23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2015 XXXX XXXX of the Robert A Schuerger law offices contacted my employer and revealed sensitive data about student loans debt to them. They told them that they have a program to help me pay the debt and " not to worry and that I did not owe any money ''. I received a call from my employer telling me exactly what she said and My employer told me that they did not represent themselves fully as a debt collector and to report them if they turned out to be. I call XXXX XXXX and she told me there are programs that the government has to vacate the judgment against me and that I would qualify since I worked at a " school ''. I do not work at a school, My company has " tech in the name so she assumed that it was like XXXX XXXX. After trying to convince me to sign up for some of these programs for about 5 minutes and me asking for more information like the case number etc. I asked point blank, Is this a debt collection, and she said " No I am trying to do you a favor '' I then asked if she had contacted my place of work in order to contact me about a debt and she said no and that she gave them no details. I asked her how I was aware of all of the details of why she called there if she had not discussed my debt. After several minutes of asking " did you contact my place of business to collect a debt? '' " and is this an attempt to collect a debt? '' she became very angry and said " This is an atempt to collect a debt and all information gathered will be used for that purpose '' and she also added that I was being recorded. I asked if she is required to inform my of the attempt and the recording at the beginning of the conversation or at the end and she would not stop yelling or let me speak and then hung up on me right after I informed her I would be reporting this incident. They have the call on tape and everything I said can be proven. She did not have permission to contact my employer via phone or to record me and not inform me of her motives in making the call in the first place.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed fraudulent account on my report I don't know what XXXX XXXXXXXX XXXX XXXX, this fraudulent account need to be remove from my report because it's hurting my personal finance.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed a transaction on my credit report with Experian. In less than 24 hours they denied my dispute. The reasoning is not made clear. The Account name is XXXX XXXX XXXX There is a XXXX balance on this account. I am requesting an investigation into the validity of not only this account to prove ownership but also an investigation into the steps that Experian took to accurately investigate this dispute.
Product: Credit reporting or other personal consumer reports

I filed a dispute with all three credit reporting agencies namely Experian, XXXX XXXX and XXXX regarding inaccuracies to my credit report. Experian removed the following account XXXXXXXX XXXX XXXX XXXXXXXX and then reinserted it as accurate. The other reporting agencies namely Experian and XXXX deleted this account as inaccurate. So therefore Fair Credit Reporting Act ( FCRA ) regulates the reinsertion of account information on a consumer 's credit report. A credit reporting agency can only reinsert disputed information if the data furnisher certifies that the information is accurate and complete. The CRA must notify the consumer with 5 business days of reinsertion. Please furnish me with copies of any and all such certification.

Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

Please furnish me with the required statements and data ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information.

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting you this CFPB Complaint today to have you, once again, to correct my Credit File from erroneous reporting of accounts and information. Under the Fair Credit Reporting Act, I am entitled to request from you an investigation and have the erroneous information corrected as soon as possible. I am submitting this Complaint once more to demand of you to correct my Credit file by updating or removing the following accounts from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/20XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$03.00} Also, on my previous Complaints and dispute letters, I have been requesting that you send me copies of documents resulting from your investigation and up until now, I received nothing! Your inability to prove me with my requested documents should have resulted in the correction or deletion of the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I opened an account with XXXX XXXX through the XXXX XXXX XXXX  and was approved for a {$400.00} line of credit. I was super excited to get the opportunity to start building my credit again. On or around XX/XX/2020 I changed bank accounts and as such grain was not able to take my monthly payment. 

When i logged into the app on my XXXX  to update the bank account, it kept giving me an error so I contacted support. Eventually the issue was semi resolved. This is not the reason for my complaint today though. 

Now, fast forward 8 months later and I am having the same issue again. Except this time, they have reported a 30 day late for XXXX and a 60 day late for XXXX. This is preventing me from finding a new apartment now and XXXX XXXX has no one I can call. 

When I try to go on the app to put a new payment method, it says that my bank is not supported. So i tried a seperate account but it said that my XXXX XXXX  account is being used for another account. So here I am again, unable to make a payment while my credit is being damaged and I can't even get a hold of someone at XXXX  to make it right. 

I am requesting these late payments be removed IMMEDIATELY and for me to be sent an invoice to XXXX so that I can pay this off in full and close this account. 

My parents are also experiencing the same exact issue which is causing them unjust harm as well. 

Thank you for your assistance in regards to this matter.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX account number XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

FINAL NOTICE! I am writing to express my distress regarding the inaccurate information included in my credit profile. Your failure to maintain reasonable procedures to ensure maximum accuracy in the credit reports you publish is a violation of the Fair Credit Reporting Act ( FCRA ) and federal law. 

I request that you immediately block and remove all inaccurate information from my credit report and provide me with an updated copy. 

Under the FCRA, any disputed item can not remain on my credit report without supporting evidence. I would like to remind you of the following relevant laws : 15 U.S. Code 1681n : Civil liability for willful noncompliance 15 U.S. Code 1681o : Civil liability for negligent noncompliance 15 U.S. Code 1692k : Civil liability for violations related to debt collection practices I am entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ), which states that a consumer reporting agency must provide written notice of the results of a reinvestigation within five business days of completion.

In accordance with the FCRA, any inclusion of late payments or derogatory statuses is a violation of 15 U.S.C. 1681a ( d ) ( 1 ), which excludes reports detailing transactions solely between the consumer and the reporting entity.
Product: Credit reporting or other personal consumer reports

These accounts are not mine, they have incorrect information and greatly affect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit today because I'm preparing to purchase an income property and I noticed erroneous information on my credit profile. I did not authorize the following companies to run a credit check, nor did I authorize them to open a credit account for myself or anyone else. I have not yet contacted these companies. 

Accounts : XXXX XXXX XXXX XXXX Account Number - XXXX Date opened - XX/XX/XXXX XXXX XXXXXXXX   Account Number - XXXX Date opened - XX/XX/XXXX Syncb/ Care Credit Account Number - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Inquiries : Credit Plus XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my account that were not me. This started on XX/XX/2018. There are some as of last month
Product: Debt collection

In XXXX  I signed a three year contract with XXXX XXXX. My montly bill was paid to XXXX XXXX. When I sold my home I notified XXXX  that I wanted to cancel. When I cancelled, a letter of cancellation was sent to me for signature. 

I never signed up with XXXX or made an agreement with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a robot nor am I a XXXX party, however I am a XXXX year law student and I have put in a lot of time to study consumer law, and I know my rights have been violated. 15 USC 1681 section 602 A. states I have a right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency CAN NOT furnish any account without my WRITTEN consent. FEDERAL LAW overrides ANY company policy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove any variation of my name that is not XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a previous issue with XXXX XXXX, XXXX, and Equifax. There has been several issues with this account. XXXX does not own this account I have contact the corporate office of accounts, there was no account found to update. Somewhere there is a disconnect in information and communication. I am failing to understand how there can be an updated on an account when XXXX is claiming they do not have the account in their office. I do not believe that XXXX XXXX, XXXX  and Equifax have actually done any type of simple or detail investigation. I have asked to have the status deleted from my profile deleted not updated with a bogus balance adjustment. This account need to be deleted until further noticed and proper noticed can be account for.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.SC 1681 section 602a states I have the right to privacy. 

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 




In accordance with the Fair Credit Reporting Act VXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.SC 1681 section 602a states I have the right to privacy. 

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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 transunion 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following account have violated my rights 15 u.s.c 1681 section 602 A states i have the right to privacy 15 u.s.c 1681 section 2 it states a consumer reporting agency can not furnish a account without written instructions XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Acct # XXXX, Acct # XXXX, Acct # XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Personal information XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX # XXXX XXXX, SC XXXX Employers XXXX cleaning
Product: Credit card or prepaid card

In XX/XX/XXXX a purchase was made on my Sears Store credit card. At this time there was a special interest free promotion for two years in which we participated. During these two years we continued to make our regular monthly payments of interest + capital and it was our understanding that these monthly payments were being applied to the overall credit balance including items which were part of this promotional offer. We identified today that this was not the case and therefore in XX/XX/XXXX an interest charge was applied to the account of {$800.00} against an original purchase cost of {$1100.00} which is in effect interest of 73 % over the two years. 

We were told today that on the online statement that it was possible to see that our monthly payments were not being applied to the promotional offer items but this was not identified during the entire 24 month process. At no time were we informed of this or the impact of these charges not being applied. When we agreed to participate in the offer we were also not informed that we would need to do anything other than to continue to make monthly payments. 

We are in no doubt that we along with likely a large number of others will have been caught in this deception and will have interest rates applied which look like figures applied in an extortion racket. 

When we spoke the the Account Supervisor ( the most senior person who would speak to us ) we were told that there was zero they could do and that this was our fault for not realizing that our monthly payments were not being applied to the promotional balance.
Product: Credit reporting

A court judgment was reported incorrectly on my credit report. I was list as the defendant whereas I was actually the plaintiff and it was also listed that the judgment was against me whereas it was for me.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Resolution Regarding Billing Discrepancy and Suspected Securities-Related Activity Dear XXXX XXXX XXXX XXXX I trust this message finds you well. I am writing to address a pressing concern regarding my XXXX XXXX account, specifically a persistent billing discrepancy where statements consistently reflect a positive balance, even when there is an outstanding balance on the account.

I wish to draw attention to federal regulations, particularly 15 U.S.C. 1666 ( b ), which expressly prohibits the reporting of late payments under any circumstances. This provision underscores the importance of accurate reporting practices. Concerns arise as it appears that reasonable procedures to verify the receipt of billing statements have not been adequately adopted.

Furthermore, the absence of a robust system to confirm the receipt of billing statements raises questions about compliance with federal laws, including 15 U.S.C. 1611 ( 1 ), which prohibits creditors from furnishing false or inaccurate information. Any billing discrepancy contributing to a misrepresentation of my financial status may potentially breach this crucial provision.

In addition to the billing concerns, I wish to address suspicions of a discrepancy in securities-related activity. The observed discrepancy between the reported positive balance and the actual outstanding balance raises concerns about potential securities fraud. This raises ethical and legal concerns, as engaging in such activities could have serious implications.

I respectfully request the following actions to address these concerns : 1. *Thorough Investigation into Billing Discrepancy : * Conduct a comprehensive examination into the billing discrepancy, rectifying any inaccuracies to accurately reflect the current balance.

2. *Transparency Regarding Securities Trading : * Provide a detailed explanation of any securities trading related to my account and clarify how it may impact my rights to the security interest. 
3. *Update Account Status to " Paid as Agreed '' : * Request an immediate update of my account status to " Paid as Agreed '' to reflect the accurate payment history.

It is my sincere hope that these matters can be addressed promptly and transparently to ensure compliance with applicable federal laws and regulations. 

Your attention to these concerns is highly appreciated, and I trust XXXX XXXX will take the necessary steps to rectify any potential inaccuracies, provide clarity on the observed billing and securities-related issues, and promptly update my account status as requested. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Paid XXXX on XX/XX/2020 and XXXX on XX/XX/2020 to Merchants ' Credit Guide Co. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX : ( XXXX ) XXXX I still receive calls and it is still noted on my credit report. Im not sure how to take it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Date Opened XX/XX/18 XXXX {$3000.00}