23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A representative of XXXX XXXX ( TCN ) told me that XXXX will provide me with {$8200.00} for XXXX XXXX XXXX to XXXX XXXX bridge Program. The amount in question was never paid to me but XXXX upon this promise started withdrawing {$180.00} monthly from my bank account for 18 months for a total of {$3200.00}. Through the 18 months period, XXXX only paid a total of {$220.00} for only one test on my behalf for just one test. However I withdrew from the program because I realized the School was not accredited therefore will not help me pass the XXXX XXXX degree. Subsequently, I got calls from collection agent by name XXXX XXXX XXXX XXXX on behalf of XXXX to pay the balance of {$4100.00} and I refused so they took me to Court. On the day of the hearing I was in the Court but XXXX XXXX XXXX XXXX did not show up so the Judge dismissed the case. XXXX XXXX XXXX went ahead and sued me for the second time. I was represented in the court again for the hearing but before the Judge will release her verdict, XXXX XXXX XXXX XXXX withdrew with a motion of " non suit ''. ( see copy of Court Order ). 
During this time I file petition against XXXX through office Indiana Attorney General Office against XXXX. Following the Attorney general inquiry, XXXX agreed to ( 1 ) give me credit for the {$3200.00} it withdrew from my bank account. ( 2 ) XXXX instructed XXXX XXXX XXXX to stop their collection activities from me ( see copy of release agreement from XXXX ). 
After I thought that the problem was resolved, I started receiving collection calls from another collection agent by name Lockhart, Morris , & Montgomery Inc. for the same case. I wrote a letter dated XXXX XXXX, 2014 ( see copy ) to Lockhart, Morris & Montgomery on all that transpired on the matter and told them to refrain from contacting me but they did not stop rather they put the said amount into my credit record since 2014 as a negative credit report. I have called the collection agent to remove the {$4100.00} negative report from my credit history and record still they refused and that is the reason I am petition against them through you to help release me from the stronghold of this collection agent by compelling them to remove this negative report from my credit record.
Product: Credit card or prepaid card

The TARGET/TD with account number XXXX appears to be a charge-off account with a specific balance of {$2600.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Product: Debt collection

I went to a clinic when I was XXXX to have a XXXX. My dad went with me and when he asked the receptionist what it cost, he was told {$20.00}, which he paid. A few months later my step mom, who was not there at the time, starting getting letters saying she owed {$140.00} for this XXXX  ; she was never there and never signed, so she responded to them repeatedly and then they started sending me letters saying I owed it. At the time I was still XXXX and told them that they could not place this debt on me, and that I was with my dad when he was told it was only {$30.00}. And all he signed was a receipt. These people will not stop harassing me and telling me I have to pay or they will put a judgement against me ; I am still in XXXX XXXX. I just turned XXXX One month after this XXXX. They keep sending me threating letters and I keep disputing it and they leave me alone for a few months and then they start all over again.
Product: Credit reporting or other personal consumer reports

I have reported multiple times of things that were reported without my authorization and requested those accounts to be removed. They still remain on my report without proof of substantiated validation. I demand all negative inquiry accounts reported to be removed within 10 days of this notice to prevent further litigation. In addition, according to Title 18 U.S.Codes, I can't possibly owe any debt. Thus, violating my consumer right to privacy pursuit to Title 15 USC 1681 ( b ) ( 2 ), and Title 15 USC 1681 ( 4 ).
Product: Money transfer, virtual currency, or money service

I recently to my local XXXX to cash a retirement distribution check in my name from XXXX in the amount of {$880.00} and was denied twice. The reason on the denial slip said " We're sorry, but we are unable to proceed with your transaction. Our decision was based in whole or in part on information obtained Certegy Check Services XXXX XXXX ( XXXX ) '' The slip went on to say that I have " a right to obtain a free copy of your information held in XXXX 's file '', which I did on XX/XX/2023 and received today. The only XXXX inquiries shown on my file disclosure were the XXXX attempts to cash my retirement distribution check at XXXX and the " Not Authorized - Reason Below '' Recommendation to client. The reason definition states : This transaction received a decline recommendation from XXXX because it did not meet the acceptance guidelines, which XXXX vary by check cashing location and transaction. Factors may include a combination of : the check number, dollar amount, check cashing history, or other transaction details. So, I still received no new information or more clear reason for the denial of my check cashing request. I also have no Outstanding Items or Resolved Items listed on my file disclosure, so I am very concerned and confused as to why I was denied the ability to cash my check.
Product: Credit reporting or other personal consumer reports

I am requesting all of the following from your agency : 1. Name and address of alleged creditor : 2. Name on file of the alleged debtor : 3. Alleged account # 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date ( this alleged debt became payable ) : 7. Date of original charge or delinquency : 8. Was this debt assigned to a debt collector or purchased? 
9. Amount paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : - Agreement with your client that grants ( creditor ) the authority to collect this alleged debt - Signed agreement debtor has made with debt collector, or other verified proof Debtor has a contractual obligation to pay Debt Collector - Any agreement that bears the signature of debtor, wherein agreed to pay Creditor. - All statements while this account was open - Have any insurance claims been made by any creditor regarding the account? Yes or No Have any judgments been obtained by any creditor regarding this account? Yes or No? 
Please provide the name and address of the bonding agent for ( WELLS FARGO ), in case legal action becomes necessary : Authorized Signature of Creditor :
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, What company, entity, or organization is engaging in conduct you believe violates the antitrust laws? 
XXXXXXXX XXXX and Credit Reporting Bureaus How do you believe this entity may have harmed competition? 
XXXXXXXX XXXX  sold several accounts to other Mortgage institutions, which closed the old accounts of several mortgage holders ( me being one of them ) and transferred them to the new mortgage company. 

As a result, it was reported as a closed account to the credit bureaus, which caused my credit score to drop an average of XXXX points. The same is happening for people who sell their homes. With lower credit scores, people now have to acquire less favorable interest rates and terms on new loans and have their existing creditworthiness come into question by other creditors on their files. 

What is your role in the situation? For instance, are you a customer, competitor or supplier? 
My mortgage loan was transferred from XXXXXXXX XXXX to XXXX XXXXe XXXX XXXX. The XXXX XXXX was reported as 'closed, ' which caused my credit score to drop by XXXX points. I am in the middle of applying for a second home loan and was told that my rates will dramatically change with a XXXX point drop on my score. 


I contacted both XXXX XXXX and all credit reporting Bureaus and was told that there is nothing they can do. According to 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, the Accuracy and fairness of credit reporting is manipulating and " directly impair the efficiency of the banking system. ''
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX U.S. CXXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX U.S. Code XXXX ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disappointed with these credit bureaus, XXXX, XXXX, and Transunion. I sent them dispute letters for several times concerning the inaccurate information on my credit report. However, XXXX, XXXX, and Transunion have ignored my previous request and failed to maintain reasonable procedures in their procedures to assure the maximum possible accuracy in the credit reports they publish. I never received a response nor investigated the inaccuracy on my credit report
Product: Money transfer, virtual currency, or money service

My friend, named XXXX XXXX, asked me to exchange money. He couldn't add his bank information to Paypal account and he needed money there to purchase tickets. He said that he sent me the wire at the same time I sent him money through Paypal. 

He scammed me. The money was never wired to me. I reached out a few times but haven't heard anything back. I have conversations saved and can provide as a proof. 

The money was sent from my Paypal account ( XXXX ) to his account XXXX XXXX ( XXXX ) on XX/XX/2020 in the amount of XXXX EUR. 

Before he scammed me, he sent me his bank information : XXXX XXXX IBAN XXXX BIC XXXX Account Number : XXXX NSC : XXXX Please help me out.
Product: Credit reporting or other personal consumer reports

My Experian and XXXX credit reports arent being updated, please add my current address to my credit report so that my credit report can be updated. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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. Here are the concerned Inquiries that needs to remove : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I would like to file a complaint against JP Morgan. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX  XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
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 : Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Information on My Credit Report I am writing to formally dispute the following account that is inaccurately reported on my credit report. The account in question is XXXX XXXX XXXX XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) and 1681 ( b ), I have the right to dispute any inaccurate or incomplete information in my credit report. Additionally, 15 USC 1666 ( b ) requires creditors to investigate disputes regarding billing inaccuracies. I believe this account is being reported incorrectly and is negatively impacting my credit score.

Currently, this account is showing late payments and a charge-off status each month, despite having no current due date. This misinformation is misleading and is affecting my ability to secure credit. According to 15 USC 6802 ( b ), my personal information must be handled responsibly, and the continued reporting of this inaccurate account is in violation of my rights. 

I kindly request that you investigate this matter and remove the account from my credit report. I have included copies of any relevant documentation that supports my claim. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX