23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have filled a dispute several times through equifax explaining that this is not my debt. I don't live in XXXX.. I live in XXXX. I requested the company send proof of this and the only thing they can send is an invoice. No letter showing that I may have  acknowledged this debt or taken responsibility of this. I have no unpaid medical bills. This is clearly fraud. I refuse to pay for something I didn't do. My next order of business is pursuing legal action. I would rather pay a lawyer to sue you for pain and suffering than to pay for something fraudulent. This only shows on my Equifax credit report and Equifax is agreeing with the company on this bogus proof or debt they are providing. Is equifax an accomplice? I am happy to add them to the lawsuit as well.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to EQUIFAX for still allowing the fraudulent accounts on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Credit reporting or other personal consumer reports

I am still receiving emails saying I am helping credit repair companies, which is not true. I send out the letters myself. 

Please fix this immediately, or I will have to take legal action. 

Here is the list of negative accounts and inquiries I want removed. 

XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/year> XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/year> TransUnion : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/year>
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX XXXX XXXX XXXXXXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Money transfer, virtual currency, or money service

Zelle did not instruct me of the scams that are happening
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : LATE PAYMENT XXXX XXXX XX/XX/XXXX {$3100.00} Credit Card XXXX XXXX XX/XX/XXXX {$0.00} Charge account XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} Credit Card XXXX XXXX XX/XX/XXXX {$480.00} Credit Card XXXX XXXX XXXX XXXX XX/XX/XXXX {$20000.00} Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$680.00} Individual XXXX XXXX XXXX XXXXXX/XX/XXXX {$1200.00} Credit Card XXXX XXXXXXXX XX/XX/XXXX {$1000.00} Credit Card XXXX XXXX XX/XX/XXXX {$1300.00} Credit Card XXXX XXXX XXXXXXXX XX/XX/XXXX {$2100.00} Credit Card XXXX XXXX XXXX XX/XX/XXXX {$6800.00} Credit Card XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. I was never late in XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for anu purpose. I request to have this account updated to paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  report inaccurate balance. XXXX XXXX  credit card is a XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXXXXXX -Date Opened XXXX BALANCE {$0.00} XXXX  XXXX # XXXX Opened XX/XX/XXXX - BALANCE {$8400.00} XXXX XXXX XXXXXXXX Opened XXXX BALANCE {$7900.00} XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX - BALANCE {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened XXXX BALANCE {$37000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX - BALANCE {$13000.00} XXXX XXXX XXXX XXXX XXXXDate Opened XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX - BALANCE {$6100.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I keep receiving repeated calls from the number XXXX. I answered the phone once when they called and nobody spoke. I looked on the internet and it says they are a collection agency. They call my number twice a day everyday and have continued calling me for the past two months.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors have violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681, section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft by a collection company called XXXXXXXX XXXX XXXX and now by the Credit Bureaus Transunion LLC, I sent a copy of my identity theft report, a copy of my social security card as proof of my identity, plus proof of my current address. I requested that the consumer reporting agencies place an immediate block on the following fraudulent information ( documents attached ) in my credit file within 4 days upon receipt of my correspondence, and they ignored my request. 

I filed a complaint with the Attorney General as well. 
( Attached ) all documents sent in support of my claim ( attached ) Opportunity to cure letter ( attached ). 

why the Consumer Reporting Agencies wants to take advantage of consumer rights, they don't care and just violate the FCRA law day by day. They do what ever they want with your consumer report and No one stops them.
Product: Credit card

