23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX Date of Birth : XXXX XXXX SSN : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX Revolving with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1500.00}. The original creditor is XXXXXXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account from JEFFERSON CAPITAL LL with account # XXXX and a balance of {$850.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Product: Debt collection

sw credit systems inc. for XXXX. my credit report states i owe them XXXX. I have no idea what this debt is?
Product: Debt collection

XXXX {$1500.00} I Tryed to talk to the company they have no information about the debt that's owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to remove temporary freeze on my Equifax account. I called them up. After much difficulty i could get to an agent. They asked me to send the SSN, DRIVING LICENSE, and my home lease documents by mail. I sent it to them and for more than a month i received no response. I followed up with them and they asked me to fax it. I faxed on XX/XX/XXXX, XXXX i called them up again on XX/XX/XXXX. They say they are waiting for my document. Now they ask me to mail the same documents again. The help desk person keeps saying that there is a document required. However we dont get any further help. In spite of sending by mail and by faxing as needed, its scary that they cant find my documents. I am unable to apply for any of my other loans or needs because of this delay. Please help.
Product: Debt or credit management

Concora Credit is lying by misrepresentating, advertising, using fictitious loose papers for the purpose of extortion and embezzlement. Aswell as using mail fraud to complete their goal to extort {$440.00} from the living breathing age of majority me.
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX TX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Equifax Dispute Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dispute of Unauthorized Hard Inquiries on Credit Report Dear Equifax Dispute Team, I am writing to formally dispute unauthorized hard inquiries on my Equifax credit report. After a thorough review of my report, I identified several hard inquiries that I did not authorize, as listed below : Disputed Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize these hard inquiries, nor did I initiate any actions that would have resulted in their placement on my report. 
Legal Basis for Dispute Under 15 U.S. Code 1681b ( c ), only permissible purposes may warrant hard inquiries on a consumer report. These inquiries do not align with my credit application history, nor did I grant any creditor the necessary authorization. Additionally, 15 U.S. Code 1681c-2 states that a consumer reporting agency must block the reporting of any information resulting from identity theft or unauthorized actions within 4 business days of receiving notice.

Pursuant to the Fair Credit Reporting Act ( FCRA ) : I have a right to privacy and confidentiality under 15 U.S. Code 1681 ( Section 602 A ), and these unauthorized hard inquiries are a violation of that right.

Under 15 U.S. Code 1681i, I have the right to dispute inaccurate or unauthorized entries, and the reporting agency must investigate and correct any errors.

Requested Action Please remove the listed inquiries from my credit report within 4 business days of receiving this notice. Failure to resolve this matter may lead to further claims for statutory damages for unauthorized entries on my report, as these hard inquiries impact my credit score and financial standing without my consent. 
Thank you for your prompt attention to this matter. I look forward to confirmation of receipt of this dispute and the resolution of my credit report. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/19, 745-Cash assessed charges to my checking account that the loan was not associated with, it was associated with a different checking account from an entirely different bank. There were 2 charges assessed, the first charge was in the amount of {$420.00} and the second amount was for {$30.00}. 

Leading up to this I got on a payment plan and made the first payment with my XXXX XXXX XXXX account, the payday loan was written from my XXXX XXXX account. They went in and debited the entire payday loan amount from my XXXX XXXX XXXX account even though they had no paperwork authorizing them to do that. I asked them to reverse the charges and they refused even though they took the money fraudulently. 

After refusing to refund the non-authorized charges, I had to go into XXXX XXXX XXXX and file the paperwork for the fraudulent charges to have them removed, resulting in a {$50.00} charge from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX my rights to privacy have been violated. By illegally publishing Bankruptcy case # XXXX with out my consent. 
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.

According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Product: Credit reporting or other personal consumer reports

This account does not belong to me XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX chase stated theres was a glitch in their system that XXXX out my available balance for my credit card. I should have at least {$700.00} available credit in my card to use, but they wont let me use it. I even asked if they could issue a temporary credit for me to be able to use my card for what I desperately needed it for. I was able to charge {$240.00} on XX/XX/XXXX to XX/XX/XXXX and then on XX/XX/XXXX it just stopped working. When I contacted chase they said there is nothing they could do to assist me and it left me stranded with no money. I dont understand why this issue is happening to me and I believe it is retaliation because I have not paid any interest on the card since it was issued.
Product: Credit card

XXXX FRAUDULENT CHECKS ( ACCESS CHECKS ) LINKED TO MY CREDIT CARD WERE PRESENTED TO MY BANK XXXX BANK OF AMERICA XXXX FOR PAYMENT. I DID NOT WRITE OR AUTHORIZE THESE CHECKS. THE CHECKS WERE RETURNED STAMPED EXPIRED. THE CHECKS CONTAINED AN EXPIRATION DATE. WHICH HAD PASSED
Product: Debt collection

I am constantly receiving letters from Jefferson capital systems Trying to collect on a debt that I do not own I have reached out to the company on several occasions and the company refuses to Validate such claims and continues to harass and threaten to garnish my wages and/or salary if demands are not met
Product: Mortgage

I was approved for a short sale in XXXX XXXX and secured a buyer in XXXX XXXX. I have met every requirement, yet no progress has been made. I am repeatedly told to call back in XXXX days while facing financial hardship. This delay risks breaching a legally binding contract, exposing me and the servicer to potential legal liabilities. I urgently request your intervention to prevent further harm. Please advise.
Product: Credit reporting or other personal consumer reports

On XXXX 2024 I sent a letter to Experian requesting that they remove inaccurate address information that is being reported on my credit report. 

They responded via email that the information was verified and that it would not be removed. 

This information is not accurate and is in violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX and XXXX  - XXXX XXXX XXXXXXXX
Product: Debt collection

This company is reporting inaccurate data to the major credit bureaus have disputed multiple times with each bureau. Requesting validation of said debt
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I attempted to withdraw XXXX XXXX  from my CashApp XXXX XXXX XXXX ) account and send it to my fathers account in XXXX. However, CashApp blocked the funds, claiming that the transaction was restricted by the Office of Foreign Assets Control ( OFAC ), U.S. Department of the Treasury. 

To resolve this issue, I obtained an official letter from OFAC, confirming that the transaction was fully compliant with U.S. Treasury regulations. Despite providing this documentation, CashApp ignored the OFAC license and refused to release my funds. 

For the past XXXX months, I have repeatedly contacted CashApps customer support, only to be caught in endless cycles of customer support. 

Additionally, CashApp has ignored my emails, hung up on me during phone calls, and provided no legal justification for holding my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 ) also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

This one person emailed me how they help orphanages with money in which people donate, and so I agreed to send them money in which I did. After I did for some reason they emailed me a check of XXXX, so I used the check and they asked for the money of the whole check and much more from my wallet, I told her or him no why and she got her or his friend on me. They're friend threatened to call fbi on me and get my bank account banned and steal my money from me, and they did steal money from me, about XXXX. And theyre still forcing me to use their fake checks and give them my money and the checks money, and if I dont theyll steal more from my bank account. This started about 2 days ago.
Product: Credit card or prepaid card

Online access not working to maintain account and pay bill. Every attempt to change password fails and responds with theres a glitch, this problem has occurred for 3 months, I am unable to log in and make payments which led to me being late 30 days and hurting my credit
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for XXXXXX/XX/XXXXXXXX Account To Whom It May Concern : I am submitting this formal dispute regarding inaccurate late payments reported on my XXXXXX/XX/XXXXXXXX account. This complaint specifically pertains to the credit file maintained by XXXX, XXXX, and Equifax. I have identified significant discrepancies and errors in the reporting of late payments, which misrepresent my payment history and violate federal laws designed to protect consumers. 
Nature of the Complaint : Inaccurate Late Payments : Equifax : Reports a 30-day late payment for XX/XX/XXXX. 
XXXX and XXXX : Report a 30-day late payment for XX/XX/XXXX. 
I assert that these late payments are incorrect. I have consistently made my payments on time, as confirmed by my autopay enrollment for this account. 
Discrepancies in Account Information : High Balance : Reported as {$2500.00} by XXXX and XXXX, but {$0.00} by Equifax. 
Payment Amount : {$64.00} ( XXXX and Equifax ), {$100.00} ( XXXX ). 
Last Verified Date : XXXX : XX/XX/XXXX ; XXXX : Not reported ; Equifax : XX/XX/XXXX. 
Date of Last Activity : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax : XX/XX/XXXX. 
Date Reported : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax : XX/XX/XXXX. 
These discrepancies highlight the lack of consistency and accuracy in the reporting of this account across the bureaus. 
Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i : Mandates that credit reporting agencies investigate disputes and correct inaccurate or incomplete information.

15 USC 1681s-2 : Obligates furnishers of information to provide accurate data to credit reporting agencies.

15 USC 1681n and 1681o : Establish liability for willful and negligent noncompliance with FCRA requirements.

Truth in Lending Act ( TILA ) : Ensures that all credit information reported is accurate and truthful.

Fair Debt Collection Practices Act ( FDCPA ) : Prohibits the r
eporting of false or misleading information regarding a consumers debt.

Requested Resolution : I request the following actions be taken : Conduct a comprehensive investigation into this matter. 
Remove the inaccurate late payments reported for XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX and XXXX ). 
Correct all discrepancies in account details, ensuring uniform and accurate reporting across all credit bureaus. 
I expect written confirmation of these corrections within 30 days from the date of this complaint. Failure to resolve these inaccuracies may compel me to take further legal action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. Please contact me directly if further clarification is required. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Original creditor : XXXX XXXX XXXX XXXX sold the debt to NCB Management Service and they calling with threatening messages and the original creditor seized the vehicle. The amount they say I owe is {$12000.00} and thats incorrect. They seized the vehicle and staying I owe more then its worth and ruined my credit. I have written letters several times and contact the credit bureau to provide proof of the original contract and they provided me with nothing. Im trying to buy a home for me and my kids and grand kids.
Product: Credit reporting or other personal consumer reports

I was XXXX looking over my credit report and found some addresses that appear to be incorrect I have I closed documentation providing proof of my current address, As instructed to do on your website. To make the process easier here is a list of incorrect addresses that I am currently seeing listed which I would like removed. 


XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX There should be XXXX address listed on my report Which is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I have called Conns and the credit bureaus and both of them will not comply. I am not liable for this debt. I do not have a signed contract for this debt and I have never done business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email from a credit monitoring service indicating that a new account was added to my XXXX account. Upon further investigation, the account that was being reported was a new collection account. I contacted the XXXX XXXX XXXX ( XXXX XXXX ) and was informed that XXXX was reporting to Credit Management LLC a collection for XXXX XXXX and that I needed to contact XXXX for details. 

I contacted Credit Management and spoke with XXXX XXXX who informed me that this company was handling the collection and that she could take a payment. I explained to XXXX XXXX that services were never provided by XXXX and that the charges they were reporting were inaccurate. I requested that Credit Management LLC and XXXX XXXX send me what documents they used to validate the debt from XXXX  and she informed me that she didn't have such documentation and that I needed to contact the original creditor for that information. 

Upon contacting XXXX the same day by chat, I spoke with agent XXXX, who informed me that the information that I was told was reflected on my credit report was not visible to her and that I needed to wait 2 weeks - 30 days for it to show on my credit file and then dispute it. I requested that she dispute the account and send me all signed documents showing that the " alleged '' debt was mine. XXXX informed me that she could not dispute the account since it wasn't visible to her and that she didn't have the documents that I requested and to contact XXXX directly for dispute. 

On XX/XX/XXXX, I contacted XXXX and spoke with agent XXXX who informed me that she didn't see the account that was being reported and that XXXX does not provide proof that debts are valid, and that I would need to go to the original creditor to request this information. XXXX transferred me to the Fraud Department within XXXX where I spoke with Supervisor XXXX and requested that he dispute the item and send me a copy of the original contract, with my signature establishing services, and was informed that they didn't have that documentation. I informed him that according to the FCRA Section 609, I am allowed " proof '' that this debt was validated and all contracts/documents used to validate this account. XXXX indicated that he would file a dispute ( Dispute ID XXXX ) but could not send proof that the debt was mine and validated as being mine. 

I contacted the original credit XXXX XXXX and spoke with XXXX who transferred me to XXXX. XXXX informed me that she saw the account but couldn't send me any documentation showing proof that the account in the collection was actually my debt. I requested that this documentation be sent as it was my right under the law FCRA Section 609, she informed me to contact an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/1995. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( 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 have been keeping a close eye on my credit and am incredibly disappointed at the inaccuracies I have been seeing. This is now my second time reaching out to get the errors and inaccuracies removed from my credit report. This is causing me tremendous stress and XXXX especially since my concerns are continuously being ignored. I need these errors, at the fault of the bureau, corrected at once, since they were the ones who failed to ensure that the information being reported is in fact accurate