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

XXXXXXXX XXXX reported my loan as over XXXX days late when it was being paid off. 
It has been paid in full. I have not been able to get help from XXXXXXXX XXXX. I mailed a formal request in with documentation and no one has contacted me. I have submitted a claim on Experian and it was not removed. This mistake has destroyed my credit score unnecessarily. I was simply paying off a HELOC with another one. XXXX XXXX requested a payoff from XXXX XXXX, then there was a small amount due left over due to an inaccurate payoff being provided, and I immediately paid that. There was XXXX reason why a mortgage late should have been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account Name-XXXX XXXX Account # XXXX Account Name-XXXX XXXX Account # XXXX Account Name-XXXX XXXX XXXX Account # XXXX Account Name-XXXX XXXX XXXX  Account # XXXX Account Name-XXXX XXXX XXXX Account # XXXX Account Name-XXXX Account # XXXX Account Namee-XXXX XXXX XXXX # XXXX Account Name- XXXX XXXX XXXX  Account XXXX XXXX Account nameXXXX XXXX XXXX Account # XXXX Account name-XXXXXXXX XXXX XXXXXXXX Account # XXXX has violated my right . 
15 U.S.C 1681 SECTTION 602 A States I have the rights 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. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX, XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

An employee called my wife telling my wife that I was in their bad debt and that something needs to be done today or they will Garnish my check. I have also spoke to the manager and district manager about this on several occasions. Several employee has been very disrespectful. They are giving my person information to 3rd parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a consumer of the United States and anything purchased with my credit card remains the obligation of the United States pursuant 15 USC 1601. I the consumer never gave XXXX and associates any written consent to report anything on my consumer report which is a direct violation 15 USC 1601B ( 2 ). I never signed a contract or entered a credit transaction with XXXX and associates. XXXX and associates has used abusive practices violating my privacy pursuant 15 USC 1692 ( A ). I never gave XXXX and associates ( third party debt collector ) consent to obtain any of my information. Pursuant 15 USC 1692 ( B ), a debt collector can not state this is an attempt to collect a debt. XXXX and associates has violated 15 USC 1692 ( C ) 1 by mailing my home between XXXX at an inconvenient time without my consumer consent. XXXX and associates has abused me by harming my consumer reputation, poorly affecting my credit score and worthiness and harming my chances of purchasing a home. Pursuant FCRA 15 USC 1681A ( 2 ). XXXX and associates used profane language in their letter sent to my home pursuant 15 USC 1692D ( 2 ). XXXX and associates repeatedly knowingly and willingly violated my consumer rights protected by FDCPA and FCRA. You will be held criminally liable pursuant 15 USC1640 and civically liable for all violations of 15 USC 1692K. Attached to this letter labeled is Exhibit A and Exhibit B shows proof of these violations. Also is attached an invoice for violating my federally protected consumer rights which is to be paid by check. Also as remedy, I demand this account to be immediately removed from all my consumer reports, from all consumer reporting agencies, and to be zeroed out immediately!
Product: Student loan

I started XXXX in 2008, and I received one loan for XXXX, and another loan for XXXX. My loan balance is XXXX, and I have 17 separate loans to XXXX University. I don't know who, or what I owe, at this point. I also would like to know, how did I get 17 separate loans? Is this even legal. I also was receiving up to 5 phone calls a day from the student loan provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2019 I found out that someone has been opening accounts with my personal information without my permission. I found out because I was checking my credit report before going to buy a new car and I saw accounts and inquiries that do not belong to me. I never opened any of those accounts and I never gave anyone permission to open them in my name. I have already filed a police report. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit nor am I affiliated with any of those companies in any way. I do not have any written/verbal contract with any of those companies and I never allowed them to run or view my credit file.
Product: Payday loan, title loan, personal loan, or advance loan

We secured a loan from XXXX XXXX for the purpose of renovating our pool, having been approved for a loan amount of {$75000.00}. Subsequently, we initiated the remodeling project. Unfortunately, our experience with the pool company engaged for the work proved to be highly unsatisfactory, leading to ongoing litigation due to their subpar craftsmanship and failure to fulfill their contractual obligations. 

Despite consistently making payments for a {$75000.00} loan to XXXX XXXX over the past 12 months, it has come to our attention that only approximately {$18000.00} has been disbursed for the renovation project. This disparity raises concerns, particularly as our payments have consistently reflected the full loan amount. 

Upon seeking the release of the remaining funds, which our credit line has been approved for and shows up under our credit report, we encountered an unexpected obstacle. XXXX XXXX insisted on obtaining permission from the pool company involved in the ongoing lawsuit before releasing the remaining funds. This stance appears both unreasonable and ethically questionable, given that the loan is in our name and the adverse circumstances with the pool company. 

We request a prompt and fair resolution to this matter, as the current situation is causing undue financial strain and hindering the completion of the renovation project as initially intended. Your attention to this issue is appreciated.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I notice an account was reporting inaccurately. I had a late payments on an account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. Ive attached a copy of a consumer report to this complaint in the following date XX/XX/year>. Im requesting you investigate and provide verifiable proof with records showing I have late payments. If this information can not be verified, i demand that these payments be updated to on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX TO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally request that you block and delete all accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Please find below the accounts and inquiries associated with this data breach : Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$130.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$540.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. UNAUTHORIZED COLLECTION Account Number : XXXX Date : XX/XX/XXXX Amount : {$540.00} Inquiries : XXXX CARD : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have disputed this numerous times with Transunion and every time they " update '' my dispute by vaguely adjusting a filed in the tradeline. It is ridiculous on how they break the law on disputes. Well a XXXX XXXX XXXX account was finally removed a a few months ago and then they added it back to my file last month. Never received any letter stating they would add it back. I am in a mortgage review and this is crucial and I am in a sense of urgency. I have submitted a ton of letters and reports and they never directly handle my request concerns. This needs to stop because it is dramatically affecting my credit score. I have attached my last dispute letter and faxed over all credit reports including the one from them showing the tradeline gone.
Product: Money transfer, virtual currency, or money service

We experienced 3 unauthorized withdrawels from our TD Bank checking account. On XX/XX/21 {$10000.00} and an additional {$1000.00} was transferred to XXXX XXXX XXXX On XX/XX/21 {$10000.00} was transferred to XXXX XXXX XXXX XXXX XXXX. The total unauthorized withdrawel was {$21000.00}. 
We do not utilized either of these online services.
Product: Debt collection

transworld systems inc. XXXX  XXXX  XXXX  XXXX  de. 19850 ( XXXX ) XXXX assigned date XX/XX/2020 has been sending me collection notices in the amount of {$50.00} the collection has been repoted as past due balance, i do not know this company. i have never done any business with this company. This company does not have a contract with my signature. i have not suppied proof under doctrine of estoppel by silence. engel v gravens ( mo ) 281 w 715, 719 i presume thst no proof of the alleged debt nor therfore any such debt in fact exists,
Product: Student loan

A loan balance transfer was sent to FirstMark from XXXX XXXX, effective XX/XX/XXXX. XXXX covered the total balance due amongst four accounts under FirstMark for a total sum of {$21000.00}. FirstMark called to collect a payment on XX/XX/XXXX and on XX/XX/XXXX saying there was a past balance due. After the XX/XX/XXXX call, I called them back and reported to them that I had sent over a loan transfer and that the balance should be paid in full. I then made a payment on XX/XX/XXXX for {$620.00}. On Monday XXXX I checked my FirstMark account and saw that the amount owed was {$0.00} and that all accounts were paid off. At this time, I was now owed {$620.00} because the initial {$21000.00} included upcoming payments for the month of XXXX. 

At XXXX I called FirstMark customer service and was told that the balance transfer went into effect on XX/XX/XXXX when XXXX initiated the payment. I asked the representative to credit me back the {$620.00} that I am owed. The rep did inform me that it takes 3-5 days to reflect back into the account I paid with. However, I received a notification from my credit monitoring service saying that I was delinquent on the four accounts with FirstMark.

I would like to see it that these four derogatory marks be removed from all credit reporting bureaus. The XX/XX/XXXX payment is noted in their system per the representative indicating to me on the call from XXXX. This is the true payment date and I would like to see FirstMark rectify this as soon as possible.
Product: Debt collection

I rented a unit at XXXX XXXX. While installing cabinets in the unit above me. They put a screw into a pipe that leaked down into my unit ruining the carpet. They never replaced the carpet When moving out, they tried to charge me for the carpet, and I refuse to pay. 
I emailed you all the evidence and action was taken removing the bill submitted by XXXX XXXX XXXX Now the exact same bill is up again under a different name fox collections After all my work and spending XXXX dollars to make copies and email everything to you what good does it do if these people resubmit under a different name
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint on be half of my self an no other. I sent XXXX XXXX a cease and desist got notice that they received it XX/XX/22. I never received noticed that I could dispute this debt. XXXX XXXX is ruining my reputation and damaging my character.XXXX XXXX shared this alleged obligation with the consumer reporting agencies. I sent this company a cease and desist and they are still communicating with me through transunion. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Due to this inaccuracy my reputation and character is being effected. Due to this inaccurate report I am unable to get a job. Now I can't obtain credit due to these companies tarnishing my reputation. I recently just got out of the hospital due to constant XXXX  XXXX. My doctor prescribed me XXXX to deal with my XXXX. This person ( debt Collector ) infringed upon my right to privacy by having a conversation with a 3rd party about me while I wasn't aware. 15 USC 1681a ( 4 ) .The consumer reporting agency is sharing erroneous info without first consulting with me the consumer. They have no proof that this transaction took place. If so send me the contract that took place between me and XXXX XXXX stating we are doing business. They are impartial because they allowed information to be reported while only hearing one side of the story. 15 USC 1681 ( a ) ( b ) the consumer reporting agencies did not meet the needs of commerce because this was not fair or equitable.15 USC 1681a ( d ) ( 2 ) exclusions from a consumer report transaction between a consumer and person making the report. This is identity theft.XXXX XXXX stole my identity and shared my private information with these CRA 's. XXXX is now CIVILLY LIABLE or willful noncompliance pursuant to 15 USC 1681n ( a ).
Product: Credit reporting or other personal consumer reports

collection account number : XXXX balance amount : {$350.00} XXXX  XXXX account number : XXXX opened : XXXX XXXX balance amount : {$390.00} XXXX XXXX XXXX account number : XXXX opened : XXXX XXXX balance amount : {$440.00} XXXX  XXXX account number : XXXX opened : XXXX XXXX balanced amount : {$330.00} XXXX XXXX  XXXX account number : XXXX balance amount : {$380.00} opened : XXXX XXXX XXXX account number : XXXX opened : XXXX XXXX balance amount : {$990.00} XXXX XXXX account number : XXXX balance amount : {$350.00} opened : XX/XX/XXXX 15 U.S.C 1681Q, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
Under 15 USC 1681B, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.
Product: Debt collection

XXXX XXXX XXXX billing did not bill US Dept of Labor, Office of workers Compensation for the XXXX transport charges resulting from an on the job injury. 
XXXX XXXX XXXX, billing under the name of BullCity Financial SOL, charge of {$800.00} was incurred as a result of an on the job injury. I have spoken with the company on numerous occasions to provide the online billing information that the US Dept of Labor office of Workers Compensation utilizes to remit payment. 
The previous company representatives were not competent enough to remit bill to DOL OWCP automated system. The new company took over XXXX XXXX XXXX. I submitted all of the DOL OWCP billing information to the new company to no avail. The representative assured me that the billing will be submitted. The charges are still showing on my credit report and I am not liable for the charges that DOL OWCP has assumed liability of. 
I also shared the DOL representative information to contact, if they needed assistance with the this. XXXX XXXX XXXX This billing has dragged on and I have been negatively affected on my credit for years due to their inefficient billing system.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent off a certified letter to the bureaus stating to make sure my credit report was 100 % updated and make sure all info was correct. 

the credit bureaus stated account name and number was properly investigation but how is that possible if open dates is inaccurate the date last active inaccurate and date last reported is not accurate.this ground for removal.they also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit report as well. 

XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

I had a Macy'sXXXX XXXX credit card XXXX I was signed up to receive electronic bills through my bank. Macy 's stopped sending bills to my bank after my XXXX 2015 payment, but they did not notify me that they were changing their billing procedures. By the time I realized that I had not been receiving bills, the account was 3 months past due. I contacted Macy 's. They had no explanation, except to say that they had problems with their system. I paid off the account and closed it. I then contacted the Macy 's credit department to ask if they had reported my account as delinquent. They had and I was told that there was nothing they could do about it. Fortunately, I have excellent credit and it does not appear that this reporting had a negative impact on my credit rating. However, I feel that this whole incident was Macy 's fault for changing their billing procedure without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : Legal Department I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) (  D ). The specific information is not accurate .XXXX XXXX XXXX Closed : XX/XX/XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. As well as The items that appear on my credit report as XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help! I noticed some fraudulent accounts on my credit report. They're hurting my score drastically. I have submitted a complaint with the Federal Trade Commission and need these accounts to be removed immediately. 
15 U.S.C 1681 Section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Under the law of section 695 of the FCRA, you have 4 days to comply. Thank you!
Product: Credit reporting or other personal consumer reports

This account is reporting negative on my credit reports but its reporting 100percent paid.