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

I have not know of this XXXX account this account does not appear on any of my other credit reports XXXX this account violates FCRA laws 15 U.S.C Sec 1681i ( a ) to report accurate and complete information Re : Letter to remove inaccurate credit information This account is not mines I have asked for the account to be verified and validated Both XXXX and Equifax have been reporting incomplete and inaccurate information I have contacted XXXX several Times about my report and I feel they have fail to abide by the FCRA law 15 U.S.C Sec 1681i ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Product: Student loan

I have now called FedLoan Servicing 5 times. I have been on hold from XXXX minutes at a time while trying to contact them. I have been locked out of my account so I can't update my phone number and I can't email them because it requires logging into your account. I am trying to get documents to refinance my loan and it has been extremely difficult to get ahold of them to get the proper documentation. I still haven't had my call answered and can't get ahold of them any other way.
Product: Debt collection

Noticed recently that this account was on my credit report and never received a notice for dispute have no clue what the collection is for.
Product: Debt collection

I received a phone call from a XXXX XXXX. She was very rude on her message didn't state what company she was calling from. All she did was leave me a voicemail stating I was getting served through the county i live in. She also stated she was going to call my work and supervisor in reference to this claim. I am beyond upset due to the harassment this company did towards me. All she did was left me a call back number and a case number. I called the number tried to research the company and there was absolutely no listing for the number. 
When I called the number all they did was state there name but nothing about the company name. I asked what the company was and they stated it was XXXX that they serve paperwork for lawyers. When i spoke to the other representative she was very rude towards me stating they were going to serve me with legal paperwork and they where going to go to my place wherever i was at. That this was a debt from Check n Go from XXXX. This company is very abusive and they threaten people without any feelings or what they will do to you. The only thing I have is a number XXXX.
Product: Credit card or prepaid card

Citi Sears credit card ending XXXX sent me promotions to spend {$1000.00} for XXXX thank-you points plus the base points before the deadline. I did purchasing and met the requirement and saw the reward points in my account. However, when I called to redeem the points, I was told the card was blocked and no redemption was allowed ; they wanted me to wait for a letter to verify my information. That was in XX/XX/XXXX. A week later I called again because I did not receive the letter. They said I needed to wait for a letter. I asked them to combine my reward to another Citi card reward account so that I could redeem my points, they said no. I called them 4-5 times totally. Finally I saw the letter on XX/XX/XXXX in my mail box dated XX/XX/XXXX. I called them for verification. They said a new card would be sent to me with a different card number. Yesterday, I called for my points redemption. I was told the points were not seen and I heard the reward account was not there I wanted to talk to a supervisor but then got disconnected. I called again for two more times. The reward account or the points were not there accordingly. They just said it was because the credit card was replaced. This credit card got replaced months ago. At that time the reward points were there being seen. I am not sure if they did this to me for vengeance taking simply because I complained about Citi earlier. Also they used auto pay to get the XX/XX/XXXX in XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I can not afford to pay back the loan right now my financial situation is not in good standing and I need the company to stop over drafting my account
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting Act, The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 ; 15 U.S.C 602 ( a ) ; 15 U.S.C 1681 602 A section 2 ; 15 U.S.C 1681 c ( a ) ( 5 ) ; 1581 U.S.C 1681 s-2 ( a ) ( 1 ). 

The accounts are listed with XXXX, XXXX and Experian incorrectly and they are as follows : 1. XXXX XXXX XXXX Reported XXXX XX/XX/XXXX ; listed as date opened on XX/XX/XXXX and listed differently on XXXX and Experian as well but with different opening dates. These are not reported the same and are not accurate ; 2. DEPT of EDUCATION  : There are 15 different accounts listed under Dept of Education and XXXX XXXX XXXX ; The open dates on XXXX are all listed the same as XX/XX/XXXX, XXXX and Experian have them all listed with separate individual dates that are completely different from the open dates on XXXX. The XXXX report has the dates on all as closed XX/XX/XXXX and then listed as reopend on XX/XX/XXXX. These dates are listed differently on the other XXXX reports and each of the opening dates are different days from the other. None of these reports match opening dates and closing dates on any of these accounts. 

The next account has XXXX listed as the original creditor and XXXX XXXX XXXX as collections agency. The opening and closing dates for this account differ on all XXXX reports as well. They do not match therefore the info inaccurate. 

Commonwealth of Virginia ; This account is listed as opening XXXX of XXXX and states that the account is closed. I am paying on this account from a Trust fund. It automatically comes from the account every month and its listed as closed on my reports but I am still paying. This accounts dates differ in all 3 credit reporting bureaus and therefore is inaccurate. 
My name is also listed differently on all 3 reports. This is inaccurate as well. My last name is not XXXX and hasn't been in over 25 years. This is another inaccurate report and is hindering my getting anything done having to do with my protected info because my name is listed wrong and doesn't match the info I input, which is correct but not according to this report because its wrong.
Product: Credit reporting or other personal consumer reports

Sham investigation are not accepted and won, t be tolerated under 15 U.S.C & 1681 ( a ) & ( 5 ) I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquires list below. informal a complaint with CFPB, FTC and legal action for damages under 15 U.S.C. & 1681n and 1681o
Product: Debt collection

I spoke with CCS onXX/XX/2018 and advised them that the debt was invalid. They claimed that the debt was from {$200.00}. I advised them that I never done any business with there company and to remove the debt from my report. The agents weren't helpful at all about removing the false debt from my report. I did advise them that I would file file a complaint I am a victim of identity theft and I am requesting help with having this false debt removed from my report.

