23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Navient calls me 10+ times a day after only being 1 day late for pmt, if I do n't answer then they harass my Mother because she is a cosigner, they call from different numbers every time and even outside of their business hours. If I answer and tell them that I plan to make a payment they still call and harass me every day
Product: Credit card or prepaid card

I had this card for at least XXXX XXXX  I ALWAYS paid on time never had any issues. I made a payment to pay off my balance then I made another purchase, while the first payment was being process I went ahead and made a payment for my new purchase. 
All of the sudden I received a notification from my credit report XXXX that my account has been closed. I don't see what is the reasoning behind this if I've always used this card and made payments on time.
Product: Mortgage

We have been waiting for the short sale of this property to be approved and Fay servicing kept on telling us that sale date is on hold. on XX/XX/19 they told us that the bank foreclosed on the property and on XX/XX/19. They lied to all of us. Please investigate this matter ASAP
Product: Credit reporting or other personal consumer reports

Can not un freeze account, locked me out. tells me my social and zipcode is wrong. IT IS NOT. no answer phone, email, for 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Plese remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

Identity Theft 1. XXXX XXXX  Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX Account Number : XXXX**** This is not mine.

3. Identity Theft BEST BUY/CBNA Account Number : XXXX**** This is not mine.

4. Identity Theft XXXX Account Number : XXXX**** This is not mine.

5. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

7. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX This is not mine.

8. Identity Theft XXXX XXXX  Date of inquiry :XX/XX/2019 This is not mine.

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
Product: Debt collection

This debt collector has not provided me with proper validation of this debt. Please remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that just reported which was never authorized nor do I owe any apartment debt. I 'm requesting this be removed XX/XX/2017 Inquiry Creditor Type : Other Collection Agencies AlertDate:XX/XX/2017 Creditor Name : HUNTER WARFIELD INC Creditor Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Creditor Phone : ( XXXX ) XXXX
Product: Debt collection

Collection Agency : Residential DATA LLC ( XXXX XXXX XXXX ) FIRST ADVANTAGE/NCAC. 

I XXXX XXXX want the Notation on all credit files and reports of false charges removed, for the following reason, I emailed the landlord multiple notices to fix property and to remove pests, rodents and roaches and the lease they are fraudulently over charging me {$6000.00} for the lease. 

Paragraph Provision 36 of Lease ( XXXX XXXX  ( XXXX XXXX ) XXXX I can send an email notification and they can communicate with me via email. Offices were closed due to covid issues with the apartment state standards. 

Lease notifications multiple email notifications of a 30 day notice were sent to the landlord, physical office and also via email, and maintenance portal from XXXX until XX/XX/2020. 

Multiple 30 day email notices to vacant 6 months before vacating property during covid were sent to notify the landlord. 


I emailed the landlord multiple notices to fix property and to remove pests, rodents and roaches that were never resolved and the lease they are fraudulently overcharging me {$6000.00} for the lease. 

XXXX  XXXX XXXX XXXX and Safety due to Roaches and Rodents they had 14 days to fix and did not fix the issue that started in XX/XX/2020 - XX/XX/2020. I am able to break the lease with no extra charges because they failed to fix the rodent and pest problem. 

Virginia State Tenant / LAW was violated by landlord 55.1-1234. Noncompliance by landlord. 
Except as provided in this chapter, if there is a material noncompliance by the landlord with the rental agreement or a noncompliance with any provision of this chapter, materially affecting health and safety, the tenant may serve a written notice on the landlord specifying the acts and omissions constituting the breach and stating that the rental agreement will terminate upon a date not less than 30 days after receipt of the notice if such breach is not remedied in 21 days. 

If the landlord commits a breach that is not remediable, the tenant may serve a written notice on the landlord specifying the acts and omissions constituting the breach and stating that the rental agreement will terminate upon a date not less than 30 days after receipt of the notice.

This has affected my ability to rent, or mortgage and credit score See lease PDF See Virginia State landlord law PDF View email notifications. PDF Contacted XXXX credit report ( was not removed ) It was removed from XXXX Credit Report
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. 
SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXXXXXX XXXX  ACCOUNT # XXXX I already make a complain and THEY DID NOT SOLVE THE ISSUE YOU ARE NOT reporting 100 % correctly. You are violating FCRA. 
DELETE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. Please help me resolve this issue as it should not have been on my report to begin with and it is now effecting my ability to get a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I got engaged. My fianc and I are looking to purchase a home. As I reviewed my credit Reports, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as they are affecting my fianc and I from Purchasing our dream home. 

XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX - XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX - XXXX   XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX 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

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I contacted this company about a charge I did not authorize as soon as it appeared on my account by XXXX FL XX/XX/XXXX for - {$45.00} it was refunded however a few days later I received nuner charges on my account that I did not authorize XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX  TX - {$57.00} - {$100.00} - {$78.00} - {$100.00} - {$100.00} - {$100.00} - {$110.00} - {$54.00} - {$55.00} - {$51.00} - {$73.00} - {$73.00} - {$110.00} XX/XX/XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX a XXXX Country Sheriff went to my parents house in XXXX, PA to an address I have not lived at it over 5 years, nor the address on the account in question. I was immediately contacted by my parents, and reached out to the sheriffs office to find out what paper were being server. The papers were a lawsuit filed by Portfolio Recovery Associates LLC for a debt from a overdue credit account. They would not provide me with the details of the account information. They continued to call my parents house after the sheriff was told I no longer lived at that address. On XX/XX/XXXX I contacted Portfolio Recovery Associates to make payment in full for the debt to resolve the issue from my credit report. The payment was verbally authorized to be made on XX/XX/XXXX. As of today the payment still has not been withdrawn, and when I contacted Portfolio Recovery Associates I was told, " We 'll see you in court. '' And hung up the phone. I 've filed a dispute with XXXX, and Portfolio recovery is now causing damages to my mortgage application, because of not accepting payment in full. I have filed a stop payment order with my bank and I will not continue correspondence with this company. I only made the attempt to pay it off to avoid legal costs and have it removed from my credit report.
Product: Payday loan, title loan, or personal loan

795 % yearly apr took an {$800.00} loan 18 payments are due at XXXX $ each
Product: Credit card or prepaid card

On XX/XX/2023, I started a balance transfer with US Bank credit card. I was transferring from XXXX credit card to US Bank. The check from US Bank was sent to XXXX XXXX XXXX XXXX PA XXXX in the amount of {$1900.00}, check number XXXX. Apparently XXXX 's ( old address XXXX XXXX XXXX XXXX PA, now XXXX ) no longer represents XXXX. The check has my name and account number on it that was sent to XXXX. Now that address belongs to XXXX, instead of aeeing XXXX XXXX, does not have an account with then, also seeing there is an account number and name on the check, they decided to cash the check frim US Bank meant for a balance transfer I have called several times with no real answers other than pointing fingers. The {$1900.00} is still showing on my XXXX card but is also showing on my US Bank card. 
I need the money back from XXXX in the amount of {$1900.00} or sent to US.Bank.
Product: Credit reporting or other personal consumer reports

I filed a police report over a year ago when my wallet was lost in XXXX XXXX. My report number is XXXX and since losing my wallet which contained my ID and SS card, I have had multipule Credit Cards opened in my name and have acquired a large amount of debt. I did not autherize the use of my SS # and my personal information to open new lines of credit within the last 24 months. 

I just pulled my current Credit Report and i found a bunch of inaccurate information! 

According to the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ) ( 15USC1681-1681u ) which federal legislation gives consumers the right to dispute incomplete or inaccurate information. 

My current report is reporting inaccurate addresses and personal information that is linked and connected to credit card accounts in which i did not authorize! 

Inaccurate Info ; XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX, NV XXXX These are the accounts that are reporting inaccurate information. I do not have any affiliation with these nor did I authorize my SS # to be used. 

Amex ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I was dismayed to find unauthorized inquiries on my credit report today, and Im at a loss as to why theyre there. My routine check revealed discrepancies that seemed to appear out of nowhere. I even refreshed my browser, hoping it was a glitch, but the unauthorized inquiries remained. I urgently request a thorough review of the documents I've submitted to resolve this issue once and for all, so I can stop worrying about it.
Product: Credit reporting or other personal consumer reports

I previously disputed this account XXXX XXXXXXXX XXXX XXXX debt of ( XXXX ) stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation. Please mail me the proof of your investigation and proof that this debt collector has legal right to collect, or delete this account.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT REPORT AND SEEN THAT i HAD A NEW COLLECTION ACCOUNT XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Activity : Unpaid ( D ) Balance : {$2000.00} I immediately contacted this collection agency asked about the debt asked them to provide proof of the debt they told me they could not give any information and just demanded payment I spoke with them asking them to send this back to the original creditor so they could reach out to me they gave me a number for XXXX XXXX and they just demanded money saying I got services from them which I didnt. This is fraud I have contacted all authorties for someone using my information
Product: Credit reporting, credit repair services, or other personal consumer reports

Late XXXX I noticed an old hard inquiry that I did not authorize. I notified Experian of the issue and demanded removal. I sent this accompanied with a FTC Fraud report ( XXXX ). The letter and report were sent on XX/XX/2023. Experian as of XX/XX/2023 has failed to investigate and has failed to remove the inquiry. They are currently in violation of the FDCPA. I require immediate removal.
Product: Debt collection

I received a letter from First Credit Services about a bill for {$180.00} that I do not owe. I canceled my gym membership months ago at the time I cancelled auto pay from my bank account. The gym was not even opened when they were charging me. I told them I would join again once the covid pandemic allowed. I did not even receive a bill from them before they reported me to this credit agency. Please give this dispute your attention. Thank you so much.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX