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

NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume! lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

In  XXXX  I was a guarantor on a business credit card for  XXXX   XXXX   XXXX . They and myself were unable to pay the {$20000.00} credit card at that time. In  XXXX   Wells Fargo  sold the debt after they charged it off to   XXXX   XXXX  . In  XXXX    XXXX   XXXX   ability to sue me for the debt cease under TX statue of limitations. They may still be able to go after  XXXX   XXXX  if the company still has assets. It is my understanding it does not.  XXXX   XXXX  they sent me a collection letter claiming they have the right to demand payment from me despite the debt being time barred from collections under TX law. They are also attempting to collect {$28000.00} instead of {$20000.00}. This may be business debt but I am still a TX resident and they have no ability to sue me under TX statue of limitation laws.
Product: Credit reporting or other personal consumer reports

I attempted on XX/XX/XXXX to make XXXX payment Due to the incompetence of the employee I was unable to pay the entire amount because I was XXXX $ short in XXXX account and need to split into XXXX and XXXX the XXXX was processed but the employee did not know how to take the XXXX $ so she told me to call back the next day to pay but no one would answer for the next week and I finally emailed the company to have someone call me! Eventually after XXXX I was able to get someone and they processed that payment and took an advance on the XXXX payment. I called twice in XXXX and finally determined that they had tried to debit the wrong account. But was then fixed. All of this is recorded and commented on by their employees especially XXXX and XXXX, they took off late fees and said it was all taken care off. I sent concerns to inquiry @ village capital. They reported me late and dropped my credit score to XXXX from XXXX so I am devastated. I sent all info and asked for an investigation, they said they were justified. They couldnt have read the comments and come to that conclusion.please investigate this. I dont believe I can ever recover from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Is my file the lender and Trans union fix the verbiage after you contacted them my credit score was returned back XXXX points they dropped in 1 day to XXXX then a week later XXXX XXXX again in retaliation sent letter in XX/XX/XXXX and dropped my score XXXX points the notice that resolved said I met the requirements to fix score and a week later that victimized me again
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding incorrect information on my credit report provided by EXPERIAN. My credit report contains inaccurate late payment notations for the account XXXX with account number XXXX which do not accurately reflect my true payment history. 
Issue Details 1. Reporting Errors : According to my records, payments for this account were made on time and as agreed. However, these late payment notations have negatively affected my credit score and, consequently, my ability to obtain fair and equitable financial terms.

2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : The FCRA, specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, requires that information in credit reports be accurate and complete. I have requested corrections to this inaccurate information without success.

o Truth in Lending Act ( TILA ) : Under TILA, 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. The inaccuracy in reporting this account is a violation of this requirement.

o Fair Credit Billing Act ( FCBA ) : According to the FCBA, 15 U.S.C. 1666 ( b ), creditors must adopt reasonable procedures to ensure that billing statements are sent at least 21 days before the due date. This requirement was not met in my case, contributing to the errors in my credit report.

3. Previous Attempts to Resolve : I have made several attempts to resolve this issue directly with EXPERIAN by sending dispute letters and requesting corrections to this inaccurate information. To date, no effective action has been taken to correct the errors.
Product: Credit reporting or other personal consumer reports

I sent XXXX and XXXX and XXXX  letters to valdated and debt with an debt collector no ones reponded
Product: Credit card or prepaid card

This American Express credit card account erroneously shows up on my credit file as charged off for {$4300.00} in XX/XX/2015  even though I never opened this account and it is not mine.
Product: Debt collection

A company named Bay Area Credit Service is purchasing false debts from fraudulent companies that are selling false debts on medical patients, in my case specifically " XXXX XXXX '' their urgent care system " XXXX XXXX XXXX. Have made contact with Bay Area Credit Services on XX/XX/2020, and they no longer have my name in the debt records, however they are still trying to collect a debt that is not owed, and stated " I do not have you in any of our databases, so I can not tell you how much you owe or who the original creditor was that we bought the debt from. '' Shortly after prompting me to give them my Social Security Number. '' This company executing fraudulent practices could not be any more obvious. 

How can these types of predatory business practices be allowed to exist? XXXX  XXXX has a known lawsuit against them please see link below : https : XXXX
Product: Debt collection

This Debt was resolved and removed from all 3 Credit agency back in XXXX Now this year the Collection was put back.

Company- Portfolio Recovery CFPB Case number- XXXX Please Removed from all my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time going and submitting the appropriate information and I keep getting push back when I have provided all correct documents- They keep saying they have reached out to me for a second time but I never get that communication.

Just as a reminder I have had consultation so I know I have provided the appropriate documents because I called the support line, and they walked me through the process and looked over all my documents so please delete and block the information in the allotted time so that I can move on please.

I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents

needed were self-attestation notarized, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under trafficking according to Trafficking-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW.

Which I have provided both all of my documentation as well as an attestation validated by a court appointed representative hence the form was read and notarized. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the trafficking CFPB -FCRA FINAL FACT. I have been in therapy since before the final ruling effective date XX/XX/2022, and I have self- attested as well as provided documentation showing I am in group sessions with an advocacy group and my attestation was signed by a State appointed rep from the courts with time stamp and dates. I have provided all appropriate documentation and Im in compliance under the Final Rule which established me as a victim of debt bondage which falls under trafficking. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, then date last active is inaccurate, and date last report is not accurate, This ground for removal they also violated my rights under 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 that a consumer reporting agency can not furnish an account without my written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired Lexington Law because they stated they were an actual law firm, and could get into doors that other " credit repair '' companies could not get into. They made it sound like they were an all inclusive stop for credit issues. Come to find out, this company is an absolute sham, just like 99 percent of the rest of the companies out there are. 

I had legitimate credit issues that could be fixed. The problem? I never was contacted by Lexington Law once to review my file. They did not ask me once what the issues were. This means, they were sending out generic complaint letters, even for accounts that had legitimate errors on, they were disputing a generic dispute. Their portal does not even allow you to add detail. They ended up causing my damage than they helped. 

I did call in for advice, which they would not even attempt at providing because they weren't an attorney, even though that's how they advertise themselves and they have law in their name. 

I know there are a lot of bad reviews for the company out there, but I did see an option for credit repair companies, so I filed this complaint against them as they legitimately barely even tried to help. They are there to collect a paycheck from people who are trying to climb out of tough situations, which is shameful in my opinion.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 Stat
es : 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 or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : 1. ACCOUNT : XXXX XXXX XXXXXXXX XXXX Disputed Information : account #, high balance, last verified, date of last activity, date reported, date opened, closed date, creditor type, creditor remarks, last payment, term length, account type, payment frequency, and credit limit. 
XXXX. XXXX XXXX, Disputed Information : account #, high balance, last verified, date of last activity, date reported, date opened, closed date, ACCOUNT STATUS, creditor remarks, last payment, account type, payment frequency, and credit limit. 
XXXX XXXX XXXX XXXXXXXX, account #, last verified, date of last activity, date reported, date opened, CLOSED DATE, Disputed Information : account status, creditor remarks, original creditor, last payment, past due amount, account type. 
XXXX. XXXX XXXX XXXX XXXX, Disputed Information : account #, high balance, last verified, date of last activity, date reported, date opened, creditor type, account status, payment status, creditor remarks, last payment, term length, past due amount, account type, payment frequency, and credit limit. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request EXPERIAN prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

Section 611 : Right to dispute inaccuracies and request investigation.

Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : SSN, BILL, PICTURE OF INACCURACIES AND DRIVER LICENCE.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. 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 XXXX XXXX  Balance : {$520.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX - XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans are being reported 6 times, as charged off accounts 3 of them for XXXX 3 of them for XXXX. Totaling over XXXX in charged off accounts that should not be appearing on my credit. I have tried for years between the department of education, and Nelnet to get this fixed, to no avail. Please help get this fixed I am desperate!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing XXXX late payments on a closed account that is COVID 19 related. This account has been fully obligated and now because of COVID 19 is indicating XXXX time late. Partial account # XXXX
Product: Debt collection

I had internet service through XXXX who I paid a deposit to several years ago. XXXX was bought out by XXXX and I continued my service with them for a couple of years until their service became unreliable. I canceled that service in XX/XX/XXXX. At that time I was under the impression that I would get my deposit credited back to my final bill and the remainder would be sent to me. Nearly a year goes by without hearing anything from XXXX. On XX/XX/XXXX I noticed a collection account from Radius Global Solutions for {$190.00} listing the original creditor as XXXX. I wrote to Radius Global Solutions explaining the situation, disputed the debt, and requested debt verification. A few weeks later I received ( from XXXX ) a copy of a XXXX XXXX dated XX/XX/XXXX. This was apparently their validation of the debt. On XX/XX/XXXX I did an online chat with a XXXX rep. The only thing I was really after was an address of where I could send a dispute letter as there is not XXXX listed on their website. After XXXX minutes of " let me check with my supervisor '' back and forth, I was told that there was no address that I could send correspondence to because the " debt is valid ''. I explained that the FDCPA allows for a dispute process. XXXX still refused to provide me with any information on where or how to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown information on my credit report I am reporting that there is inaccurate information on my credit I was not aware of i recently pulled my report and I found that I had XXXX name spellings and various addresses with inverted information numerically and many other errors or co panics that I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX   XXXX XXXX APT XXXX, XXXX, XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, T XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Companies XXXX  XXXX XXXX XXXX XXXX was a co sign inaccurate account amounts XXXX   XXXX XXXX XXXX XXXX XXXX XXXX IS MY PERSONAL XXXX INFORMATION XXXX XXXX XXXX XXXX I GAVE NEVER DONE INQUIRIES WITH THESE COMPINES XXXX   XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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
Product: Debt collection

I'm receiving an average of XXXX calls a day from TD auto using multiple phone lines. Get the calls from XXXX till XXXX mon-sun
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, My bank XXXX XXXX XXXX XXXX, Had been reporting my credit under the wrong social security number, My social ends in XXXX, and they had been reporting under XXXX from around XXXX period. After multiple attempts, we were able to fix this issue and primary credit recording companies were notified such as Experian, and XXXX. They were notified back over last summer and had gone to a less direct route for inquires. After multiple attempts over the year, my credit is not accurate and not allowing me to check my credit. As the regulating agency can you please step in and help me fix this issue. 

Thank you, XXXX XXXX XXXX
Product: Mortgage

I was contacted by Mortgage Capital Associates by telephone to refinance my mortgage. Because of the low rates, I agreed to explore the opportunity. Upon review of rates at XXXX, I found their rates were 0.25 % higher than some of their competitors. I brought this up to them and they agreed to match it. Now that its time to close the loan, they are telling me that they can not honor the original rate quoted and need to charge me the higher originally quoted. Their excuse is that they had to switch to XXXX XXXX from XXXX. At this point, I have already spent {$500.00} for an appraisal and they know that most customers will just eat the extra costs. This is basically a bait and switch and I believe they never intended to give me the lower rate. Instead, they told me what I wanted to hear to get the business.
Product: Money transfer, virtual currency, or money service

Back in XXXX  I first got an account with cash app. And seemed okay at first. Then it was somehow someone hacked my account, getting my card number, and access to my account. I was told I would receive a new card. And I was get many taken out and bitcoin being bought and sent to address I didnt know. XX/XX/year>. Total of {$610.00} XXXX was bought and stolen on XXXX different days. And XXXX XXXX. Total of {$430.00} XXXX was bought and stolen on XXXX different days. And XXXX XXXX. Total of {$3100.00} XXXX was bought and stolen on XXXX different days. And XXXX XXXX. Total of {$10.00} XXXX was bought and stolen on XXXX day. And I had reported this and had my accounts froze to stop the attempts. Total of {$4200.00} in XXXX was bought out of my account from my linked cards to cash app. I had a few times a charge from XXXX XXXX XXXX XXXX. I dont even know where that is. I kept reporting this and never got a full explanation or response from them, just will send you a new card. I have all the dates if needed. Ive been having trouble with them since this, and tried to keep the account open to keep in touch with CashApp hoping to receive and respond or refund from this fraud. Until last years XXXX, XXXX XXXX  I was told my account was closed, due to Violation of our Terms of Service. I was completely confused. I asked for a response or reason for this happening and they told me theres nothing more they could say. I would get a email Ive tried again. Chatting with a XXXX, and XXXX XXXX and XXXX. And a chat bot on numerous occasions. All being told the same thing. Never fully getting a explanation of this closer and nothing being done about my account being hacked and fraud. Ive been told nothing, not any calls, emails or nothing about this. Again I have dates for everything, documents and screenshots of the conversation. I was totally confused as to why my account was closed before handling my fraud I reported.