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

The date of last activity is incorrect. How can this account be charged off when I pay them on time and in full.. Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX,
Product: Checking or savings account

**Contribution Reason : ** Account Abuse Second account that not mine and need to be removed immediately The details of the disputed information are as follows : - **Name : ** XXXX XXXX XXXX **SSN/Tax ID # : ** XXXX - **Phone : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - **ID # : XXXX XXXX XXXX **ID Type : ** Driver License, **ID State : ** XXXX - XXXXAlt ID State : ** XXXX  - **Date of Birth : ** XX/XX/XXXX - **Bank Routing # : ** XXXX - **Account # : ** XXXX - **Account Type : ** Primary signer - **Incident Date : ** XX/XX/XXXX - **Principal Loss : ** - **Fee Reversal : ** - **Combined Loss & Fee Reversal : ** - **Paid/Unpaid/Settled : ** Unpaid - **Contribution Reason : ** Checking Account Fraud
Product: Credit reporting or other personal consumer reports

After checking my personal credit report from XXXX and Experian I discovered a collection agency account from XXXX XXXX XXXX for {$2400.00} that doesn't belong to me and is the result of identity theft. The original creditor for this item is XXXX XXXX XXXX XXXX. This collection agency charge is not mine and is the result of identity theft. There are also 3 hard credit inquiries on my XXXX and Experian credit report that are not mine are the result of fraud. The inquiries from XXXX XX/XX/XXXXXXXX, XX/XX/XXXX, andXX/XX/XXXXXXXX are not mine and are the result of identity theft.
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

Debt Collection {$9500.00} paid to XXXX XXXX XXXX File # XXXX XXXX sent XXXX XXXX XXXX XXXX check via certified mail. 

XXXX Funds were received and check cleared by XXXX XXXX XXXX XXXX Received letter saying check was returned by our bank unpaid. Any arrangements that we may have with you to withhold the next step in the Kegan process were breached by sending us a dishonored check. Unless we receive a replacement payment, ee may proceed with legal action. 

XXXX XXXX from XXXX XXXX XXXXXXXX Enclosed cashier 's check ( possible copy ) with multiple dated stamps and handwriting " XXXX ''. 

XXXX I, XXXX XXXX, contact XXXX XXXX XXXX. They say the funds were in-fact sent to the debt collector XXXX XXXX XXXX and will send my a copy of proof. 

XXXX I, XXXX XXXX, call XXXX XXXX XXXX XXXX XXXX XXXX They decline to be recorded after I grant my permission to them and refuse to talk via telephone. 

XXXX XXXX XXXX XXXX XXXX XXXX, representing XXXX XXXX XXXX, is committing mail fraud and an attempt to receive multiple payments for debt already paid for and deducted from my account a month after receiving payment.
Product: Credit reporting or other personal consumer reports

After my wages being garnished because someone with my name owed a debt I started to keep watch over my credit report, receiving emails about data breaches and things I decided to be proactive. In doing so I noticed accounts that do not belong to me. not only am I a victim of a few data breaches but I am also a victim of identity theft. I am unsure if these accounts belong to the same woman in which I had a wage attachment for but these accounts do not belong to me, nor should they be reflection on my report if they have not been verified. A report should be 100 % accurate and true, which it is not due to these accounts. XXXX XXXX {$200.00} ; XXXX {$1100.00} ; XXXX {$140.00} ; XXXX XXXX {$930.00} ; and XXXX {$240.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, the XXXX XXXX XXXX XXXXXXXX Account with the account number XXXX was removed from my consumer report. However, I noticed that on XX/XX/2023, this account was reinserted, resulting in a significant decrease of XXXX points in my credit score. This adverse impact on my credit score is now hindering my ability to apply for a credit card. 

I am formally requesting the removal of the aforementioned account from my consumer report. Moreover, I request assurance that this account will not be reinserted in the future. The abrupt change in my credit score has had tangible consequences on my financial options, and I believe rectifying this situation is imperative for my financial well-being. 




Under the requirements of the FCRA, as provided below, I am hereby requesting your complete compliance with all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

o ( I ) a statement that the disputed information has been reinserted ; o ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and o ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I have received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your company may avoid such action by immediately deleting this listing from my credit report.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my credit report, but this time, unexpected discrepancies appeared out of nowhere. I even tried refreshing the browser, thinking it might be a glitch, but nothing changedthe inaccurate accounts stayed there. Because of this, I urgently ask for a thorough review of the documents I've submitted so I can finally put this worry to rest for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

My husband and I have just recently received our escrow analysis letter that stated that we needed to pay {$1500.00} in order to ensure that our escrow account is brought back up to date and that we would also have to pay {$650.00} a month due to this. We pay {$490.00} a month now and we have come to find out that they have taken out {$1300.00} in XXXX XXXX to pay the home insurance with XXXX different insurance companies and another {$750.00} in XXXX XXXX to pay the home insurance with a company that has a cancelled policy. They keep blaming it on the insurance companies, but we see it as they are taking money from us considering they are paying an insurance company that does n't have a policy on our house. Additionally, they are refusing to provide us with the declaration as well as refusing to provide a 14 month ( XXXX XXXX to XXXX XXXX ) printout of the escrow account so we can see where the money has gone to. We can not purchase a new roof due to our house payment increasing almost by XXXX % and our escrow is now negative.
Product: Debt collection

I recently reviewed my credit report after being release from prison and found that I have been a victim of id theft. I have a collection from XXXX XXXX OF XXXX Original creditor : XXXX XXXX XXXX that is not my debt and I never was notified that I owed a debt. The negative collections are hindering my ability to acquire a place to live. Below is a copy of the collection. 


Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1200.00} {$1200.00} Payment Info Original balance {$1200.00} Balance {$1200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements
Product: Debt collection

I received an email that I got a new collection last XX/XX/XXXX of 2024, from Reliant Capital Solution as the collector, and the original creditor name is XXXX XXXX  XXXX Nevada. 

I am subscribed to XXXX XXXX by XXXX XXXX. I called them to dispute this file, and they filed this dispute ; they called me 24 hours later, and we had a conference call with Reliant Capital Solution ; they asked me if I had ever lived in XXXX XXXX ; this collection is for {$1700.00} for a student loan, I said to them I have never lived outside Texas or Florida and I neither study any college in the United States. 

They asked me to file a police report and file a claim in idetitytheft.gov and the Federal Trade Commission ( www.ftc.gov/. ). I have done everything they required. 

I also called XXXX XXXX, and they informed me I do not have any outstanding loans. Therefore, I called the XXXX XXXX XXXX Nevada, and they said they are a private school. I was required to send all the information I sent to the collector agency, still waiting for their response.
Product: Credit reporting or other personal consumer reports

Help me create a dispute letter using the law XXXX not responding and investigating in a timely manner XXXX
Product: Credit card

15 years ago I opened a low line of credit credit card with XXXX XXXX. Due to unemployment and medical bills from a very sick baby this card ended up in default. It has been over 10 years and now Stenger and Stenger are threatening garnishment for a debt that was written off. The have been renlentless with a debt that is past the SOL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to each bureau to correct the issue reflecting on my credit report as being late. I have NEVER BEEN LATE. Here are the accounts : XXXX XXXX XXXX # XXXX shows late XX/XX/XXXX. 
XXXX XXXX XXXX # XX/XX/XXXX, XXXX XXXX Shows late. XXXX XXXX XXXX Belongs to my ex-husband and NOT TO ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had problems getting a dispute by XXXX XXXX XXXX removed from my Experian report. Both XXXX  and XXXX have had no problem removing the item. XXXX XXXX XXXX Scams small businesses and the credit bureaus should not be allowed to give them a platform. Small businesses are the backbone of this countrys economy and a large company thats sole business model is to defraud them into paying {$5000.00} for a {$150.00} credit card machine is shameful. XXXX XXXX XXXX makes up 25 % of New York States default judgments. They exist to sue. Think broke numerous State of Texas door to door sales laws against my company when they tried to got me to sign up. I have filed complaints with the NY Attorney General and Texas Attorney General. NYAG even has a lawsuit against them, and they lost lawsuits in other states for there criminal enterprise as well. I sent all my evidence and certified letters to Experian showing how this company was defrauding me and all they report back is that it is a valid debt. I want to know how it is validated and the proof of it. It is not a valid debt it is theft and should not be allowed. Just like loan sharks dont have access to a credit report this company should not as well.
Product: Money transfer, virtual currency, or money service

Cash app has been scamming me for years now and I want everything back! All of my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery DID NOT DISCLOSE THE DATE OF FIRST DELINQUENCY ON THIS ACCOUNT as requested in previous complaint closed by Portfolio Recovery. The Company DID NOT AND HAVE NOT provided the THE DATE OF FIRST DELINQUENCY TO XXXX, XXXX OR XXXX  credit agency. In Portfolio Recovery response to previous complaint, they only stated this Citibank adverse account was opened in 2010 and was purchased by Portfolio Recovery in XXXX. The Statue of Limitations legally allows that this adverse account be removed from my credit reports 3 years from the THE DATE OF FIRST DELINQUENCY SINCE THE INITIAL CREDITOR IS INCORPORATED IN THE STATE OF DELAWARE. The attached bill statement provided by Portfolio Recovery in previous complaint does not include the information requested, which is the THE DATE OF FIRST DELINQUENCY. The bill statement does not reflect the first delinquency. I have included the attached statement provided by portfolio recovery via my initial complaint to CFPB. I formally request this account be removed/updated with the THE DATE OF FIRST DELINQUENCY on XXXX, XXXX, and XXXX credit report. I BELIEVE PORTFOLIO RECOVERY IS ILLEGALLY WITHHOLDING INFORMATION IN ORDER TO COLLECT DEBTS PAST THE STATUE OF LIMITATIONS OF VARYING STATES.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please delete thefollowing items listed below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Debt collection

Best Egg ( original creditor is XXXX XXXXXXXX XXXX XXXX  has charged this account off on my credit report. They have sold this account to XXXX XXXX XXXX to collect the debt and now XXXX XXXX XXXX has contracted XXXX XXXX XXXX to collect the debit but XXXX XXXX is also trying to collect as well. So I have received documentation from 2 companys trying to collect on the same account. 
XXXX XXXX is trying to collect the original amount owed for XXXX XXXX and XXXX XXXX is trying to collect a different amount
Product: Debt collection

Americollect XXXX XXXX XXXX XXXX, XXXX, WI XXXX I recently contacted the above company by mail concerning verification of debted accounts. I requested original documents that they have with my signature connecting me with those accounts which I have the right according to the FDCPA. They have not provided me with the said request thus far. By reporting this to the credit bureaus they have damaged my reputation and credit worthiness, and may be in violation of other federal laws.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 
I insist that you cease reporting this account as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. The information I am disputing is as follows : XXXX - XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are in serious viloations of the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} ; XXXX  XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} ; XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} ; XXXX  XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$440.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3300.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Product: Mortgage

Select Portfolio Servicing is attempting to alter the original terms of the mortgage. 
i currently have a {$10000.00} home insurance deductible and SPS is requiring that I rework the insurance policy to lower the deductible to {$5000.00}. The {$10000.00} deductible also covers all contents within the home. The current assessed value of my home is {$970000.00} but the mortgage balance is {$400000.00}. 
This mortgage originated 10 years ago and met all insurance requirements. mortgage was bought and sold several times. SPS is the only company requiring I alter my insurance policy.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the inaccurate credit information currently reported by your agency. The inclusion of the following information in my credit profile has adversely affected my good credit standing, leading to a wrongful denial of credit recently. 
As per credit reporting laws, it is imperative that bureaus report only accurate credit information. I believe the inclusion of this inaccurate information is a mistake, either on your part or the reporting creditor 's. This mistake has not only been highly embarrassing but has also negatively impacted my lifestyle. 
I kindly request the prompt verification and deletion of the following information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your swift attention to this matter and request the removal of the aforementioned information as quickly as possible. 
Sincerely, XXXX XXXX
Product: Debt collection

I received a spam call, about me having a formal complaint against me about a debt that I never even had or owed. The company that they mentioned was One Main Financial. Ended up calling the actual company, and they were able to confirm that I do not have an account with them nor do I or have I ever owed them any money. 

The phone number that was trying to SCAM me was if a Colorado area code XXXX. 

Hope this helps others!