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

Whom It May Concern at the CFPB, I am submitting a complaint regarding a collection account reported by Equifax from XXXX XXXX XXXX. This account, listed as an open collection with a derogatory rating and a balance of {$1100.00}, has negatively impacted my credit report. 

Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$1100.00} Status : Open Collection/Late 120 Days Summary of Issue : Equifax is reporting this debt from XXXX XXXX XXXX despite my lack of any business relationship or account with this company. I am not liable for this debt and have no records of any transactions with XXXX XXXX XXXX. I have disputed this with Equifax, but the report has not been corrected. 

Requested Resolution : To resolve this issue, I am requesting that XXXX XXXX XXXX have Equifax : 1. Remove this unverified collection account from my credit report, as no validation or documentation proving my liability has been provided. 
2. Ensure no further reporting of this inaccurate debt on my credit report. 

Thank you for your attention and assistance in this matter. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive never had a contract with XXXX XXXX and XXXX unaware why or how you have my personal information. I never received a disclosure to opt out of sharing my personal information with you. I do not give you permission to add this alleged debt to my credit report. Please forward the alleged contract between us to verify this alleged debt is accurate. You have a grave duty to verify that this information is accurate since it bears against my credit worthiness. You have XXXX business days to respond to this letter with the requested contract to verify this alleged debt between me and you, XXXX XXXX. If you choose not to comply, then you choose to break the laws set forth by Congress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to removed an inaccurate account on my credit report. I pulled all three reports together, and they are listing different amounts and MORE. 

Transunion is listing XXXX XXXX XXXX As an OPEN ACCOUNT, This is false. 

XXXX is Listing this account as a different Account XXXX XXXX  unfder a different Debt Recovery name, and also listing this as a collection, with a different amount balance, and date last active are completely different than the other reporting agencies and information, this is all completely inaccurate. 

The Balance is incorrect and inconsistent with the other reports it is on, while being listed as closed on those bureaus reports. 

The Date Last active, and Date Last reported are also VASTLY different from on another. 

This is an updated report taken today. 

There are more than three incorrect and inaccuracies on my report. 

You need to remove this account immediately as I have a legal right to a current and up to date and ACCURATE report. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX account approximately 10 years ago. XXXX 's agreement with their finance company expired so they re-opened an account on XX/XX/2022 which impacted my average age of my credit cards which then impacted my credit score as the age went from 10+ years opened to 6+ months opened. I tried to resolve with XXXX but they said they couldn't update the original credit open date. I closed my accounts with them but it still negatively impacted my credit score.
Product: Debt collection

I'm disputing some accounts due to identity theft ; they weren't opened by me, and I've never benefited from them. You must remove these fraudulent accounts promptly to comply with the law, or I'll have no choice but to take legal action against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Address on my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX VIA XXXX XXXX XXXX Date : XX/XX/2018 I did not authorize this car dealership to run my report. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. If you have no proof I would like it removed immediately.
Product: Credit card or prepaid card

AFTER EVERY PAYMENT MADE, CITI CREDIT CARD LOWERS THE CREDIT LIMIT SO THE CARD IS ALWAYS SHOWING AS MAXED OUT. RECENTLY MADE A PAYMENT OF {$500.00} WHICH WAS 1/3 OF THE TOTAL BALANCE TO HAVE THEM AGAIN LOWER THE CREDIT LIMIT SO THE CARD IS AGAIN SHOWING AS MAXED AND IS REFLECTING NEGITIVILY ON MY CREDIT REPORT AS A RESULT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX I was involved in an automobile accident. I went to the ER of XXXX Hospital located in XXXX XXXX New Jersey. 

OnXX/XX/XXXX I received a notice by a credit monitoring service I had a delinquent notice of {$75.00} placed on my credit report by a company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ I called XXXX XXXX and was told the {$75.00} was a portion of a bill my insurance company did not cover from my auto accident on XXXX XX/XX/XXXX. I told the rep I never received a bill from the hospital. It appears the bill went straight to collections. The rep told me they had sent a letter in XXXX of XXXX to a previous address I had on file. I moved from that address XXXX of XXXX and notified the post office of my move. I do believe the post office forwarded my mail another 6-12 months after the move. I never received another bill from XXXX Hospital. I told the person on the phone I would dispute the claim of owing any monies toward the ER visit. 

On XXXX XX/XX/XXXX I called XXXX XXXX to inquire more about what department I needed to contact within the XXXX Hospital to find out why I never received a bill and how the bill went straight to collections. The rep said they could not provide me with their clients information. I needed to locate the information on my own.I contacted XXXX Hospital that has been renamed to XXXX Hospital. Because of the length of time since the hospital visit the hospital would not be able to provide me a description of charges. I was given another phone number for XXXX XXXX. 

I called that phone number and was told since I never received the bill they would remove the debt off of my credit report. The rep on the phone said the debt should have never went on my credit report because I never received the notice for the attempt to collect the debt. 

I find XXXX XXXX debt collections questionable.

1. I never received the debt collection letter but the debt still went on my credit report. By the admission of the rep for XXXX XXXX the debt should not have been put on my credit report due to me never receiving the letter notifying me of the debt. 

2. How can XXXX Hospital send a debt to collections without even notifying me of a debt. Then when I try and get a copy of the debt in question XXXX can not provide me with a breakdown of the debt.

3
Product: Credit reporting or other personal consumer reports

EQUIFAX, XXXX, and XXXX are all in violation of my consumer rights by reporting bankruptcies on my consumer report without having permissible purpose to do so and without ACTUALLY doing their job according to the FCRA. The law clearly states that they must follow strict guidelines and procedures to ensure that all reports are the same and 100 % accurate. Keep in mind they are contractually obligated to accurately maintain my consumer files and reports. The U.S. government entered into an agreement by allowing them to assume the role of maintaining our consumer reports ( 15 USC 1681 ( a? ) ( 3 ) ). They have greatly harmed my banking abilities which are critical in order for my to attend to my everyday course of business as a consumer which includes my household purposes ( 15 USC 1681 ( a ) ( 1 ) ). Pursuant to 15 USC 1681 ( a ) ( 2 ) my reputation has been harmed, and my character has been assassinated. Pursuant to UCC 1-201 ( 1 ) ( 2 ) as the aggrieved party I am allowed to take action and pursue remedy for the violation of the agreement which was made with congress and myself to perform their duties. Each credit reporting agency named above has failed to do so. Each Credit reporting agency has stated that the furnisher has validated the information being reported. The furnisher was reported to be the courts but I have already submitted documentation from the courts that says that this statement is false and misleading due to the fact they do not furnish data. Then each agency said that XXXX a secondary reporting agency furnished the data. XXXX has provided documentation stating this to also be a false and misleading statement. This is a clear violation of UCC 9-506. 15 USC clearly outlines how my consumer report is a critical instrument used in the banking system to allow myself an investor in this banking system access to my XXXX given right under our constitution as a natural person to credit. It is imperative that this financial report which illustrates my credit worthiness to the banks is 100 % accurate. My consumer files are my real property and the consumer reports are fixtures so related to my real property. This is why as the transmitting utility the accuracy of filings ( my consumer files ) are of the utmost importance to me ( UCC 9 -102 )
Product: Credit reporting, credit repair services, or other personal consumer reports

i didnt authorize a hard pull on my credit from XXXX XXXX XXXX XXXX  or XXXX  XXXX, i would like those hard inquiries removed please.
Product: Payday loan, title loan, or personal loan

I contacted the company on XXXX  and explained that I could not continue with payments. 

The representative I spoke with gave me two options. She stated that I could pay off a settlement which is thousands of dollars I do not have ( because I am going through financial difficulties ) or they could cancel my automatic payments which if not paid by the due date would show as delinquent and report to the credit bureaus. 

I asked the representative for a supervisor and he repeated the same thing. The company is preying on those in bad financial situations. They either want to to come up with thousands of dollars to pay off a settlement in 30 days or have your credit harmed due to not being able to pay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX PH : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Debt Validation Request for Account # [ Account Number ] Dear, XXXX XXXX XXXX XXXX I am writing regarding a notice I received concerning an alleged debt in the amount of {$350.00} associated with my account number. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request that you provide full validation of this debt. 

Please supply the following information : 1. The name and address of the original creditor.

2. A detailed accounting of the alleged debt, including the amount and how it was calculated.

3. Copies of any agreement that you claim I have signed or that shows I am obligated to pay this debt.

4. Verification of your legal right to collect this debt on behalf of the original creditor.

While this information is being investigated and verified, I request that you cease any and all collection activities related to this matter. Additionally, please do not report this debt to any credit reporting agency until it has been properly validated. 

I would appreciate your prompt attention to this matter and request that you respond within 30 days, as required by law. Failure to provide adequate validation of this debt will result in my exercising my rights under the FDCPA to dispute this debt. 

Thank you for your attention to this request. Please send your response to the address listed above. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is the wrong information disputed on my credit report. Accounts are reporting in errors
Product: Debt collection

From XX/XX/year> until now I have been contacted XXXX times by email and once by mail. I have pictures and screenshots of the fraud. They have stated XXXX different original creditors for the same amount. This was already removed from my credit report and I am being harassed. They have also waited past the limitations to contact me
Product: Credit reporting or other personal consumer reports

I was a victim of a natural disaster Hurricane Ian in Florida, my home was torn down and we were forced to vacate and live out of a hotel almost for months. The creditors were advised of happened and the situation about my home. They have been working with me up until recently. I advised once my insurance claim is taken care of since I have had to pay everything out of pocket everything will be paid. No problem. But all the creditors have reported my accounts as charge offs and not as Natural Disasters as that would not affect me like they have it reporting and I have disputed over and over, with the creditors and agencies, I have sent all the required documents in the mail as stated. They confirmed receipt of everything including the court information related to the Hurricane. I am asking that they fix my reports so that the charge off and reflect them to show as Natural Disaster since they have the code due to delinquent of Natural Disaster where it won't affect me. This has been an ongoing situation, since they started reporting me back in 2023 while I was living out of a hotel. And spending hours a day dealing with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card a few weeks ago and today XX/XX/20 I received a letter in the mail stating that the reason I was not approved for the credit card is because there are accounts in negative standing appearing on my credit. I didn't know what accounts they were referring to as I looked through my credit report and I saw two accounts that are not mine. The account names are XXXX XXXX XXXX and XXXX XXXX XXXX. Neither of those accounts belong to me ; I did not open them and I did not give anyone permission to open them in my name. I do not have any type of written or verbal contract with those companies nor did I benefit anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a complaint with the Consumer Financial Protection Bureau as well as a police report.
Product: Debt collection

On XXXX XXXX, 2016. I received three phone calls at XXXX, XXXX and XXXX. The phone number being called is my work phone number. The voicemail for this number clearly indicates this is a business line. No messages were left, no indication of who or why these calls were being made. I had to place a business conversation on hold and called XXXX at XXXX to ask them to stop. I spoke with someone named XXXX and advised him the calls they were making were interfering with my ability to do my job. XXXX said he understood the importance of being able to work and said he would ensure they calls would stop. The calls did n't stop. The next call I received was at XXXX. I believe this is a direct violation of the TCPA which should result in a penalty paid to me in the amount of {$1500.00} for knowingly violating.
Product: Credit reporting or other personal consumer reports

Greetings, I am XXXX, reaching out to request the elimination of particular data from my record. The information to be erased is specified in the attached document. I have been a target of identity fraud, and I did not approve these transactions. It is essential to remove these entries to correct my credit history. I have already informed the Federal Trade Commission about the identity theft and have enclosed copies of the Identity Theft Affidavit. I respectfully ask for the swift removal of these items.
Product: Credit reporting or other personal consumer reports

I notified all three credit bureaus of falsely reported information on my reports and they all failed to investigate and respond within 30 days. I have also contacted the furnishers of the information and they also failed to respond in 30 days. The FCRA states that if they do not complete their investigation in 30 days then they must delete the information in question. I have requested an investigation and their findings and I have not heard anything back from either bureau. I also sent them all documents needed to verify my identity as well as a detailed description of what's wrong and they failed on each account to correct the problem.
Product: Credit reporting

OnXXXX/XXXX/2015 I sent in a credit report dispute by USPS Certified Mail to Experian Dispute Department. And as of XXXX/XXXX/2015 they still have n't started my investigation into the medical collection accounts that I have no knowledge or records of the listed accounts. And since it has been past the 5 Business Days that the FRCA allots them accordingly to 611-15 U.S.C.1681i ( a ) ( 2 ) ( A ) *SEE ATTACHMENT # XXXX. I would like the XXXX trade lines for XXXX XXXX deleted or removed, and/or compensated {$1000.00} for each trade line that was not investigated in a promptly manner accordingly to the FRCA1681i ( a ) ( 2 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score with experian is a XXXX compared to a XXXX with XXXX & XXXX with XXXX. Nothing on that credit report justifies a poor score. The only " repair '' they recommend is opening an additional 2 credit cards, which is ridiculous. Please advise on how I can fix this, I have been working exceptionally hard at improving my score for well over 5 years now ( talk about running in mud ) If I need to take out a loan for an emergency I would be sunk because of this score.
Product: Credit reporting or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT
Product: Credit reporting or other personal consumer reports

This company violated fcra 602b identity theft and profiting off of it by reporting negative item on my report without my consent and its causing me stress and hardship its law that to report something on someone credit report the burden on them to assume a but role pursuant to 15 usc 1681 ( a ) ( 3 ) that it must be XXXX accurate and have gotten consent from the consumer I have no consent and if I did I would like to see the Documentation of the XXXX consent forms I sign authorizing it. Violation 15 usc 1681 ( a ) ( 4 ) fcra section 623 ( a ) ( 1 ) ( A ) ,15 usc 1681 ( b ) all item negative reporting XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX ne XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAXXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX ne XXXX
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Debt collection

I have made a complaint agains PMAB LLC with the credit bureaus as well as the CFPB about a debt that is not mine. The first complaint they said they sent something in the mail to me i have not received. Second i sent in a validation request on the account. I mentioned to them that if it is being reported to the credit bureaus before i validate it i would file a complaint. Well here goes that complaint. They removed it from my credit reports and then not to long after they told CFPB they sent me something and CFPB closed the account they re-inserted it back on to my credit report. I did not have a chance to validate as i don't have what they claim they sent me.
Product: Debt collection

Back in XXXX  an apartment building that I was renting from was sold by the owner to another property management company. I gave notice that I was going to be moving out and moved out with the belief everything was paid current and good to go. Some time passed after my move out and I received a notice that I owed them over {$20000.00}. I reached out after getting this notice and spoke to someone at XXXX the new management company. I explained everything, he saw their error and said he would correct it and contact me back. He never did. I then received a notice from Columbia Debt Recovery that I was in collections despite them having incorrect information and not fixing it. I reached out immediately and explained the situation to the agent on the phone. They said they would research it and get back to me. They never did. I continued to receive communications from them and I would continue to provide the correct information even disputing it on my credit report and they never took corrective action. Finally a few months ago I got them to drop off a portion of the wrong amount after an exhaustive amount of phone calls an repeatedly explaining in detail where they were wrong. They still have not corrected the total and are now threatening possible legal action. I have emailed over proof and spent countless hours working on this in addition to the financial damage having this incorrect collection on my report has caused me.