23daVinci/CFPB_Complaints huggingface dataset:
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 items in line with Sections 609  ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I owed money/funds from XXXX XXXX XXXX However ; financial hardship came and I tried to settle my debts with XXXX XXXX XXXX BUT it did 't work since XXXX  XXXX did not do what they have promised based on what was agreed. I realized freedom was not paying my creditors accordingly, instead they want more money to start repaying my debts. One of the lenders included in debt consolidation was XXXX XXXX. I tried to correct what was already damaged, they XXXX XXXX XXXX stated my loan is already in collection, therefore ; I have to coordinate with them. XXXX XXXX  did not mentioned the name of Alpha Recovery Corp. until I received a call at work by the name XXXX or XXXX with phone number XXXX. She was aggressive, I asked not to call my work number instead call my cellphone. But whenever, XXXX calls and I missed to answer my cell phone during working hours she would then call our office and asks for my name. Our receptionist would then transfer the call. I made a verbal settlement over the phone with Alpha recovery corp., I believed XX/XX/XXXX to start in XX/XX/XXXX not sure the exact date. I will have to go my bank to recover 3 years of statement to be able to get full payment detail since Alpha never provide payment history statement. the last harassment they did was XX/XX/XXXX / XXXX XXXX they said they will call back XX/XX/XXXX to review my debt. I have been calling them since XX/XX/XXXX, during their business hours, machine answers all the time saying " our office is currently closed, please call during office hours '' I have been calling XXXX and XXXX, no one answered. I tried going online using their website address the site can't be reached. thank you
Product: Credit card or prepaid card

On XX/XX/2023 I received a letter in the mail from XXXXXXXX XXXX stating that my identity was involved in a security breach and my identity may have been compromised. Then the very next day I received an email saying I needed to verify the invoice that was attached prior to XXXX completing the transaction. I did not approve and stated that the invoice was not mine. While driving home I received a text message saying it was XXXX and that I needed to verify my identity because it appears to have been stolen. They read my account information and then asked for verification. I had 4 different transactions. They said I should go to the nearest XXXX XXXX to verify my identity im person. Take my driver license and charge card I said there was no XXXX store nearby. He then asked if XXXX, XXXX, XXXX or XXXX were nearby. I said yes of course. He then asked me to go to one of those stores and purchase 2 gift cards for {$500.00}. I said no I am not gon na do that because I would be out of more money. He explained it was not even going to show up on my account as he was going to put the money into my XXXX account and send me a copy of the transaction. He then did exactly that, or so I thought. I winded up going to 2 more stores with the total monies spent was about {$4000.00}. He thanked me for my assistance and said to be sure and check to see he had been on the up and up. Needless to say when I got home and saw my bank account was - {$520.00} I had a good cry jumped in my ran back to the stores and told them what happened. They checked the card and they had a zero balance.. I got a case number for their report and said I should contact my bank. When I contacted my bank I was told they could not even submit a report because I had made the payment. I said they could not be for real. I even had a request to get notified when any transactions over $ XXXX was notified alright after I spoke with them. I unfortunately was ride to the lady on the phone and hung up, The next day I decided to try again. I wanted to at least have a report filed. This time I had a very nice gentleman on the phone who was very nice and was more than happy to file a report for me. I have been pursuing alt of the agencies I could find to file a report and I froze my account. Please advise me as to what I should do next. Looking forward to hearing back from you soon. Thanking you in advance for any assistance you can provide.
Product: Debt collection

Flex is a company that pays people rent in halves. I was charged XXXX by the company without my authorization and my rent was not even paid by Flex. Already struggling with my bills, Flex set me back even further. I immediately disputed the charge with my bank and after about a week the dispute was approved and I was refunded. Now, Flex is claiming I owe another {$400.00} and if it is not paid promptly it will be sent to collections and reported on my credit. 

I never authorized Flex to attempt to pay my rent, take money from me, or anything of the sort. I have emailed Flex numerous times trying to get this resolved to no avail and they do not have a phone number. I have been scammed and money has been stolen from me and now Flex is trying to take more and threatening to make my credit look bad and I feel as though I am a victim of minor identity theft as I never authorized this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon I called Equifax to dispute a few items that are incorrect are my credit report and just received my updated one and the items are still on there. If you could please resolve this I would greatly appreciate it as I am trying to secure an apartment and I need to have a clean credit report. It is very important that the items are updated properly on my credit report. 

The first problem is my current employer does not show on my credit report. My current employer is XXXX. I started working there from XX/XX/2021 to the present. My current title is XXXX at XXXX. Please update accordingly. Also, please note that the previous employers that are on my report are correct. The only issue is that the current one is not updated. Would you please be sure that all three credit reports reflect this. 

The second item in question is XXXX XXXX XXXX in the amount of {$1000.00}. This HAS BEEN PAID IN FULL. Would you please update all three reports to be sure this is reflected that it has been paid in full. 

The third item in question is XXXX XXXX XXXX CARE OF XXXX XXXX XXXX in the amount of {$330.00}. Please be aware that this has BEEN PAID IN FULL. Would you please be sure all three credit reports reflect this? Equifax, XXXX and XXXX. Thank you! 

The fourth item in question is XXXX XXXX XXXX in the amount of {$480.00}. Please be advised that THIS HAS BEEN PAID IN FULL. Would you please be sure to update all three credit reports to reflect this? XXXX, Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have sent several complaints this is my 3rd time REQUESTING, the unverified accounts listed below still on my credit report in violation of FCRA Federal Law. The FCRA required a copy of the original creditors documentation on record/file for me to verify the alleged accounts are mine and that it is accurate.

I dont have any records of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( my we ink signature paperwork ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

1.XXXX XXXX XXXX XXXX , 2. XXXX XXXX XXXX XXXX
Product: Consumer Loan

I had signed up for a fitness training membership with XXXX XXXX XXXX ( financed through Affiliated Acceptance Corporation ) inside the XXXX in XXXX, TX. At this time, I was told that this is a 12 month agreement with XXXX sessions a week and each session {$29.00}. I was told I would have measurements taken every month, that I would have a log in account to have access to my information, and that I would be given work outs to complete on days I was not with my trainer. I agreed to this and was connected with a trainer named XXXX. I texted XXXX and set up my first appointment. I showed up for the appointment to meet my trainer, but was told he was not there that day. I received no text or notification from him that day or for the weeks following saying why he could n't make it or that he wanted to reschedule. I even texted and called him multiple times to figure everything out. I finally received a text from him 2 months later, after I had gotten a new trainer, asking if I wanted to work out with him. This is horrible customer service, and I should have cancelled my membership at that point. 
Instead, I requested a new trainer. I thoroughly enjoyed my membership with my trainer. However the agreement I was promised, was not satisfied. I was never given work outs to do on days I was not with my trainer, monthly measurements were not taken, and I was never given a log in to view my account information. 
A few months later I was notified that my account was past due 3 months of membership fees. I had never received any type of notification either via email or mail. At that time, I had thought the fees were being taken out each month and I did n't have enough money to catch up and bring the account up-to-date. I requested my account to be paused while I saved up the money, but was told they could only hold the account for medical reasons. As I began saving money and receiving my IRS refund, I had attempted to contact them to update my account. I submitted a contact request on their website and attempted to email them. Each time I try to email them to the email ( XXXXXXXXXXXX ) on their website, I get a " Delivery has failed to this recipient or group : XXXXXXXXXXXX ''
Product: Credit reporting or other personal consumer reports

I am disputing account listed under the name XXXX XXXX XXXX on my consumer reports. This dispute pertains to an account which I have no knowledge of, nor have I ever held a card or any form of credit with this entity. My prior disputes with Equifax, XXXX, and XXXX have failed to resolve this matter, and I am now seeking your assistance under relevant consumer protection laws. 
I have no knowledge of any account with XXXX XXXX XXXX  and have never applied for or used any such credit. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. I have repeatedly requested verification of this account, including a signed contract or application, and have received no such evidence. The absence of any verification documentation strongly suggests that this account is erroneous and should be deleted immediately. 
Under the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ), the consumer reporting agencies are obligated to provide the results of its reinvestigation within 30 days. Despite my multiple requests, all 3 has failed to provide detailed results of their reinvestigation process or any documentation supporting the legitimacy of this account. This non-compliance is a violation of federal law and further substantiates my claim that the account is not valid. 


The account in question is reported as charged off since XXXX. According to the Truth in Lending Act ( TILA ), specifically under 15 U.S.C. 1666i, charged-off accounts should not continue to report new late payments on a monthly basis. The continuous reporting of late payments on a charged-off account is incorrect and misleading, thus violating my consumer rights. 

As a victim of the Equifax data breach, my personal information has been compromised, placing me at heightened risk for identity theft and fraudulent activity. This breach underscores the necessity for Equifax and also XXXX and XXXX to handle my dispute with utmost diligence and accuracy. 
Given these violations and the impact on my creditworthiness, I demand the immediate deletion of the disputed XXXX XXXX XXXX account from my Equifax, XXXX, and XXXX consumer report. I also request a comprehensive report detailing the procedures followed during the reinvestigations, as mandated by the FCRA. 
I expect a thorough and timely response, with evidence supporting any information that Equifax, XXXX, and XXXX intends to retain on my report. Failure to rectify this issue promptly will leave me with no choice but to escalate the matter through legal avenues and regulatory complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/1981 SS # : XXXX Hello, Back on XX/XX/XXXX I requested validation of : XXXX XXXX XXXX Account Number : XXXX I never received validation and it is still reporting incorrect payment history as shown in the attachment. I never missed any payments. This has upset me and hurt me mentally, physically and emotionally and I am requesting that this account be deleted, that we look into arbitration and that I be awarded remedy in the amount of XXXX dollars paid out to me by check and mailed to the address listed above. This is XXXX from the credit reporting agencies as well as from XXXX XXXX XXXX. My affidavit of truth is being written right now please look forward to it. Please cease all contact aside from communication through the CFPB portal. Any documents that you may want to provide should strictly be uploaded here. Please adhere to my terms explicitly!!! 



Thank you. 
CC XXXX XXXX, Esq
Product: Credit card

I received convenience checks from Barclay Card US ( XXXX ) to complete a deposit into my checking account. At the time, the card the check was tied to had a {$0.00} balance and a {$7100.00} credit limit. Barclay Card returned the check and when I called them they said it was because they were having system issues. Then the representative changed the story and said it was because I wrote the check out to cash ( I did n't ). The check was not written out to cash, it was written to myself to deposit into my checking account to pay bills. I am now suffering a tremendous amount of overdraft fees due to their fake checks. 

Additionally, I receive these checks once a week. This means that once a week I have to shred these. This is predatory and should be stopped.
Product: Debt collection

Please send assignment contract chain showing you own the debt. If you can not provide this, then please remove my contact information from your systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already cleared my loans. But XXXX can not remove in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Product: Debt collection

I TOOK OUT A CREDIT CARD WITH XXXX ABOUT XX/XX/XXXX. I HAD TROUBLE PAYING IT BACK, SO MY ACCOUNT WAS SOLD 3 TIMES TO A DEBT COLLECTOR. THE ACCOUNT ENDED UP WITH MIDLAND FUNDING LLC. MIDLAND FUNDING FILED A CIVIL SUIT AGAINST ME FOR OVER, XXXX. THE CREDIT AMOUNT WAS ONLY XXXX. THE HEARING WAS SCHEDULE FOR XX/XX/XXXX OR XX/XX/XXXX, BUT WAS RESCHEDULED BY MIDLAND AROUND XXXX TIME, XX/XX/XXXX OR XX/XX/XXXX. I SHOWED UP AT THE HEARING, BUT MIDLAND DID NOT. THE DISTRICT JUSTICE JUDGE, XXXX XXXX, PHONE NUMBER, XXXX, RULED AGAINST MIDLAND AND IN FAVOR OF ME, BECAUSE MIDLAND DID NOT SHOW UP. I NOW FIND OUT, THROUGH MY JOB 'S REQUIREMENT TO HAVE A BACKGROUND CHECK FOR CREDIT PURPOSES, THAT MIDLAND HAS TURNED THIS AMOUNT OF MONEY OVER TO THE CREDIT BUREAUS. I CONTACTED MIDLAND A MONTH AGO ABOUT MY CREDIT REPORT. A FEMALE WAS SUPPOSE TO GET BACK TO ME IN FEW DAYS, SHE SAID. WELL, I FOLLOW-UP WITH MIDLAND TODAY, XX/XX/XXXX. I SPOKE TO ANOTHER FEMALE EXPLAINING THE CIVIL SUITE AND I WAS EXONERATED, DUE TO MIDLAND NOT SHOWING UP TO THE HEARING. THE FEMALE JUST KEPT SAYING I OWE THIS DEBT. I ASKED TO SPEAK TO SOMEONE IN THE LEGAL DEPARTMENT, BUT SHE REFUSED TO TRANSFER ME TO THAT DEPARTMENT. I SAID TO THE FEMALE, MIDLAND CAN NOT SUE ME IN COURT AND NOT SHOW UP AND TURN ME OVER THE CREDIT BUREAU. THE FEMALE STILL SAID, I OWE THIS DEBT. MIDLAND FUNDING LLC TELEPHONE NUMBER IS XXXX. I'M ASKING THAT MIDLAND CLOSE THIS ACCOUNT AND REMOVE IT FROM MY CREDIT REPORT. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed an inquiry on my credit profile from Security Finance. Ive never applied for any loan with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.
Product: Credit card or prepaid card

I never knew that sending money to my incarcerated mentee usig my Capital One credit card was considered a cash advancement. So using XXXX XXXX, XXXX or XXXX is considered a cash advancement that prohibited me from obtaining a credit increase. I fee this practice is discriminatory and targets XXXX, XXXX and XXXX people who are trying to send incarcerated people money. It is akin to redlining in the real estate industry.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, my Chase Freedom credit card was fraudulently charged {$1700.00}. Unfortunately, this occurred on the due date of my statement balance. I immediately contacted Chase to report the fraudulent charge, as I didnt have a {$1700.00} balance available, and I was concerned that if the charge posted, it would appear as though I had maxed out my credit card.

A Chase representative assured me the charge would be removed ; however, it still posted to my account on the statement closing date. This made it look like I had exceeded my credit limit, which caused my credit score to drop by XXXX points. This situation is incredibly frustrating, as it was not my fault, and Ive worked hard to build my credit score.

The sudden drop in my credit score has negatively impacted my future plans and potential purchases. I urgently need this issue to be resolved and my credit score restored to its previous state.
Product: Mortgage

My mortgage was sold to bsi back in XXXX from XXXX XXXX XXXX. I was previously on a deferred program with the company and opted to start back making payments once I did that my loan was sold. I mention all of that to say the new company BSI is listing my loan with them as deferred and my payments from XXXX - XXXX are not being reflected on my credit report. I reached out to the company several times with no results. I am currently trying to refinance but due to the incorrect information BSI is reporting I am gaving issues doing so. My previous deferral with XXXX XXXX XXXX does not carry over to BSI. Please remove the deferral listing you all have reporting on my credit report and please update my payment history so that it can reflect the payments made from XXXX to current
Product: Debt collection

1800 LoanMart fraudently obtained a loan against the title of my XXXX XXXX XXXX. I do not know who obtained the loan but my information was used illegally. I had first notified loanmart of this theft in XX/XX/XXXX. A police report was then filed in XXXX of XXXX after every attempt to contact the company went unanswered. All police reports have been sent to the company multiple times. The car was stolen and a felony assault charge was placed on the repossession agent in XXXX. Again, police reports were sent to the company and all answers to have the vehicle returned were left unanswered. 

Requested information including police reports, ID and affidavit of identity theft were sent again via email to XXXX XXXX on XX/XX/XXXX the 5th business day after a letter was sent to me disputing the claim of identity theft. 
I have requested all the information that was used to obtain this loan and the documentation with a wet signature but have not been sent anything. I was told previously by a detective with the XXXX Police department that whoever obtained this information and loan did it all electronically. 
The information reported to the credit bureaus is fraud.