The company name is CCS and is on my XXXX  credit report for {$200.00}. The code on my report is Code # XXXX  and the phone number listed for them is XXXX. Address : Ccs XXXX XXXX XXXX XXXX   MA XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting 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 accounts completely from my Credit Reports : US DEPT ED XXXX* US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX : contacted me by Phone on multiple dates, including : XXXX. XX/XX/year> at XXXX XXXX, A voicemail message was left, but you did not identify who you were and that you were a debt collector attempting to collect debt. I was given only a phone number, This a willful violation of According to the Fair Debt Collection Practices Act ( FDCPA ), debt XXXX are legally obligated to clearly identify themselves in any communication with a debtor, meaning they must disclose their name and the collection agency they represent when contacting a consumer, preventing them from misleadingly trying to get the consumer to return calls without understanding the purpose of the contact XXXX. XX/XX/year> at XXXX XXXX. A message was left again with no information other than the name of the business and a phone number. This a willful violation of According to the Fair Debt Collection Practices Act ( FDCPA ), debt XXXX are legally obligated to clearly identify themselves in any communication with a debtor, meaning they must disclose their name and the collection agency they represent when contacting a consumer, preventing them from misleadingly trying to get the consumer to return calls without understanding the purpose of the contact XXXX. XX/XX/year> at XXXX XXXX  A message was left again with no information other than the name of the business and a phone number. This a willful violation : According to the Fair Debt Collection Practices Act ( FDCPA ), debt XXXX are legally obligated to clearly identify themselves in any communication with a debtor, meaning they must disclose their name and the collection agency they represent when contacting a consumer, preventing them from misleadingly trying to get the consumer to return calls without understanding the purpose of the contact XXXX. On XX/XX/year> at XXXX XXXX  ( XXXX  ) I returned the call to ascertain the nature of your business. I was told that I had to give the last XXXX numbers of my SSN and my birthdate, or you could not give me any information. I did so. However, you did not have my correct address and identified the debt as a debt from XXXX XXXX XXXX. However, you did not have my correct address, which I provided. You did not identify yourself to me until I provided personal information According to the Fair Debt Collection Practices Act ( FDCPA ), debt XXXX are legally obligated to clearly identify themselves in any communication with a debtor, meaning they must disclose their name and the collection agency they represent when contacting a consumer, preventing them from misleadingly trying to get the consumer to return calls without understanding the purpose of the contact I saved all of the voicemails, thereby confirming you have violated the Fair Debt Collection Practices Act ( FDCPA ) on multiple occasions.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX acct # XXXXXXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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 : 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: Debt collection

Has on collection open on XX/XX/2022 for the amount of XXXX which I never open an account the pasts months. 
I have another collection open in XX/XX/2022 for the amount of XXXX which I say again havent open any account in the past months. 
I called XXXX  and direct me to the complaint to get rid of those accounts off my credic
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$15000.00}
Product: Debt collection

This is the THIRD time i have had issues with this company. Back in XX/XX/2020 i set up a payment plan to pay off my debt. i told the rep to please take out {$85.00} every 2 weeks according to my pay dates. I was told the first time it would come out of my checking account and it never did. I called and confirmed the correct bank information and they confirmed that was what they had in their system as well. i am not sure why the money was never withdrawn. I called and set up the payment again and confirmed they can withdraw {$85.00} from my account every 2 weeks automatically. The bank information was viered and it was taken out 1 time. After that happened in the spring i submitted a complaint back in XXXX because the money was never taken out of my account. Even though i gave permisson to do so. I spoke to MS. XXXX who again confirmed with me that starting XX/XX/XXXX i would have money taken out of my account every 2 weeks starting XX/XX/2020. I later got a call from someone named XXXX i believe who asked if i wanted a payment to be set up. I told him the payment should have already been set up to take out {$85.00} every 2 weeks. IT WASNT SET UP! I confired with him the infomration AGAIN to have payment take out starting XXXX XXXX   and he ASSURED me that i would not have to repeatedly call back and it will be automatically taken out. That i would not have to worry and its been set up for payment every other week. Well now the ONLY PAYMENT THAT CAME OUT WAS ON XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that EquifaxXXXX didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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

Fraudulent accounts still remain on my credit report after I disputed it and verified it was not me
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX XXXXwhether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

XXXX XXXX XXXX Account # XXXX
Product: Debt collection

I contacted the company and asked them how they verified the debt and why did i not receive notice of this debt earlier. They also stated that the debt is {$360.00} which is not what is reported on my 3 bureau 's credit report. If that information is incorrect this information must be removed at once from my report. I was told to mail in a complaint.