT. AME FROM YOUR CREDIT CARD SHOULD NOT BE INCLUDED IN A CONSUMER REPORT. REMOVE THESE ITEMS NOW OR YOU WILL BE LUABLE FOR ALL DAMAGES XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$12000.00} FSB XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law 15 u.s. code 1681i- procedure in case of disputed accuracy. 
If the completeness or accuracy of any of information contained in a consumers File at a consumer reporting agency is disputed by the consumer and the con notices the agency directly, or indirectly through a reseller, of such dispute, the Agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the 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 reseller Account # XXXX Equifax, XXXX XXXX, XXXX
Product: Debt or credit management

I used them to repair my credit and still nothing I paid repeatedly. They helped me with nothing I sent the letters out myself to the credit collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and they all need to be deleted from my credit report. XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXXXXXX XXXX {$180.00} XXXX XXXX XXXX {$910.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX {$26000.00} XXXX XXXXXXXX XXXX {$110.00} XXXX XXXXXXXX {$32.00}
Product: Credit card

I reported synchrony bank to you guys at cfpb on I wanted my information where I owed and when and the amounts originated on my fanatics card which has a XXXX balance you guys closed the complaint without looking at the papers they sent my fanatics card only showed XXXX which they added deferred interest to a XXXX or so amount t they did not send you guys receipts of all purchases just XXXX worth and the interest they charged on the amount they say I owe over every single day. Same thing with my XXXX XXXX card and PayPal credit card only some of my receipts were there and nowhere close to what they say I owed. Lastly the complaint I made on them closing my accounts they sent paperwork saying I was high risk however if you looked at the paperwork they sent only XXXX and Amazon why they closed it and both of them had a XXXX amount XXXX actually shows I was credited XXXX dollars for overpayment
Product: Student loan

Terrible experience with F ed LoanServicing.  I am in the PSLF program. When I submitted my first ECF, my loans were switched from  XXXX  to FedLoan. I received no credit for past qualifying payments for PSLF that were amde while being serviced by  XXXX . I called a few times and finally someone was able to " help '' me.   They said my account files needed to be thoroughly reviewed, and that I would learn of the results of the review  in 12 weeks. It has been more than 12 weeks and no one is able to say anything other than : File is still being reviewed.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to CIC CREDIT about the reported unauthorized inquiries 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, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX 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 them as soon as possible within my federal and state consumer and/or civil rights.
Product: Debt collection

So on XXXX XXXX XXXX I called Credit Management LP to inquire about an amount owed to them. Upon speaking to a representative from their company they said I owed them {$580.00} dollars. I asked for what and she said it was an unpaid balance for XXXX XXXX. The Rep then told me I was able to Settle this debt for {$290.00} if I paid over the phone right then. I was also informed that this company does not perform any pay to delete services for credit. However they did say that they would settle the account for the amount paid and it would take 2 weeks for the update to reflect on my credit. I agreed to pay this {$290.00} to settle the account with them seeing as I had the time to wait for it to reflect on my credit. But now its been more than 2 weeks and about to be about to be 2 months since this settlement occurred and they have still not held up their end of the bargain. Which is now affecting me in the process of purchasing a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2017 I received mail fromTransUnion and the letter stated that 9 items was deleted. I was't notified, which is required by the FCRA, that these items will be reinserted. The original letter showing the 9 items was deleted will be in the attachment below.