23daVinci/CFPB_Complaints huggingface dataset:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts below : Account name : XXXX XXXX XXXX  Account number : XXXX I dont have full account but this number is whats showing on my credit report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Act as my credit repair and write me a dispute letter to delete a collection
Product: Credit reporting or other personal consumer reports

I am writing to complaint to MACYS/CBNA about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX SC, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit card or prepaid card

I receive a message of a hard inquiry on my credit report. I noticed a Capital One quicksilver card was opened on my account. I contacted Capital One and cancelled card and reported it was a fraud account. It was canceled. They suggest I make a report on the .Gov web sight.
Product: Credit reporting

I contacted First Advantage regarding an Alias they reported I used and have a criminal record under. They repeatedly deny having issued a report or claim to have no access to it.
Product: Mortgage

My property loan was sold to Statebridge company, so they became the new loan servicer. I didn't know they were the new loan servicer until my credit report dropped 100 points because they reported me over 90 days late. They had never sent me anything, and I had been making regular payments to the previous loan servicer. So far, they have charged me a late fee and ruined my credit even though its their fault. When I make a payment online to them it is rejected but I don't know why. I have also just received a notice from my insurance company that my homeowners insurance has been cancelled for lack of payment because Statebridge didn't pay it. When I called Statebridge I was told they didn't know they were supposed to pay it even through I pay into an escrow account every month for it. I had to pay it myself to reinstate my insurance. I think they are intentionally not sending out correspondence, not sending out statements, and intentionally not paying insurance, to rack up fees and foreclosures. I have contacted them by phone or email but still have not had a satisfactory response.
Product: Debt collection

I spoke to a representative of the company and I explained to her that I would like to start making payments on the debt owed. She repeatedly told me that it was their companies rules to charge me XXXX $ each time I paid a specific amount owed towards the balance. I asked her if she had any information on that policy she told me no they do n't share that information with clients. Something 's not right with this company.
Product: Debt collection

Requesting Debt Validation from XXXX. XXXX  does not have permissible purpose to furnish the following accounts on my report. Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement with the XXXX XXXX signatures of BOTH parties, YOURSELF included. Im sure you know the contract or agreement must be with the original creditor and signed by all parties involved!

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Product: Credit reporting or other personal consumer reports

I paid off multiple small loans with XXXX on XX/XX/year>. Another reporting cycle has passed and they have not updated the balances totalling {$1200.00}. Because they failed to report the correct information, I filed a dispute thorugh Experian. They rejected the dispute and falsely stated the balance information was currect, which is dishonest practice and has damaging effects on me and my credit. The issue is that they XXXX ) did not report the correct information when the next report date came around but XXXX ) they intentionally lied on the disput responce regarding the balance, wich is false reporting and consumers should be protected from that.
Product: Credit reporting or other personal consumer reports

Despite my previous attempts to address this issue, I regret to inform you that the late open account remains unresolved in my credit report. This discrepancy is causing significant concern and may have adverse effects on my creditworthiness and financial opportunities. 

I kindly request your urgent attention to rectify this matter by promptly correcting the status of the late open account in my credit file. It is imperative that my credit report accurately reflects my financial history to ensure fair and accurate assessments by lenders and financial institutions. 

Furthermore, I would appreciate transparency regarding the steps being taken to resolve this issue and prevent similar discrepancies from occurring in the future. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a XXXX prepaid wireless plan some years ago. Somehow without me signing or agreeing to a contract XXXX Switched my plan to a post paid account and put me into a contract and has been trying to collect money not owed to them. I paid my last bill in-full before switching to another phone carrier. They have put this on my credit I have complained they have removed it but subsequently sold the account to another collection agency called I C System Inc. I would like this removed immediately. There is no executed agreement between myself and XXXX.
Product: Credit reporting or other personal consumer reports

Certigy continue incorrectly reporting checks that I received from XXXX XXXX companies as though I wrote the check. I am not used check in over 25 years. I don't understand why they continue to recommend to businesses that they do not cash my checks when the check is written from the business. I have had a hard time trying to get someone online or over the phone to talk to me about this issue and it continues to go unfixed I requested a copy of my credit report from this company and have not gotten one to this day.
Product: Credit card

At the end of XXXX I received in the mail a CashApp debit card ( XXXX  ) that I never requested. I called them right away to cancel and find out how they had gotten my information. They had me send pictures of the card back and front and answer several questions which I did on XXXX. They said they would investigate and get back to me. I still have not heard from anyone there. 
Today XX/XX/XXXX I called to see if the card had been canceled as I requested and they say they can not give me any information, yet they can open an account under my name!!!! They were not helpful and both times I tried to verify the cancellation they dismissed me and hung up saying they could not help me and all they could do is escalate the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I sold our home in XX/XX/2022, because we found out that we purchased our house with a wrap mortgage ( unbeknownst to us ). A few months later, August Real Estate Investments ( the servicing company ), reported to XXXX that we owed late payments that total {$3800.00} and the balance of the home of {$180000.00}. 

I have spoken with August REI staff, via telephone and email, and was told that the account was reported closed in XX/XX/2022, with a balance of {$0.00}. Because of this, I disputed the discrepancy on XXXXXXXX XXXX website. When I received the results of the dispute, the discrepancy remained on my credit report. Since then, I have disputed this inaccuracy four separate times. The results continue to state, " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY ''. 
Again I made contact with August REI and was told that they would dispute the matter and have it removed. That has not happened. My most recent results were returned on XX/XX/2022.
Product: Credit card or prepaid card

I have a Government issued debit card provided by Bank of America. On XX/XX/2021 a company called XXXX XXXX XXXX aka XXXX issued me a XXXX for {$2100.00} for a purchased I made on XX/XX/2021 to which they were not able to ship the merchandise and lacked inventory so they issued me a REFUND for not received as they were out of stock on the item I purchased. The XXXX was for {$2100.00}. Bank of America sent me an email on XX/XX/2021 asking me to call in their customer service line to " URGENT : Please Verify XXXX XXXX XXXX '' and in the email it showed transaction XXXX for {$2100.00} they received. I called and verified the refund but I never received the refund. When I called back the next day, they claimed to " not know what I'm talking about '' and stated they didn't have any refunds. I forwarded the email and text message I received but they still continued to say they didn't receive any refund. The email had a case number XXXX, XXXX XXXX XXXX ending in XXXX. I would like to simply receive my XXXX for {$2100.00} but BOA refuses to release my money and claim they don't have it.
Product: Credit reporting or other personal consumer reports

I tried to dispute first premiere account I have 2 of the same accounts reporting on my credit I know this is inaccurate
Product: Credit reporting or other personal consumer reports

This account was charge off in XX/XX/XXXX and was reopened with a new balance in XX/XX/XXXX. This information is incorrect and this account should be deleted. By the provisions of the fair credit reporting act I demand remove any information that the creditor can not verify I understand that under 15 USC Sec 1681 ( a ) you must complete the reinvestigation within 30 days. 

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

Since XX/XX/2022, I have been trying to get the credit bureaus and all of the companies who have been illegally furnishing my information to remove 2 accounts on my credit file that are not mine. I have provided them an identity theft report and in good faith tried to resolve this matter. My rights as a consumer have been violated on multiple occasions. Section 605 b of The Fair Credit Reporting Act states that any item that the consumer alerts a consumer reporting agency is a result of fraud, must be removed within 4 business days. How dare you even furnish an account on my credit file. I did not give you written permission. On top of the other violations being committed against me, XXXX XXXX is committing tax fraud for reporting the fraud account they have listed on my file. It is listed as a charge off. This means they have written the account off and sold it. Therefore, they have no interest in the account. They are guilty of furnishing untrue information. I demand that these accounts be removed immediately.
Product: Checking or savings account

A Check was written to  XXXX   XXXX   XXXX  on  XXXX   XXXX ,    2017 a nd  XXXX   XXXX ,    2017 in  the amount of {$4000.00} and {$2000.00}. He forged my signature. The {$4000.00} check was not endorsed on the back and cashed. The {$2000.00} check was not. Citibank said they called me to let me know there was suspicious activity but could n't get a hold of me and Citibank pushed the check through anyway, even though it was suspicious. They refuse to give back my {$4000.00} when Citibank was negligent and they said it was my fault for not checking my account within 30 days. The police said it sounds like an inside job.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have received a debt settlement notice in my mailbox. I do not owe any kind of debt to any one. All my credit cards are regular and up to date. I do not carry any balance forward. 
The sender is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I made the full payment of the Payoff on my account, for a value of {$3000.00} dollars, which was charged to my bank account. During those days I was sick and I didn't realize that they kept trying to charge more installments to my account, and they charged two more installments. When I found out, they told me that the loan had been reinstated, and they couldn't do anything. That I had to keep paying.
Product: Debt collection

full and got a confirmation from them, advising me that as soon as the payment posted the account would be satisfied and listed as " paid collections '' and closed on my credit report, I was advised that they would contact XXXX XXXX XXXX, and let them know that this was now a " paid collections '' and would be closed. To this day I have contacted XXXX XXXX XXXX XXXX and Diversified Consultants, XXXX as my account is showing a {$0.00} balance but is still showing as an open account, I have yet to receive any answer from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # 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
Product: Credit reporting or other personal consumer reports

I requested to update the limit being reported by Transunion because it is incorrect when it was showing XXXX to the correct number XXXX. They updated it on my credit report and now a couple months later Transunion has changed it back to XXXX on my credit report. I checked with XXXX XXXX XXXX XXXX and they said it is still a limit of XXXX. Disputing it with Transunion did not work, they said {$1000.00} was right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Please remove this account pronto.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Account as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurate information as of XXXX. I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX  XXXX XXXX. They did not provide me with the original contract as I requested. According to the FCRA it is illegal to report a debt & late payment on a debt that has no contractual agreement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard Inquiries as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXX XXXX XXXX XXXX Amount : {$25000.00} Account number : XXXX Account opened : XX/XX/year> b ) Accuracy of report 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. 

Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay. Thanks
Product: Debt collection

I made a partial payment for this month. Despite this and asking for COVID assistance they company continues to call. I have informed them that I used to have 3 jobs and now have none and I am still unable to get ahold of Virginia unemployment. They claim to have no other means of putting the account on hold. 

XX/XX/XXXX XXXX XXXX x 3 XXXX x 3 XXXX x 3 XX/XX/XXXX XX/XX/XXXX x 2 XX/XX/XXXX - I called but their phones said they opened at XXXX even though I called after that time It seems like poor consumer advocacy to let companies destroy your credit when the country is still shutdown and people would go to work if they could in many cases. All three of my jobs will remain shut down for the foreseeable future..
Product: Credit card or prepaid card

I received a notification from PayPal that the suspected fraudulent activity on my PayPal line of credit. I check the notice and responded that I did not make the purchase of XXXX dollars and I followed their steps to secure my account. Once I logged into my PayPal again I saw that the same person had also made a charge of XXXX on XX/XX/2023 on the same website they tried to charge my credit for but this was on my debit /checking account that is loaded on my PayPal XXXX This user also added a new address to my PayPal to have the product sent to their residence in XXXX. Im in the XXXX. In XXXX. Not anywhere close. I contacted PayPal and could not get a customer rep to assist so I left the message per their instructions for someone to follow up with me when available. I also tried contacting the seller through their phone number and email listed on the transaction, the phone number was invalid and the email was not answered. The charge was authorized and taken from my bank account by PayPal. I filed another complaint stating this was fraud and they had notified me of the same user moments before this transaction trying to charge my credit. They stated they had to follow their procedures and contact the seller for items not received, even though it was an unauthorized fraudulent charge. I filed a dispute with my bank on the charge and continued trying to work with PayPal to resolve the matter. PayPal has sense followed up with XXXX emails stating it was not fraud and they closed the case. It is very much fraud and I have sense found out they had a data breach in XXXX. I have also had XXXX others I know have their accounts charged fraudulent charges in the last week. PayPal did not inform me of their breach and have not made a reasonable effort to remedy this situation. It is now almost XXXX weeks later and I am still fighting with them.
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  Account # 's 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following accounts from my credit report!XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX