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

I disputed the following accounts on my credit report, as I do not recognize them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my dispute, the reporting agency failed to conduct a proper reinvestigation or verify the accuracy of these accounts, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), which mandates that the agency must investigate disputed information and remove it if it can not be verified within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX : {$34000.00}
Product: Credit reporting or other personal consumer reports

T o whom it may concern, I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. You are required to do what I am asking and block these transactions listed in my FTC report and letter attached. The identification of these transactions are stated in my FTC report and in my letter attached. You are required to block these transactions on my consumer report within 4 days of the receipt of this notice.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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  Please see attached documents
Product: Debt collection

After speaking with legal services, I was made aware that I assumed the debt and acknowledged that it's mine. I have not been provided with any bill, invoice, or hard documentation to show the amount that is due. From the numbers I was given by XXXX. I supposedly agreed to over $ XXXX gym membership. I am more than confident the number on that contract is closer to $ XXXX. That is with consideration to the late fees included. I was told that a copy of my contract has been requested. Im willing to pay what I owe and chalk this up as a life lesson in being too nice. But I'm only going by what I'm being told. I would like to see a bill/invoice that shows how a {$20.00} something a month, 2 year gym membership, turns into {$3500.00} after only $ XXXX XXXX in fees. I acknowledge the debt was sold to you for a cheaper amount. In XXXX last email. She mentioned contractS. I only signed one contract. My number, with late fees included at $ XXXX for a two year gym contract comes out to around {$1000.00} total. Not {$3500.00} or the {$2700.00} that I'm currently being asked to pay. I'm willing to pay what I owe. But I'm having a hard time understanding how the number more than doubled like this.
Product: Debt collection

My elderly father received a call in reference to someone looking for me in reference to the collection of a debt. I called the number ( XXXX ) XXXX. This number was for a company called BHA Services in XXXX. I spoke to " XXXX XXXX '' who was attempting to collect a debt from XXXX from something I am not aware of. I told him that if it was a XXXX XXXX XXXX debt, I had a bankruptcy in XXXX. I then told him that my credit is perfect and I owed no one anything and not to call me again. XXXX XXXX has since called my cell phone multiple times. He is now calling and harassing my work number repeatedly. I checked with my XXXX XXXX and they advise that all credit agencies report that my credit is excellent and that there are no delinquent nor unpaid accounts. I do not know what kind of scam this company or individual is attempting I take my accounts seriously and am tired of being harassed by this person. If I can not resolve this issue via your complaint services, my only option to end this relentless persecution will be to contact an attorney and pursue legal action. I am a XXXX XXXX  XXXX and have consulted my agencies white collar crimes who told me to begin documenting the dates and times of each call in order to provide documentation to my attorney to show a pattern of abusive behavior.
Product: Debt collection

Reported this agency to request documents on the authenticity. Its been more than 30days and my request for documentation ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello diversified consultants continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth diversified consultants has never responded to me. So how is expert an verifying this information. According to her phone call I had with a XXXX rep they count on the company to verify this info. That it self is wrong and against the law. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Debt collection

XXXX XXXX XXXX is trying to collect on debt not owed. We completed our lease and never signed any renewals. We were given a refund for deposit at the time we moved out. When asking XXXX at XXXX XXXX XXXX to provide copy of lease and full payment history she said she did not have to provide. I explained they have a billing error and she advised I had to discuss with XXXX XXXX but the collection agency is telling me to contact original creditor. This debt does not belong to me and is invalid. Both the collection agency and original creditor have been given over 120 days to provide validating documents and not one shred of evidence supporting the amount they are trying to collect has been provided. This need to be deleted from my credit and the account needs to be closed as this debt collection is invalid.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a large amount into my account and requested they deposit it back to my normal banking account but they told me my account have been deactivated. 
This have been going on for 3 weeks and I need my funds returned.
Product: Debt collection

XXXX XXXX is the office that I received the loan from, This account is not in bad debt but in good standing. I am complaining because if I am just a day late on the payment, they call me NON STOP and leave threatening messages. They also come to my house repeatedly and this payment that is owed is not even 30 days behind. I am tired of them harassing me, I didn't even know you could threaten people with suit and with seizing property unless you were pretty behind like 90 days? I mean not even barely a day late and the phone calls are non stop. They are so rude to me in the office and when they come to my house, they have done this since day one and all through Covid restrictions when people weren't supposed to be using debt collection practices. They send very nasty letters and text messages, they also send threatening voicemails.