Capital One has inaccurately reported the following months late on my credit reports. 
XXXX reported XX/XX/XXXX and XX/XX/XXXX. 
XXXX reported XX/XX/XXXX and XX/XX/XXXXXXXX reported XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXBalance {$0.00} XXXX-Balance {$0.00} XXXXXXXX****-Balance {$0.00} XXXX XXXX XXXX***-Balance {$520.00} XXXX****-Balance {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion consumer reporting company violated XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies XXXXXXXX XXXX XXXX XXXX XXXX  ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full and on time and never late. You are showing late payment history on an account that was never late. Please remove the late payments from this account because it is inaccurate. The account was paid, and the creditor did not report accurately. 
XXXX. XXXX XXXX  ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was settled and should not appear on my credit report as owing a balance. You can not report a charge off when an agent of the creditor accepted payment for this account. Please provide written information XXXX XXXX  stating they did not accept payment in full for this account. 
XXXX. XXXX  XXXX XXXX Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid in full as a chargeXXXXoff is damaging to a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm this account was paid in full as agreed. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid in full as a chargeXXXXoff is damaging to a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm this account was paid in full as agreed. 
XXXX. XXXX XXXX ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid in full as a chargeXXXXoff is damaging to a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm this account was paid in full as agreed. 
XXXX. XXXX XXXX XXXX XXXX  XXXX ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language Charge_off to describe a paid in full as agreed it damaging to a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm this account was paid in full as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase bank account Account number : XXXX, checking account. 

To provide a context : I had 3 sole account and 1 join account.

Two issues : - The bank has broken confidentiality about my finances by sharing my whole bank accounts information ( balance, all transactions, all other information ) with the co-holder of my join account. They can share info about the join account but they should not share the information of my sole accounts. I already notified them last month and they promised they were going to sort it out. And today, they share the whole information again. Before was a mistake, this time seems to be in purpose. 

- They are refusing to send me a separate bank statement for each of my bank accounts. 

- I contacted them many times about those issues but they seem to be ignoring my requests. I think this may be a case of discrimination as they keep on ignoring my request only. 

Kind regards XXXX XXXX XXXX XXXX
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. They did not provide me with the original contract as requested.
Product: Debt collection

On XXXX XX/XX/2023 RFGI ( Rozlin Financial Group, Inc. ) Collections emailed me claiming that I have a past due balance of {$120.00} for an XXXX account. 

To the best of my knowledge and records, I have never opened an XXXX account nor held an XXXX account. 

I responded to RFGI 's email on the same day ( XXXX XX/XX/2023 ) telling them they were in error, that no such account exists or existed, and that further efforts to collect on this fraudulent claim may be considered in bad-faith and result in appropriate legal action. 

On XXXX XX/XX/2023, RFGI Collections emailed me again, still claiming that I have a past due balance of {$120.00} for an XXXX account. 

Neither email listed a contact phone number, so I looked them up on XXXX and called them directly at ( XXXX ) XXXX. They refused to give me information unless I gave them my name. Wary that this might be a phishing scam, I refused and offered instead to give them my email address which they used sent the alleged notice to. They refused to look up the issue with that information. 

I then hung up and responded to the email demanding that they verify the debt in accordance with 18 USC sec. 1692g ( b ).
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$940.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit reports XXXX XXXX, Experian, XXXX and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX  XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Experian received a formal Dispute Letter via certified mail from me requesting they validate all of the attached accounts per the criteria of the Fair Credit Reporting Act. Where in which I also requested proof of their methods of Investigation, which they did not provide. No proper verification was made. No Contracts, recordings, e-signatures or anything was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$320.00}, XXXX XXXX XXXXXXXX Balance {$820.00}, XXXX XXXXXXXX Balance {$150.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}.
Product: Mortgage

RE : Additional Fees in amount $ 250.00Time and time again I am continuously filing a complaint again BANK OF AMERICA HOME LOANS. 
I am fortunate enough to have an outstanding program like SAVE THE DREAM to nurture my frustration ; however BANK OF AMERICA is continuously trying to abuse the system. I was informed by my counselor ( XXXX XXXX ) at working in our neighborhood that I must monitor all payments. Before applying for service I was informed that working in our neighborhood/Save the Dream would contact my mortgage lender ( Bank of America ), for the total amount including attorney fees, pass due fees etc. This would have me current and up to date on payments! WELL THAT IS NOT THE CASE! Bank of America provided the total dollar amount to Save the Dream to have me current in the amount of {$17000.00}, for XX/XX/XXXX, however Save the dream was billed {$18000.00} which was paid to Bank of America. I received an additional statement from Bank of America for the month of XX/XX/XXXX in the amount of {$1400.00}. The XXXX prior payments have the following : Additional Charges Overdue payments, fees and charges for XX/XX/XXXX {$330.00}, XX/XX/XXXX {$330.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$250.00}, and XX/XX/XXXX for {$250.00}. 

When I notified Bank of America customer service department transferred me to their foreclosure department who informed me that those additional fees are for attorney fees, foreclosure fees etc. I informed her that those fees were included in the payoff amount to get me current. Needless to say nothing was resolved! I believe that BANK AMERICA is abusing the system/program and need to beinvestigated. The following document is my current mortgage statement. Also I have listed some of my current complaint claim number below : Attorney General # XXXX ( Fiscal XX/XX/XXXX ) Federal Trade Commission CLAIM # XXXX Attorney General claim against Countrywide Home Loan XXXX # XXXX Consumer Financial Protection Bureau Case # XXXX Federal Trade CommissionXX/XX/XXXXI called Bank of America because I did not receive my XX/XX/XXXX statement, however they informed me that XXXX payment has been made and my next payment is not due until XXXX XXXX, 2015. I informed XXXX at Bank of America that I still would like my XX/XX/XXXX statement. I called Save the Dream and spoke with XXXX who informed me that they have made my payment to Bank of America in the amount of {$1100.00} and the additional {$250.00} for XX/XX/XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

American first finance i have a fraud with a balance {$1000.00} I want to remove that from my account because I have never have account with american first finance. it's coming out in my credit. PLEASE REMOVED THAT ACCOUNT THANK YOU this is my contact number XXXX and my email is XXXX My adress XXXX XXXX XXXX XXXX nj XXXX XXXX
Product: Debt collection

I learned about this debt after being denied at an apartment complex. It was ran by XXXX and I was denied because XXXX XXXX has turned over debt to national credit. I am not sure who owns this debt. The debt is inaccurate. XXXX XXXX owes me money and refused to provide proof of the costs. XXXX XXXX simply told me this would follow me. This debt through XXXX XXXX  does not appear on the traditional credit bureaus. XXXX XXXX NEVER PRODUCED A INITIAL LETTER WITH MY RIGHT TO DISPUTE. I went through the XXXX ( See attached letter as this is what I want addressed here ) and all they gave was an unresponsive and generic response. They need to remove this and send me an initial letter giving me a chance to dispute. Ive sent them emails. They dont respond. Or return phone calls or messages. The XXXX time they called me was around almost XXXX in the morning which is a violation in its own self. I want the attached letter answered. I will not stop until thats done whether through this means or a regular lawsuit or a class action.
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied for a refi on our home and was questioned about the report from XXXX that appeared to be two missed payment on XX/XX/XXXX and XX/XX/XXXX. I manually subtracted the amount paid from XX/XX/XXXX to XX/XX/XXXX the balance amount is correct but the columns don't indicate payments. This error could have and may have effected the amount that I was charged to finance my loan. As this was shown as missed payments. I contacted XXXX and they reported a XXXX missed payments and sent a letter of verification to me on XX/XX/XXXX. All three credit reporting services should be notified, Experian, XXXX, XXXX and XXXX XXXX XXXX and any other lending companies involved in this loan.
Product: Credit card or prepaid card

I applied for an XXXX XXXX online and I received an e mail asking me to provide my personal information so they could tell me if my application for this credit card was approved or not. I fell for this scam e mail and I gave this hacker my social security number, my zip code and my birth date. There has been no fraudulent activity on my accounts as of yet, but I'm sure there will be soon as this hacker now has the last XXXX digits of my social security number as well as my birth date. This is why I am reporting this. Thank you and I hope you can help me.