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

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : **Formal Dispute of Inaccurate Credit Reporting** Account : XXXX XXXX XXXX Account Number XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information being reported on my credit report related to the above-referenced account. The information provided by XXXX  XXXX XXXX on my credit report contains several inaccuracies, which I have attached I request an immediate investigation under the Fair Credit Reporting Act ( FCRA ) and the removal of the incorrect information from my credit report. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to report only accurate and complete information. The discrepancies listed in the attached documents violate the FCRA by providing inconsistent, inaccurate, and misleading information. Furthermore, under 15 U.S.C. 1681i, I have the right to dispute the completeness or accuracy of any item of information contained in my credit file, and the credit reporting agency must conduct a reasonable investigation to determine whether the disputed information is accurate.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Diversified Consultants starting calling on XXXX/XXXX/15 at XXXX and again at XXXX on the same day. These calls were unanswered. Then on XXXX/XXXX/15, they called at XXXX, in which I did speak with a representative, verified my identity and was advised of the debt from the original creditor. The call was disconnected because I was having a difficult time understanding the accent of the representative. They then continued to call me all week. More calls placed on XXXX/XXXX/15 at XXXX, XXXX/XXXX/15 at XXXX and again on XXXX/XXXX/15 at XXXX, in which I did not answer. My wife called them on XXXX/XXXX/15 at XXXX and advised them not to contact me again. It is my understanding that once a debt collector makes contact with you, they can not try to make contact again for 7 days. I also feel that the excessive number of call on my cell phone that I also use for business purposes is excessive and disruptive to my daily work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX, XXXX, I learned that XXXX XXXX XXXX erroneously reported to XXXX and Transunion credit reporting agencies that my car loan was at least 30 days delinquent in XXXX XXXX. I called XXXX XXXX XXXX to inquire about the claims. The customer service representative did not show that my account had ever been 30 days delinquent since the inception of the loan. The representative further suggested that I dispute the reported information in my affected credit report files. Shortly thereafter, I disputed the claims with both credit agencies. Around 30 days later, I learned that the reports were not changed, but simply updated. My car loan payments are due on the XXXX of every month. I plan to upload my payment history from XXXX XXXX XXXX that proves that my XXXX XXXX payment was not 30 days late. In fact, the XXXX XXXX payment was made on XXXX XXXX, XXXX, according to the financing company website.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2018 I reviewed my credit report and there were many fraudulent accounts that were on there. I'm in desperate need of these items being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

this collection and all the inquires are fraudulent i have contacted all parties in question and they all tell me its experian that has to correct it i have sent experian numerous disputes and they just use computer generated responses i need this corrected and to show 100 % accurate information experian did remove this collection once then they put it back on after 60 days after deleting it XXXX XXXX Original creditor : XXXX XXXX XXXX Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dealers, XXXX XXXX date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX AXXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX
Product: Credit card

I received a phone call from Citi Card in XXXX asking me if I did certain transactions as they were concerned about Fraud. I verified the transaction that I did not do and they reversed them and sent me a new Credit Card. In error they reversed a transaction from XXXX XXXX that was authorized. I called the Citi Card on XX/XX/XXXX and spoke with XXXX, Explained that the amount of the Oil bill shows paid for {$910.00} but the oil company did not receive the funds. She gave me a Case # XXXX and I thought that was going to be the end of it. On my XXXX statement I noticed I was credited for {$910.00} which would have offset the charge in XXXX but then I was charged twice under purchases. I called on XX/XX/XXXX and spoke with XXXX and asked for a supervisor which I supposedly got XXXX which gave me a phone # to XXXX XXXX XXXX and said i have to speak with them. I called and was told someone would call me withing 5-7 business days. I did not hear from anyone and when I received my bill for XXXX I noticed I was credited for {$910.00} and them charged for {$910.00}, so I am still being charged for one extra {$910.00}. I called again on XXXX XXXX and was transfered to the billing dispute dept. by XXXX. I spoke with XXXX and he assured me I would get Provisional credit again for the amount and the interest which I did for {$910.00} and XXXX. I was also charged the {$910.00} again under purchases. I called again on XXXX XXXX and spoke with XXXX, when I got my XXXX bill and saw I was charged again. She suggested I call and order an Audit on my account. I called and they said I would need to be available for any questions during the audit. I was going out of the country for 3 weeks and I said I would call when I got back. I called On XX/XX/XXXX and spoke with XXXX that said the audit would take a week to 10 days. Did not hear anything, called back XXXX XXXX spoke with XXXX she transferred me to Supervisor XXXX and told me I needed to go online and I could see the progress. I told him I don't want to go online I want an answer. He said he could not do anything for me!!!!! I called again on XX/XX/XXXX and spoke with XXXX who transfered me to a supervisor XXXX He agreed I was charged twice and that I would see the credit on my next statement. Well ofcourse I did not. I called again on XX/XX/XXXX spoke with XXXX and she was going to expedite investigation on case appeal. I would receive an update in the mail from XXXX?? I have finally had it and called XXXX XXXX but they just sent me an email saying to contact you. I am beyond frustrated and don't know what else to do. I hope you can rectify this for me.
Product: Debt collection

MBA LAW violated my rights 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; I have attached my ID, Social and proof of residency during the date of service. This account is being inaccurately reported on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

About two months ago a XXXXXXXX card popped up on my credit report I have never had a credit card with XXXX Ive never used a credit card in XXXX I disputed this with the credit bureaus and it came back verified every time how I dont know
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  continues to lag behind in reporting updated and/or accurate information regarding my auto loan. Currently, the balance is listed as {$17000.00}, nearly {$7000.00} more than the actual balance. This lag is artificially lowering my credit score.
Product: Credit card or prepaid card

This company Apire Credit Card closed my account and told me they closed it due to payment return history but I am disputting there claim because they violated my rights an also took my money and ruined my credit. This company put my account on hold because of I told them dispute unauthorized charges from XXXX XXXX XXXX and they charge me over {$1000.00} and every since that problem my card was closed but before then I had and availbe credit of {$290.00} but not they say i owe then {$290.00} and my account closed. The proof is in the statments i uploaded
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding XXXX XXXX XXXX XXXX that is appearing on my credit report. Despite my best efforts, I have been unable to verify why this account is reflecting on my report. This situation has not only caused me undue XXXX  but has also resulted in denials and questioning of my credibility by lenders. It is imperative that this issue be rectified immediately. I demand a thorough investigation into the legitimacy of these accounts and request solid proof that they indeed belong to me or were initiated by me. Without such evidence, I insist that these accounts be removed from my credit report without delay.
Product: Prepaid card

Amex giftcards are ridiculous. I have yet to find a location where the card is being accepted and can not be used online, even on a low of the sites they have on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$5100.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

XXXX XXXX accepts only google pay for a membership that allows longer than 12 second security recordings.

XXXX XXXX can not get their payment which leaves my family at risk of our dangerous stalker we do have as we can not record more than 12 seconds nor use my card to pay for our membership this month google pay wants me to verify a card i have not had in along time. 
that card also does not show in my active list of payment options as a card to remove. my current debit card does show. it is the only card i now use.. 

google pay said to send a photo of the card i do use in place of the one they requested to verify. 
as well as to send a photo of my drivers license to verify my identity. 

i did that twice. both times my information has been declined this month. 

google pay called me 3 times when i found how to search and find the call me button. it is very very difficult to find that. 

1st call the woman said send info i did have.

it was declined twice.

2nd call the robot system hung up on me.

i was so upset i waited a day to try again.

3rd call XX/XX/2021 someone with an extremely thick accent answered and said not that he could fix anything but to " watch for an email from google pay '' 4. i have received several emails from google pay, all with instructions on how to verify my identity, how? by sending proof via their camera system, of my i.d . and credit card i no longer have. not helpful as if they are rubbing it in and never even listened at all. 

i am extremely frustrated and worried they are allowing my info to be used fraudulently possibly as well as NOT fixing the issue which is putting my family at risk and i am unable to pay for longer security recordings via our wyze cameras. 

any assistance would be truly appreciated. 

i do not feel google pay is going to correct this issue. it has been ongoing for over a month now. 

also XXXX XXXX does not have any phone nunber to call either nor any other payments accepted. 


.both companies have very poor customer service and it is near impossible to find how to reach them. for wanting my money they need to be easily accessible to reach.
Product: Debt collection

Was contacted and left message informing me t

hat I was to pay and old pay da y loan with Evergreen Acquisitions that represented some lawyers. Debt was said to have been bought off from original lender and was now their righ t to claim all due debt.
Product: Money transfer, virtual currency, or money service

PayPal will not let me close my account and wants me to jump through loopholes just to close it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingthe account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. accounts INCLUDE XXXX lights gas water, KIKoff lending, and SELF FINICAL
Product: Payday loan

I placed a cesase order with PayDay Loans and they tried to continue to debit my account with XXXX XXXX XXXX, which require me to close my account. The Lender has submiited the debt to a third party collection agency XXXX XXXX XXXX XXXX XXXX XXXX NY who has harrassed my terminally ill husband home, threaten me with legal action advising me I needed to appear in my county court house in XXXX hours, contacted my place of business XXXX times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get XXXX XXXX deleted from my credit report this negative item was paid in settlement and should be removed from my report it has been on record for over 6 years now it shows nothing but bad credit they are keeping my score down as well just shows verified
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account with, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions and I would like a copy of original with my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed as past due with XXXX XXXX XXXX XXXX XXXXXXXX is inaccurate. The account was a HELOC and now has been adjusted to a fixed rate 2nd mortgage. The account is current and being paid as agreed. Correct this mistake ASAP XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

when I questioned who was the borrower they sent information saying they needed more information and never did answer valid questions even when the CORPORATIONS were put on the UCC for discharge they never answered who the Borrower is they took money from my Social Security and never gave it back. Under Threat duress and coercion I was forced to make payment arrangements, now all of the CORPORATIONS are registered securities on my UCC California Liens for 30 years under the number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate 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
Product: Credit reporting or other personal consumer reports

this complaint has been going on far too long dealing with XXXX, XXXX, and experian reporting my information without my consent, per 15 usc 6802, the privacy act of 1974 and it has damage my credit this year keeps me in XXXX because of bad credit. they are reporting non-mailable addresses see attachments
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge the results of my recent credit report dispute and to request a more thorough investigation into the method of verification used to resolve the dispute. The information provided on my credit report appears to be inaccurate, and I believe the verification process did not adequately address the discrepancies. 
Details of the Dispute Disputed Item ( s ) : XXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/year>. 
XXXX XXXX  Account number : XXXX Date Opened : XX/XX/year>. 
XXXX XXXX  Account number : XXXX Date Opened : XX/XX/year>. 
XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/year>. 
XXXX XXXX Account number : XXXX Date Opened : XX/XX/year>. 
The results of my dispute indicated that the information I disputed was verified as accurate ; however, I have reason to believe that the verification process was not sufficiently comprehensive. Based on my review of the dispute outcome, I believe that the following was not properly considered or verified : Failure to review my identity theft report from the Federal Trade Commission regarding the disputed item. 
I am requesting that you delete the incorrect information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if an item can not be adequately verified, it must be removed from my credit file. The information in question has not been properly verified, and therefore, I believe it must be deleted. 
Please provide me with the following : A detailed explanation of the method of verification that was used to resolve my dispute. 
Copies of any and all documents used to verify the disputed information. 
Confirmation that the inaccurate information will be removed from my credit report, as required under the FCRA, or provide evidence that the information was fully verified. 
I expect that you will investigate this matter thoroughly and take the appropriate action to correct my credit report. Please send me written confirmation of your findings and the actions taken.