They are breaking alot of rules at this place of business. I think they need to reevaluate their office rules and practices. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I used the XXXX plug in on the capital one app to purchase a car on XX/XX/2024 for XXXX dollars. Never received the car. Disputed it with capital one, they denied it citing XXXX terms and services. Told me to contact zelle for more details. I did. XXXX couldnt even access the transaction because it was through my financial institute not directly through them. Said they dont have access to my banking info. Told me because I paid for an item I never received, my bank would have some kind of purchase protection and to call my financial institution back and dispute it as item never received. I did. Claim was denied again. I reopened it after filling a police report. After being advised this was an unauthorized transaction since the person I was doing business with IS NOT the person the money was sent to. I do not know, nor have ever spoken to XXXX XXXX ( the recipient ). I was doing business with a man named XXXX XXXX. Provided details of report including detectives name and number. Claim still denied still citing zelle. I just got off the phone with XXXX and they just told me the same thing again contact capital one and the transaction was not directly through their app
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau continues to reporting inaccurate, outdated information on my credit, after multiple attempts of my disputes to Fairly report per FCRA. 

Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit score. I am being negatively impacted. 
The account below is being reported by XXXX XXXX : this account is past Account Type UNKNOWN Term Duration {$830.00} Date Opened {$830.00} Date Reported Date of Last Payment Scheduled Payment Amount XXXX Delinquency First Reported OTHER XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX RENTAL_OR_LEASING Debt Buyer Account XX/XX/XXXX Creditor Classification Charge Off Amount Balloon Payment Amount Date Closed Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX | XX/XX/XXXX Page 50 of 68 I understand that Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

In this case Experian is reporting unverified incomplete inaccurate information from a debt collector and has refused my request to provide investigation results or documentation proving accuracy. 


Please see attached credit profile from XXXX.
Product: Checking or savings account

I had closed my XXXX account expecting almost 40 dollars in interest as the balance was over XXXX dollars at .75 % interest. They claimed there was only XXXX cents interest originally, but then said they had mailed a check for the real interest in an email, then said they did not. I am a senior on XXXX and they took advantage of me. I can not even get through on the phone, tried many times. XXXX I want my almost 40 dollars in interest sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies are furnishing fraudulent accounts. I have no agreement with these companies and the agencies have no authority to report these acts. 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.

These accounts should not be furnished on my consumer report as they are a violation of Federal Law. Under 15 U.S. Code 1681b- permissible purposes of consumer reports ( a ) in general, subject to subjection ( 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 have never given written consent to report any of the accounts listed listed below and should be deleted immediately. You will also find my FTC affidavit attached with this complaint listing these same companies. 
XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXXXXXX XXXX  Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

they sold my mortgage to another company this being the 3rd time my account get sold to another company. Between the last two I had the issue. BSI is the people that sent the negative credit report.

1. BSI Financial Services 2. XXXX XXXX XXXX 3. XXXX XXXX  I had my account on auto pay and they didnt talk to me before reporting they said they tried to call and write letters. I never got neither. They werent able to communicate with me at all. 

Why would they sell account with auto pay connected I found out by accountant running my credit score. He provided me with report I contacted XXXX and payed full past due amount and the following mnth as well and set up autopay again bsi financial is the company that reported it I havent really getting much help on this from none of the companies
Product: Credit reporting, credit repair services, or other personal consumer reports

My school loans are reporting 90 days late in XXXX from each Credit agency. How can they be 90 days late in XXXX when XXXX and XXXX are reporting OK and paid on time. Please Delete the inaccuracies accounting to the fair credit act. 

Accounting to the U.S Government, the school loans have been on pause through XX/XX/XXXX.
Product: Debt collection

debt company agreed to remove from credit report once paid in full. Debt paid, but company still reporting debt. Please remove debt per agreement. I have a whole new walmart card. if XXXX approved me for a new credit card why are you reporting an old account, that erc agreed to remove once paid.
Product: Debt collection

On checking my credit report, I have been working with XXXX XXXX XXXX XXXX ( XXXX-Acct XXXX ) on paying off the debt since XX/XX/XXXX. I enrolled a total of 13 accounts with ( FLLG ). Accounts enrolled : XXXX XXXX XXXX XXXX XXXX XXXX ( Paid as Agreed XX/XX/XXXX ), XXXX XXXX XXXX ( Paid as Agreed XX/XX/XXXX ), XXXX XXXX  ( Paid as Agreed XX/XX/XXXX ), XXXX ( Paid as Agreed XX/XX/XXXX ), XXXX XXXX XXXX  for {$820.00}, XXXX XXXX for {$370.00}, XXXX XXXX XXXX for {$1200.00}, XXXX XXXX  for {$430.00}, XXXX XXXX XXXX  for {$620.00}, XXXX XXXX XXXX for {$570.00}, XXXX XXXX XXXX for {$560.00}, XXXX XXXX XXXX for {$500.00} & XXXX XXXX XXXX for {$1500.00}. I noticed that the same accounts in which the companies were notified ( XXXX XXXX XXXX ( XXXX ) ( on XXXX ) XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, & XXXX XXXX XXXX XXXX ( on XXXX only XXXX that I turned into ( XXXX ) to be paid is still on all three of my reports as collections. I have alerted the different companies several times that XXXX XXXX has the accounts and that they should contact them for payment. I even gave the companies the phone number to call. I pay ( XXXX ) every two weeks for these accounts and I feel like if I am attending to the accounts why are they showing up as collections. I will not be paying ( XXXX ) and then paying the collections companies too and they clearly have all of these accounts. Another problem is when the accounts are paid off how they are listed as being paid off on the credit reports. If I have XXXX paying these accounts off, why are they not listed as Paid as Agreed with a zero balance? If the accounts were settled through a company that I am paying, and they are being paid on time and as agreed with zero balance then why does it not state that on my credit report?
Product: Money transfer, virtual currency, or money service

Issues with zelle associated with XXXX  XXXX XXXX when it comes to domestic zelle transfers. As well as limited protections when it comes to scams and frauds. With a reluctance on XXXX  XXXX XXXX part and zelle to have added protection and assistance with said matters.
Product: Money transfer, virtual currency, or money service

I seen a Article on XXXX  XXXX XXXX XXXX backhoe loader for {$13000.00}. So the seller told me that she have someone to handle this transaction for her. She told me that it's no need for he to be involved. Because she hired a XXXX XXXX to handle everything concerning the sell between me and the seller. She told me that XXXX XXXX are going to send a ESCROW AGREEMENT to sign. XXXX XXXX told me they only accept wire transfer only. I ask them does this {$13000.00} include the Shipping as well. I did my wire transfer on XX/XX/XXXX. XXXX XXXX told once the wire clear. They will ship the XXXX XXXX XXXX and will be there on XXXX/XXXX/XXXX. So I waiting for the XXXX XXXX  XXXX on XX/XX/XXXX I call XXXX XXXX ask them where is the XXXX XXXX  XXXX. XXXX XXXX told me that they had other heavy Equipment to be deliver they had a problem with one of the deliver. So XXXX XXXX change the deliver date on XX/XX/XXXX. So waiting again for the XXXX XXXX XXXX. I tried calling them to ask them about the XXXX XXXX XXXX no one would answer my call. So call my bank about this my bank open a Claim # XXXX to call the wire transfer bank on my behalf to attempt recovery the funds.
Product: Credit reporting or other personal consumer reports

their is a lot of inquires on my credit reports that don't belong to me Experian, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need that consumer reporting agencies exercise their grave responsiblites with fairness, impartiality and respect for the consumer 's right to privacy.

I demand of all personal information from my consumer credit report with the exception of : 1. My full name as it appears in state identification : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  nc XXXX Please delete all other addresses, I can not receive mail or any correspondance nor do i have any access to any of these addresses please delete any outdated address and update with one above My only phone number is XXXX delete all other phone numbers I demand any socialsecurity number any date of birth be removed from being displayed on the credit profile for privacy reasons. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ) I am a federally protected consumer and have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus several times and requested removal and deletion of these accounts and they have not. 
I am writing to formally request that the following accounts be blocked and permanently deleted from my credit report, as they have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. The accounts in question are : 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 XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act : 15 U.S.C. 1681, Section 602 ( a ) This section ensures my right to privacy.

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) This section prohibits any consumer reporting agency from furnishing accounts without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) No consumer reporting agency may include any adverse information, except records of criminal convictions, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) This section states that no person may furnish inaccurate information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate.

The listed accounts have violated these provisions, infringing upon my rights to privacy and confidentiality. I am formally requesting that these accounts be blocked and permanently removed from my credit report in accordance with the law.

Please confirm the deletion of these accounts in writing. Should you require any further information to expedite this process, feel free to contact me directly.

Thank you for your prompt attention to this matter.