23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is now the THIRD TIME this supposed debt has yet to reappeared on my credit report. This supposed debt was discharged not of my responsibility due to the un ability to prove financial responsibility. On XX/XX/2017 I received a document by mail from XXXX XXXX XXXX XXXX stating that after due diligence and international investigation of all information shared by all partys this supposed debt was false non existent and was ordered to be removed immediately never to be used again against me because there were no findings of financial responsibility. Yet despite a certified legal document in response to this supposed debt being false by XXXX XXXX, the companys XXXX XXXX XXXX and the original creditor PENDRICK CAPITAL PARTNERS LLC disregarded this filing and finding. XXXX XXXX XXXX XXXX then proceeded to contact me yet again against these findings and claimed that PENDRICK CAPITAL PARTNERS LLC withdrew this matter from XXXX XXXX XXXX XXXX despite their findings well after the date of these findings. In this legal document presented to me by XXXX XXXX XXXX XXXX that stated this supposed debt be removed immediately from all credit reports indefinitely. XXXX XXXX XXXX XXXX claim they sent a document proving these liabilitys, but the documents I requested as well as XXXX XXXX XXXX XXXX were not certified legal documents or copys of certified legal documents and or a certified legal contract or certified copy there of. Also XXXX neglected this discharge of debt order due to un ability to prove financial responsibility and allowed this supposed debt once again be put on my report. My previous CFPB Complaints in this matter are # XXXX and # XXXX / ID XXXX there is sufficient documentation on this matter in the CFPB archives.
Product: Credit reporting or other personal consumer reports

I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : 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, credit repair services, or other personal consumer reports

I have sent three initial disputes to this bureau and nothing has been updated. I submitted with proof of payment. I submitted all of this to continously get that they investigated even witih factual proof provided. I would like this removed and deleted from my report, for inaccuracies. 
" In Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled in each of these cases that the CRAs could not merely " parrot '' back the same creditor information which the CRA already had in its files. The courts ruled that the CRAs had to conduct an independent REASONABLE investigation to ensure the validity of the information along with the honesty and integrity of the creditor or CA in question. '' XXXX, XXXX, XXXX, XXXX XXXX XXXX ALL REPORTING INACCURATELY.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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  As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with experian on collection account XXXX XXXX XXXX twice. both time experian failed to verified this account is a judgement in XXXXand this debt is too old to place on my credit report.The collection agency place a misled informations on my credit report that the account was new but it was in fact the judgement is 12 years old and it should not be on my credit file.. Talked to experian they sound like they do not care or want to verify accurate information with this collection agency and have requested to certify the collection agency update informations like how this debt became and what type of debt. As I pointed out with experian that original creditor is personal name XXXX XXXX and it must be a judgement but experian failled verify under frca rule 611.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL INACCURATE /INCOREECT ALL PERSONAL INFORMATION, ADDRESSSES : XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AUTO LOAN NOXXXX DAILING THIS ACCOUNT TO ALL CREDIT BUREAUS, ESPECIALLY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Balance : {$370.00} XXXX  XXXX  XXXX Balance : {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account.

Under 15 US Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports, no consent is identity theft.

Under 15 US Code 1681i ( 7 ) Method of verification this is in violation it was reported without valid evidence.
Product: Mortgage

I got letters and the mortgage statement from different address and XXXX different banks MT & Bank and XXXX. And sometimes they do not send me the mortgage statement how I have been requested several times. I sent to MT & Bank XXXX e-mails asking them how much do I have to pay in XX/XX/XXXX and they answer me {$820.00} in XXXX. in the second e-mail they said me {$550.00} in XX/XX/XXXX because the ESCROW is {$260.00}. If you check the letter from XXXX they say the ESCROW is {$120.00}. 
I sent my payment on XX/XX/XXXX ( BEFORE XX/XX/XXXX ) waiting for the bank answer about pay my bill in XXXX monthly payments how I requested to the bank for my economic situation ( HARDSHIP TIME ) that I am not working, I live with a minor and I do not want to loss my house. 
Today, XX/XX/XXXX I got a letter from XXXX saying I have not paid XXXX. Check the attachment, please. Plus, I have to pay {$820.00} on XX/XX/XXXX when I supposed pay ONLY {$120.00} OF ESCROW. Then the payment for XXXX IS NOT {$820.00}. 
XXXX, after I called to MT & Bank XXXX XXXX to set up my monthly payments arrangements because I was going through for a hardship times, XXXX XXXX up and starts sending me documents. My account and my payments are on the MT & Bank website. I suspect they are charging me more because I have never stopped making my monthly payments. 
*******And these inconsistencies can be seen and compared in the M & T Bank XXXX and XXXX mortgage statements.
Product: Credit card or prepaid card

I was charged a late fee in XXXX, XXXX and XXXX of XXXX. I provided bank information to show the payments were made on time but they have done nothing to resolve it. 
XXXX fee {$29.00} - due XX/XX/XXXX - paid XX/XX/XXXX XXXX fee {$35.00} - due XX/XX/XXXX - paid XX/XX/XXXX XXXX fee {$35.00} = due XX/XX/XXXX - paid XX/XX/XXXX ( just to test my theory & was still charged ) Total fees {$99.00} I can not reach anyone by phone to discuss this issue so everything is done through the website. 

I see many others are having the same problem based on social media posts on their page. This started when they updated their system.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I bank with Chime. On XX/XX/XXXX, a transaction from XXXX for {$39.00} was fraudulently authorized on my checking account. I told Chime about this, they did an investigation and determined it was not fraudulent and I would not get the money back, even though it was fraudulent and I didn't authorize such a transaction. 

Then, on XX/XX/XXXX, another {$39.00} was taken out of my account by creditscorereport.co. Again, I contacted Chime and they did another investigation and again did not give my money back. 

When I asked for proof that I authorized the payments, they sent me a page with information I told them about the transaction. There was nothing showing proof I authorized the payments, because I didn't. I have attached the " proof '' they gave me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Trans Union credit report is showing an account to be open with a balance that was included in my bankruptcy. The account in question is XXXX. I have tried to dispute this information with Trans Union on XX/XX/2019, XX/XX/2019 and XX/XX/2019. Each time they verify that it was included in bankruptcy but the account still shows open with a balance on credit report. Is there any steps that I can take to make sure that my credit report is accurate?
Product: Mortgage

I have been trying to get a Deed in Leiu from them since XXXX 2015. They keep sending me the same paperwork to fill out and nothing gets done. Every few weeks they send me a letter telling me I have a new account rep and the process starts over. I have had XXXX different people tell me they were sending the Deed in Leiu form for me to sign the property back over to them but they paperwork as never arrived and the new accout rep does n't see notes from all the people I have talked to before. The loan was forgiven in my bankruptcy but they are just giving me the run around and constantly harassing me.
Product: Debt collection

1. XXXX XXXX should be remove - two of them 2. too many multiple addresses on the report - keep only XXXX address 3. three capital one = already been paid in full status - please remove them on this report 4. XXXX XXXX - THIS HAS BEEN PAID OFF. why still showing open?? 
overdraft? 
- currently, i have my checking and saving account with XXXX XXXX ... .. 
please remove them my cell # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus. They replied, saying, We do not report any bankruptcies to anybody. If thats true, how did the credit bureaus claim my bankruptcy is 100 % accurate? They didnt follow the law and didnt do a proper investigation, as required by **15 U.S.C. 1681**.

How They Broke the Law : 1. **No Proper Investigation** Under **15 U.S.C. 1681 Section 603 ( 3 ) ( E ) **, an investigation is supposed to include checking with people who know me or have information about me. They cant just rely on other creditors or reporting agencies. The credit bureaus didnt do this.

2. **Right to Privacy** According to **15 U.S.C. 1681 Section 602 ( a ) **, I have the right to privacy. The credit bureaus ignored this right.

3. **No Permission Given** Under **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) **, theyre not allowed to share my information without my written permission. I never gave them permission.

4. **False Information Reported** **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** says that no one is allowed to report wrong information if they know its not accurate or have a reason to doubt it. My bankruptcy wasnt verified properly, so they broke this law too. 

The credit bureaus didnt follow the rules and violated my rights. They didnt check the facts, and their mistakes caused harm to me.
Product: Vehicle loan or lease

we went to court today and ally bank sent me paper work why they shouldnt repo the car its the samething over again. the lady at the court house wouldnt let her i fired my attourney and hired another one who will work to pay off the credit cards and the car the ally bank spokes person is telling me she wants the car. i want my XXXX bank account Subpoenaed there was XXXX in that account i also had XXXX XXXX who is being sued. so please file a subpoenaed, can you please help me
Product: Checking or savings account

I have been trying to apply for a small loan with these online loan companies for about a month but kept getting turned down. About one week ago, I received a call from someone working at XXXX XXXX telling me that I was eligible for a loan. After looking online for information on the company, I provided information over the telephone believing that it was a legitimate application process. After the information was taken, I was told to input information into the bank verification portal that was accessed via a link that was emailed to me, to which I provided my name, social security number, phone number, the name of my financial institution, the username and password to the bank 's mobile application. When all of this was completed, the person I spoke with on the phone informed me that a small amount would be deposited into the account to verify the account and that I had to go send it back after it was credited. I was also told that by doing this, this would increase my credit score and the loan proceeds would be deposited into the account. After receiving the amounts deposited into my checking account, I duly went and sent the funds back via making payments at XXXX off of my debit card. This was done three times. In the meantime, I kept receiving alerts from my bank that I had filed a dispute, which I could not discern what they were talking about. then on XX/XX/2024, I was contacted by this " loan employee '' that another payment had to be deposited into my account to increase my credit score so that I could receive the loan proceeds. I was instructed to take those funds out and return it to this finance company in the same process as the other payments. However, the bank flagged the check for verification purposes and was told that it would be held for nearly two weeks. I informed this person of same and in response, two more online checks were deposited, and the bank returned these checks as fraudulent and altered. On XXXX XXXX, I was informed by one of my creditors that a payment made three months ago was reversed. I immediately checked my checking account, and it was then that I discovered that several payments made over three months ago had been reversed and the credits were the amounts taken out of my checking account to pay this scammer, and that my account balance was nearly {$1000.00} in the negative. I reported everything to the bank and the account has been frozen. However, I was told that I was on the hook for the negative bank balance. A report has been filed with my local law enforcement agency and I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX I now have to contact my cable company, another bank and my car insurer and inform them of the fraud and try to mitigate the damage that this is causing. The bank claims that they are immune to any damages because I approved the reversals -- I did not put in any request to dispute and/or reverse the charges, the scammer pulled this stunt and I'm stuck out and I hope I do not have to seek legal recourse. Thank you.
Product: Credit card or prepaid card

This is reference to a CITIBANK Add-On card ending .... XXXX in the name of my daughter that was stolen on the evening of XXXX XXXX US EST. Soon after it was stolen, 5 transactions were carried out [ using this card ] at a nearby store in XXXX, even without using the PIN. The amount was close to USD 5000. The card was blocked immediately following the transactions. 

My daughter filed a complaint with the XXXX Police, informing them of the theft of the card. A copy of the complaint number is attached. Also attached in the XXXX and a detailed copy of the police report. 

Thereafter, I had spoken to executives at Citibank confirming the theft and the nature of transactions performed. I was informed that the transactions were now being considered 'disputed ' and a decision to this effect will be taken. 

Have being speaking to the executives on multiple occasions with no response. The amount is still shown to be outstanding in my account.
Product: Checking or savings account

I submitted a complaint on XX/XX/XXXX complaint number XXXX I have more to that complaint yes when I called the bank and ask them what happened to my money they said they had no record of it on there computer I'm singing I'm looking at this on my statement on my internet my phone they say no I have it on my phone if you want to check you have my email address that XXXX XXXX took {$88.00} out of my account 7 different times and {$42.00} and some cents from a place called XXXX XXXX the {$88.00} came from a XXXX XXXX store in XXXX Maryland my crew told me that my hundred-million-dollar crew he is taking more out different times and also yesterday XX/XX/XXXX he had my debit card taking off they said lost card when I try to use it please help if you can
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft XXXX  XXXX XXXX  Account Number : XXXX you are violating my rights on reporting an inaccurate report please update this to paid as agreed 2. FDCPA 1692e misleading false reporting. how can you validate/verify information from the same source but have the last reported date and date last active different at two bureaus XXXX XXXX Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately 3. XXXX  XXXX misleading false reporting. how can you validate/verify information from the same source but have the last reported date and date last active different at two bureaus XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Unverified/no data information XXXX XXXX XXXX  DELAWARE Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately