23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX 120 days late. 
{$2700.00} past due XX/XX/XXXX. 
The past due payments, and amount reporting as late are both incorrect. 


2. Department of EducationXXXX is listed on my credit report four times with the same account number and different information that don't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dose n't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dose n't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dose n't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dose n't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Erroneous Late Payment Information XXXX XXXX XXXXXX/XX/XXXX ( 60 days late ) Charge off amount XXXX Dose n't reflect the proper loan information. The negative information is reporting inaccurate amounts and payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the bank linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX
Product: Checking or savings account

TD bank closed my account without notifying me. I believed there are money in my account but I can't access to my account information. I went to a local branch last week to get help but the staff said they don't have my account info as well because it's already been closed so he gave me a customer service number to call but the one I talked told me she couldn't help because no information is showed so she gave me another number to call but it's all the same, nothing showed up on my account! I'm so frustrated that I can't get any information on my bank account. From the record I have the last time I used my bank for an online payment was last year in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Balance details Paid off- Balance- Balance updated- Original balance {$24000.00} Account info Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXX  Account typeAuto Loan XXXX XXXX XXXXOriginal creditor : XXXXXXXX XXXX XXXX Balance details 0 % paid off Balance {$410.00} Balance updatedXXXX XXXX XXXX Original balance {$410.00} Account info Account numberXXXX Date openedXXXX XXXX XXXX Account typeDebt Buyer StatusCollection account. {$410.00} past due as of XX/XX/XXXX. 
Status updatedMar XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$2300.00} Balance updatedXXXX XXXX XXXX Original balance {$2000.00} Account info Account XXXX Date openedXXXX  XXXX, XXXX Account typeCollection StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXX XXXX {$1100.00} Balance updatedXXXX XXXX XXXX Credit limit {$750.00} Account info Account XXXX Open/closedClosed Date openedXXXX XXXX, XXXX Account typeCharge Car XXXX Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXX Account typeCredit ca
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX @ XXXX Equifax just said nothing they can do to help me just gave me numbers and that was it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
This account is a fraudulent account, same account number reported twice on my credit bureau with different amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today being XX/XX/2020, a collection account is showing up once more on my personal credit bureau again on XXXX that was just disputed and removed. The collection being XXXX XXXX and the orginal credit being XXXX XXXX XXXX. I have never personally borrowed anything from these two enitites which is why when is showed up over 60 days ago on my XXXX cedit bureau, it was disputed and removed immediately becuase i have never personally put my personal credit bureau up with these two entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bill, drivers License, and W9 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX and XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$100000.00}. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W9, and current Utility bill as verification of my ONLY address.
Product: Credit reporting or other personal consumer reports

The Complainant alleges that despite submitting at least thirty-four ( 34 ) detailed notices of dispute, along with copious documentation evidencing inaccuracies, Equifax has consistently failed to correct the erroneous information and facially false information pertaining to the XXXX XXXX XXXX XXXX ( Card Account XXXX ). This ongoing failure to address the inaccuracies has caused significant harm to the Complainants creditworthiness, financial stability, housing stability, employment, and health. The attached document serves as the Complainant 's formal demand for the immediate deletion of the account/tradeline XXXX from any and all consumer files Equifax maintains and disseminates regarding the Complainant.
Product: Debt collection

Between XXXX to XX/XX/2020, I have written to Alliance Collection Service four times asking for debt validation and proof that my HIPPA rights were not violated in their purchasing or being assigned this alleged debt. They have not responded and at this point, after 6 months it's time for this to be deleted!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX This account was paid through the previous bank that owned the account. I have asked the creditor to provide physical proof of this debt to include all transactions, signed recipients, payments, balances, application, credit limits, finance charges, fees, etc from when the card was open on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being incorrect and unverified. None of my on time payments are showing on this account. The account is being reported differently to Equifax, XXXX, and XXXX. These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. XXXX has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that this specific and unverified information be corrected or deleted from my reports immediately!
Product: Credit reporting or other personal consumer reports

Im writing you in reference to the Credit reporting agencies have improperly used my credit report and is reporting accounts on my consumer credit report that I have asked them to remove. I know that you have sued XXXX for the very same thing that they are currently violating on my credit report. This has caused so much damage to my credit report and needless to say their infraction is causing me and my children to be homeless. These companies are violating my rights according to 15 USC 1681i ( a ), 15 USC 1681i ( a ) 6 ( B ) 3 and 15 USC 1681i ( a ) ( 5 ) B. Please help. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I have been regularly paying my Synchrony Bank bill. The account balance at the last statement was {$840.00}. I went to pay today and I have {$3400.00} in interest charged this month. They told me the 0 % interest came due on XXXX/XXXX/15 and if I do n't pay the {$840.00} off, I will then be required to pay this extraordinary amount of interest. I had no idea this would happen and am at a loss. Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my current information be Updated properly on my credit report My name is XXXX XXXX XXXX. My current employer is XXXX XXXX XXXX. The following addresses are not mines please remove delete them : XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following number are not mine please delete/remove them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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: Money transfer, virtual currency, or money service

american express took two transactions from my XXXX XXXX XXXX account one for XXXX and one for XXXX when i call them about it they say nothing they can do cause i dont have a card with them my bank says they cant dispute cause transaction is more then year old and my accounts where closed with them so what am i to do things is ive never had american express nor know someone who has ive called them and called them no help
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX XXXX trying to collect money from me for something I do not owe. I did not sign a contract with XXXX XXXX XXXX. XXXX XXXX  XXXX did not provide me with the original contract as I requested. 
Account Number- XXXX Balance- {$XXXX} Date opened- XXXX XXXX
Product: Debt collection

I was recently contracted by a company called dynamic legal recovery, Threatening a XXXX XXXX XXXX and credit for a debt that was supposedly owed to a company XXXX XXXX XXXX XXXX XXXX XXXX out of XXXX Indiana. This debt was never sent to me nothing was ever signed off on. the company cohersed me and threatened me about a debt after a year went by. 

I have asked numerous times to provide the information from the original company which was never sent now the collections agency is sending documents that are not valid. 

I have had multiple calls and emails they have sent text messages to people that are not included into the debt threatening everyone that worked for me that they are included in a law suit. 

what they are doing is completely uncalled for and it is very unfortunate
Product: Credit reporting or other personal consumer reports

Recently, I did an an investigation on my report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

Beginning the week of XXXX XXXX XXXX a company calling itself Sunset Solutions -- caller identified herself as XXXX XXXX -- began contacting me and leaving voice messages stating that I had " multiple infractions under my name and social security number '' that they were handling, which I know not to be true, and " recommending '' that I settle the matter with them " before they take it to my local jurisdiction ''. This has gone on multiple times per day since then. On XXXX XXXX XXXX I called back at the number they left in their voice mail - XXXX and attempted to explain t that I had already checked with my local Clerk of Courts and didn't have any litigation, pending or otherwise, under my name and that I had also found numerous complaints and scam alerts under their own name. The respondent, XXXX XXXX herself, became extremely unprofessional and vulgar with me, instead of listening to what I had to say and trying to verify whatever bogus issue her company had and talking over me, saying " Why are you calling back, then? '' over and over again -- when I tried to inform her not to ever contact me again. Today this company left yet another voice message and I think I may have seen their spoofed XXXX number pop up on my mom 's phone too. Furthermore, as I stated earlier and tried to explain to them, I am not the first person they have tried to scam -- there are entire threads regarding their illicit activities here : https : XXXX and here : XXXX XXXX XXXX 

Here is the XXXX information for their website : XXXX XXXX XXXX Transcript of voice mail : Hello. This message is solely for XXXX XXXX. My name is XXXX XXXX. I'm with the compliance offices of the Sunset Solutions Group and the association sheets. We have been retained and are handling multiple infractions and violations under your name and Social Security number. If you wish to try and sell this matter before we seek any action in your local jurisdiction, I strongly suggest you press one to speak to a live agent. If you are currently represented by council, please have them give us a call on your behalf. You may also return our call at XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account Opened in My Name To Whom It May Concern, I am writing to formally dispute an account opened in my name with XXXX XXXX on or around XX/XX/XXXX. I am a victim of identity theft and can provide evidence that I could not have opened or authorized this account. 

I have been XXXX  since XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Therefore, I could not have participated in any financial activity, including opening accounts or authorizing transactions, during this time. 

The details of the fraudulent account are as follows : Account XXXX : XXXX To assist with your investigation, I have enclosed : XXXX. A copy of my identification ( prison ID ) XXXX. Proof of my XXXX, such as prison records or a letter from the facility XXXX. A completed Identity Theft Affidavit Please confirm in writing that you have received this letter and provide me with updates regarding the status of the investigation. I can be reached at the address above, or you may contact my representative, XXXX XXXX, at ( XXXX ) XXXX. 

I trust that XXXX XXXX will handle this matter promptly and appropriately. Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosures : [ List enclosed documents ]
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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 or other personal consumer reports

Some one open numerous accounts with out my knowledge I been in XXXX for XXXX  years XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit. I have disputed this with XXXX  and they sent me an updated copy of my credit report and this is not appearing. Re-aging a debt is against the law and inserting inaccurate information is also illegal.
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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

I received a letter from Midland Credit Management stating that I owed them {$500.00}. I wrote them a letter and sent it certified mail asking for more information verifying that this is indeed my account as I do not remember signing any contracts with them or having any accounts with them. It's been 30 days and I have not received any response from them. I would like this deleted from my credit report as it is having a negative effect on my report. I have given ample time for them to verify this account and have not received a timely response. I am entitled to fair and accurate reporting according to the Fair Credit Reporting Act, 15 U.S.C. 168.

I am attaching supporting documentation to support my case. 

thank you
Product: Checking or savings account

Charles Schwab has put a hold on my checking account since mid XXXX. I've called 5 times and they just say the account is on hold for security reasons with no other information. I've verified all the information they've asked. I just want my money.