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

I am writing to file a complaint regarding inaccurate items on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to delete. The inaccurate items are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. I would highly appreciate if you assist me to removed these fraudulent items : XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; CXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$27000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$260.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$27000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXXXXXX Balance : {$27000.00} ; XXXX XXXXXXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

I have been disputing an account with XXXX regardingXX/XX/XXXXa debt collector for IndigoXX/XX/XXXX since XX/XX/XXXX2024. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as a fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXX XXXX XXXX debt collector to Indigo XXXX XX/XX/XXXX to which I never received a response. I resubmitted the dispute because the year this account was opened, I was incarcerated with the Texas XX/XX/XXXX XX/XX/XXXX at XX/XX/XXXXfrom XX/XX/XXXX. My release date was XX/XX/XXXX, 20024. I provided the release documents provided to me by the facility 's warden when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that XXXX and XXXX XXXX XXXX a debt collector for Indigo XXXX XX/XX/XXXX are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was incarcerated. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. 

I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. 

These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. 
Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Product: Debt collection

Attorney XXXX Sprechman obtained a debt form XXXX who i never had a loan with stating the are subpoenaing my landlord and XXXX to obtain a debt that I have no knowledge about nor did they send any proof showing that i owe this debt to anyone At no time did I ever have a loan with said company when i called the office of this lawyer the you g lady on the phone started laughing when i explained what was going on the. left me on hold for 20 minutes then a man got on the phone and hung up on me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  MBA XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$77.00} XXXX XXXX XXXX {$70.00} XXXX {$37.00} XXXX XXXX 15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C section 604 Section A. It also states that a consumer agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer TV reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies allowed XXXX XXXX XXXX add information on my credit file without ensuring the creditor was in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I've lived in a different state for more than two ( 2 ) years. I received no communication from the creditor. Yet, the creditor was allowed access to my credit file which has my current address. The bureaus should have made ensured the creditor had sent letter a to my address on my report prior 30 days prior to allowing the item to be added. I should have received the following from the creditor : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor - to my knowledge I had not received such a letter
Product: Debt collection

I never received a required letter to dispute this as a valid debt. I sent a certified letter to Portfolio Recovery Associates office in XXXX XXXX and a certified letter to their office in XXXX XXXX XXXX. stating this and that they were in violation. I never received a response. The return receipt shows it was delivered XX/XX/year>. The one to XXXX XXXX office was delivered XX/XX/year>. I also requested in the sent letter that all communications need to go through mail and address provided. The company continued to call me at all hours of the day after receiving my request. These tactics that they do is unacceptable and against guidelines put in place to protect the consumer. I will attach a copy of the letter sent to both locations below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a Hot Tub from XXXX XXXX through Wells Fargo XXXX XXXX. 
Actual Hot Tub cost was {$12000.00} Credit Limit reported was {$14000.00} Credit Limit should reflect {$12000.00} as a total cost of the loan amount financed The Credit Limit increase my debt to income ratio by {$1900.00} The original loan amount was Inflated by {$1900.00}.
Product: Debt collection

I have new and updated information regarding complaint # XXXX. 
You sent me over information regarding XXXX XXXX XXXX. Nowhere on the information you sent have your company 's information where i owe you anything. AGAIN, Please, see attachment and fill it out to the best of your ability. If not, I will have to file suit in federal court due to your violation of the FDCPA. 
If you are trying to collect for said company, please send over contract that was provided and all documentation. 
Thank you.
Product: Debt collection

I submitted insurance information to this company, I received XXXX and XXXX insurance I provided to this company.. This company agreed to remove this item from my report and still hasn't done so after payment was submitted. Insurance information was provided during time of visit, but this company administration neglected to enter the information accurately.. I submitted information again directly and still haven't received the fair credit report results... This company is refusing to investigate and solve this issue professionally and accurately.. The balance has been paid and all documents have been sent to complete the final bill.. The report is false and has caused unfair damage to my credit file..
Product: Checking or savings account

My bank account got hacked along with my XXXX XXXX XXXX XXXX XXXX Navy Federal has closed down my account along with my funds. My phone got stolen and my wallet. They access my account along with someone elses account transferred funds from another members account took money from my account from another member also made numerous ways of transferring money to themselves and disputed charges getting money back on purchases that I have made navy federal has not been any assistant to me
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report TO TRANSUNION 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 NUMBER : 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  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 TRANSUNION 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigated and corrected from erroneous reporting in my file are listed on my credit 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
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. In XX/XX/XXXX I applied for a XXXX XXXX checking Account and was denied due to checking account fraud provided to early warning from XXXX  XXXX XXXX. I contacted XXXX  and I was told that on XX/XX/XXXX a fraudulent transaction was received from XXXX XXXX XXXX bank and credited to bank account # XXXX. XXXX records showed that the transaction was reported as unauthorized and deducted from the account. I have never used this account nor do I have access to it and I do not know anything about this transaction nor is it related to anything I have done or have been a part of. My account with XXXX is different from this one and I have had that account since XXXX. I filed a police report for this incident.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed public record Chapter XXXX bankruptcy dismissed reference number XXXX with Experian by certified mail on XX/XX/2020. Experian responded back that the item had been verified as belonging to me in XXXX of 2020 and they listed XXXX XXXX as the furnisher of the Information. I then disputed the information with XXXX XXXX and on a later date ( XX/XX/2020 ). XXXX XXXX further found the Public record info was inaccurate and it was removed from my records there. They stated they would also notify anyone they furnished that information too that it was incorrect and should not have been reported. EVER. Experian was mentioned by name in the letter as a company they had given incorrect information too and that it would be resolved within 30 days with follow up letters. That I never received from either company. I would just simply request the information be removed from Experians records. They are incorrect and are not mine.
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 XXXX 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. 16811, 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 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 ( CEPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX  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. 
These are the accounts that I have marked inaccurate : XXXX XXXX for a balance of {$290.00} opened XX/XX/XXXX XXXX XXXX XXXX for a balance of {$370.00} opened XX/XX/XXXX XXXX XXXX for a balance of {$1100.00} opened XX/XX/XXXX
Product: Debt collection

I keep getting harassing phone calls from XXXX municipal collections of america saying I owe tickets for a car I no longer have. I do not have a debt and have never received anything in the mail. When I ask about a letter they are rude and hang up. I have blocked them but still get the calls. I feel that because they want information over the phone that this is a scam.
Product: Credit card

Hi, I am writing about a fraudulent charge to my XXXX XXXX XXXX XXXX through Barclays XXXX. On XX/XX/year> I had a fraudulent charge from a XXXX in XXXX  XXXX. I have record proving that I was at my hometown of XXXX, XXXX  that day and gym records showing I was in town. I reported this a fraud and closed my account. They said they would remove the charge and let me know once the investigation concluded. Since then, they have charged me late fee and interest. I have called a total of 8 times and had 1 online chat to try and get this resolved. They have credited back late fees for XXXX and XXXX, but continue to add them each month. They also reported this late payment to the credit bureaus and it lowered my exceptional score. I called and they said they reversed the reporting to the bureaus, but when I disputed with them, they said the charges were accurate according to Barclays. Customer service with Barclays also told me I would not be contacted anymore about the charge, but it is harassment at this point. They text, email, call and have now effected my credit score for a fraudulent charge of {$50.00}. Ive literally never experienced anything like this and had a near perfect credit rating. This is criminal at this point and I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, XXXX  Account XXXX for 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 604 A Section 2 also states that a consumer reporting agency can only furnish an account with my written instructions. 

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Product: Debt collection

I had a loan account with XXXX XXXX which was sold off by them to Grassy Sprain Group Inc, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX NH XXXX XXXX XXXX. This company authorized XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX to collect this debt on XX/XX/XXXX On XX/XX/XXXX I agreed to a settlement with XXXX and it off in full over the next 3 months. 

However it seems in XX/XX/XXXX, Grassy Sprain Group has again appointed XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX XXXX Harbors MN XXXX XXXX XXXX to collect this debt AGAIN. 

XXXX  is now calling me and sending me letter attempting to collect a debt that has already been settled in full 2 years ago. 

I believe Grassy Sprain Group and XXXX are groups with malintent that just try to harass people for debt that is already paid off and should be barred from doing business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report on XXXX XXXX XXXX and I notice that there was inaccurate information on my credit report, credit account reporting wrong information and duplex account with wrongful information .I then started a dispute with the credit bureau on XXXX and I just received a email stated that Experian investigation is finish. I have not received verifiable result .All account I investigated still remain the same. 



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Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX