23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX or XX/XX/2017 I visited XXXX XXXX XXXX   XXXX in XXXX, CO. I had work done including an XXXX on a small XXXX. I had asked the office to pre-authorize the work. 6 months later I received a bill that there was an unpaid balance that was overdue, but it was the first communication from the office. 

While trying to discuss the information with the company they deferred it to : Offender : Amerassist Country : USA State :  Ohio City : XXXX Address : XXXX XXXX XXXX Phone : XXXX Site : arsolutions.com Since I have written documentation from XXXX XXXX XXXX XXXX that because of the situation they are going to simply write off the balance and to ignore invoicing. I have communicated this information to Amerassist and provided them with the written documentation. They refuse to close the account and continue attempts to collect money for no reason
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts listed on my credit report, and I have no idea how they got there. I review my credit report regularly, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser to check if it was a temporary glitch, but the inaccurate accounts remained. Due to this problem, I kindly request a thorough review of the documents I submitted to ensure that I no longer have to worry about this issue.
Product: Debt collection

I checked my credit report and saw a debt on there I had no knowledge about. I reached out to the collection agency on file and requested the original agreement or contract from the original furnisher as my right under the FDCPA. The agency responded by mail with a print out of the debt but not the ORIGINAL contract. In my initial outreach to the agency, I asked for my request to be met within 30 days in which they failed to do so. This agency if ruining my my reputation and creditworthiness and is in direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS BEING REPORTED INACCURATELY AS A CHARGE OF ON MY CREDIT REPORT DESPITE HAVING INCONSISTENT HISTORICAL DATA. THIS IS INACURATE REPORTING
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The XXXXcredit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I supposedly owe XXXX XXXX money owed to XXXX. They have called my place of business saying they are a debt collector when asking for me yet can never be reached through any number even after numerous voicemails to attempt to understand or handle the actual debt. Which has been paid. I still use XXXX time to time currently. I am trying to close on a house and this is the only negative mark on my credit report in years. I am baffled. I can not close until this is remo bed and can not even reach the company. Why call my place of business and not my cell phone. I have never left a work number. This is beyond ridiculous.
Product: Credit reporting or other personal consumer reports

I have contacted Experian several times regarding XXXX XXXXXXXX XXXX XXXXXXXX ( Acct # XXXX ) and XXXX  XXXX ( Acct # XXXX ) being reported inaccurately. Both of these accounts are falsely reporting late payments. I have asked Experian to verify the late payments on these accounts. The dispute results came back as verified. I requested proof or documentation regarding the late payments on each account. The credit bureau will not supply the evidence. 

In accordance with the Fair Credit Billing Act and Fair Credit Reporting Act, I am requesting that Experian provide me with a copy of the ( 21 ) day statements that was delivered to me prior to the billing due dates. If an e-statement was sent, please provide a copy of each email correspondence with the e-statement. If the statement was delivered by mail, please provide a copy the documents mailed and include the tracking details and/or return receipt. 

If evidence can not be provided that these late payments are valid and proper notification was provided prior to furnishing these delinquencies on my credit report, then the late payments must be removed from both accounts immediately. 


Sincerely, XXXX XXXX
Product: Debt collection

Received notice of judgement dated XXXX, XXXX from Citibank today. 
They filed one in XXXX again on XX/XX/XXXX, a lien was filed too.

Now theres a judgement filed XX/XX/XXXX, XXXX I never received anything prior to this. 
It says I paid XXXX of a XXXX debt. 
Nobody contacted me to make any payments or notify I can dispute. 
As of XX/XX/XXXX the total was XXXX. 
Now its XXXX. 
Any help would be greatly appreciated 15 years is a long time and I paid the majority.
Product: Debt collection

Not my account. Company lacks any legal obligation or contract. I've never done business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't give XXXX XXXX XXXX XXXX XXXX permission to access my credit report. I have asked them to send me a letter as to why I was denied or what it was for and they have not.
Product: Credit card

I was told that the a cape I purchased from XXXX XXXX XXXX in New York was {$750.00} by the XXXX salesperson. I used a {$100.00} XXXX gift card and put the balance on my Barclay 's credit card. I did not see the receipt as it was to be mailed to me and did not realize the actual price ( there was no price tag on the item in the store ) until my statement came in. I thought it was a mistake so called XXXX to resolve it but was told the price of the cape was {$5900.00} and not at {$750.00}, which I was told. I explained there was no way I could afford this item and wanted to return it but was told that since I had taken the tag off the item, I could not return it, even though it was within the 30-days ' return policy and never worn. I tried to bring the item into the store to return it again - and was denied so I filed a dispute and asked to have the price I was told honored or that have them take the cape back for a refund. I was interviewed by Barclays - my reporter felt sorry for me and was confident that I would win the dispute. XXXX lied and said I saw the receipt and my claim was denied. Barclays is not being an advocate for me - I pay my bills off in full each month adn am a loyal card holder. I need this removed from my bill and am happy to return this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Transunion, XXXX and XXXX that they are reporting invalid information on my credit report. They did a dispute BUT did not validate as I requested with signed documents, receipts or any proof that either of these accounts are mine! I have repeatedly requested that they investigate and remove from my report. they have refused XXXX. XXXX XXXX Bank {$560.00} balance acct XXXX opened on XX/XX/XXXX XXXX. XXXX XXXX XXXX  {$1000.00} balance acct XXXX opened on XX/XX/XXXX My rights are being violated! 

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. ''
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX
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. 
XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

I looked at Equifax credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

I am writing to formally request that you block and delete all accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
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 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 XXXXXX/XX/XXXX
Product: Credit card

A check in the amount of {$220.00} was sent from my XXXX XXXX XXXX account on XX/XX/XXXX. The check was deposited in Target 's XXXX XXXX account and cleared my account XX/XX/XXXX. This payment was never applied, I was charged fees, interest and it still is not resolved. I disputed with the cleared check on XX/XX/XXXX. I'm being told it may take 2 months!!!! Please rectify this so I can close the account.
Product: Credit card or prepaid card

My Indigo credit card has been locked by the credit card company because of one payment that was returned because the insufficient funds do me changing banks XXXX The payment that was returned was an additional payment I was submitted to lower my credit card debt but was not the minimum payment for that was already paid and honored try try it too I have only had this account for 2 months all my other payments have been successful and and I was only notified my credit card was locked 2 weeks after the initial lock I have respond out to the company and they refuse to unlock my card I was told I had to make a minimum payment that it's not due but I still made 2 payments as the act of good fate Is am I caught still not I have ACH payment coming out of that credit card that has known Practice and harsh rules and regulations regarding a {$300.00} account that's only been Open for less day I have another credit card with the same company which is on my destiny card of which my card was locked last month for the same reason and I'm being XXXX against all my accounts for submitting a complaint to the federal trade commission regarding that instance with that card And I'm going to the same situation with the new card Indigo credit card of which I received a offer lbecause of my good standards and payments with my destiny card My card was locked 2 weeks prior to receiving any correspondence both times and and the seasoned bit harsh for these penalties to be affected immediately on the 1st return payment Which was an additional payment Aside the minimum payment that was paid Which is a result for the complaint I made for my 1st credit card which is my destiny my destiny a month prior this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with XXXX XXXX on XX/XX/XXXX, I was denied, which was fine. I later saw on all 3 of my credit reports that my credit was checked by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by an account supervisor at XXXX XXXX that they seem to be duplicates and I should call all 3 credit bureaus and have them remove it over the phone. They all will not remove these inquiries that I did not make, I only made the XX/XX/XXXX inquiry. I keep getting the run around from all 3 bureaus saying they can't remove them and to contact the creditor. When I contact XXXX XXXX, they say the credit bureaus have to remove them since they were duplicates not made by me. This is causing me a lot of XXXX and hurting my credit score.
Product: Debt collection

The account from XXXX XXXX XXXX XXXXXXXX is still showing on my consumer report that is coming from TransUnion it has been deleted from XXXX because of the inaccuracies that I have previously made Transunion aware of attached is copy of deletion from my other consumer report this a clear violation of my consumer rights under USC 1692 ,15USC 1681, USC1666 and demand this be removed immediately this is having a very negative impact on my life as I am trying to start a business
Product: Credit reporting or other personal consumer reports

Submitted a dispute of errors on credit report and company did not properly investigate invalid accounts from creditors that are reporting incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been continuously disputing this account multiple times. I have been reaching out to Credit Bureaus and XXXX  XXXX XXXX hoping that they would resolve this issue. The account I am disputing is XXXX  XXXX  XXXX account number XXXX. The account continues to report as late in XXXX 2020. Please know that this late payment happened during the National State of Emergency which I made the bank aware of. 

First, I am disputing this account because I thought I was able to fix this with XXXX  XXXX XXXX when I called them regarding my payment. This should not be reported as late in my credit report. I know that like any other bank, XXXX  XXXX XXXX has a protocol based on the Cares Act that you would let the payment pass for that month due to Pandemic. I need this late payment removed from my credit report immediately. 

Second, this account reflects 0 payment made each month since XXXX. This is an open current account so I dont know why the payments are not reported.
Product: Credit reporting or other personal consumer reports

I made a request about this account as FCRA says, and XXXX  couldnt provide information about this account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wanted to review my credit report again. After carefully reviewing it I noticed a couple of items that are not mine and I have no idea where they came from. It's kinda of scary that something like this can happen. I've reached out to the FTC and to local police department and I am doing this all on my own.These items are not mine and I have no idea how this happened but these items need to be removed from my credit report.XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX. XXXX. XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit card

I needed an XXXX for spraying soybeans. The custom sprayer person could only do it on the morning of XXXX XXXX, 2015. I told the merchant very clearly it must be at my residence by XXXX XXXX, 2015. The merchant promised me over the phone that the latest it would be there is the afternoon of XXXX XXXX. When the merchant did not deliver on his promise and get it there by XXXX XXXX, I had to drive XXXX miles and buy the spray elsewhere. Then when the now worthless chemical arrived at my door I sent it back to the merchant and said you did not send it it time you promised and it now has no value to me. So, now the merchant has the chemical and still does to this day. My credit card company, Amazon rewards visa by chase refuses to credit my account even though the vendor broke the contract on delivery date and still has the chemical. So, I am currently out {$870.00} and the vendor has my {$870.00} and the chemical. Please please do not let more consumers be taken by the lack of responsible behavior by vendors and credit card companies. The name of the company is XXXX XXXX XXXX and the name of the vendor is Amazon rewards by Chase. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending correspondence to each bureau since XX/XX/2020 trying to rectify this inaccurate and false reporting items. They finally respond with verified but provided no actual verification. I feel like I'm just another number instead of a customer or person. I am requesting they provide the correct documentation on when I was late with my payments. As mentioned in all my previous letters my information was compressed by the XXXX data breach and Im afraid more than ever my information has got into the wrong hands. It has been over 90 days and these inaccurate items are still showing. I've been doing research and per FDCPA it is illegal to report inaccurate items.
Product: Prepaid card

On XX/XX/2023, I purchased three gift cards ( two for {$200.00} each, and one for {$100.00}, totaling {$510.00} dollars, including each card activation fee ) at XXXX in XXXX XXXX, CA. On XX/XX/2023, I mailed via USPS with tracking to XXXX XXXX XXXX XXXX XXXX these three cards to a business colleague 's USPS XXXX XXXX as a financial referral for business work. When the colleague attempted to use these cards in XX/XX/2023, all three were unopened, and unused. When he tried to spend them in XXXX California, all three balances showed {$0.00}. After looking up the card serial numbers and checking their balance, it was found that all three cards and all {$500.00} were spent in varieties of grocery stores in XXXX XXXX California and all transactions on XXXX. Work colleague and myself were never in these cities and the cardboard Visa gift card packaging protecting the security codes were never opened until XX/XX/2023. Criminals had scammed these cards in advance. I am out {$510.00} and no one is willing to help. Appreciate all support and I can provide initial card purchase receipt from XXXX, tracking number from USPS, and paperwork showing the cards spent illegally in some random place no one was present at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy XXXX reporting on my credit report as of XX/XX/2019. I have never filed Bankruptcy, there is no balance but this is a derogatory info on my credit report. They must have the wrong person.
Product: Credit reporting or other personal consumer reports

I was directly impacted by the early experian and equifax breach. I was notified about it, I filled all paperwork out, then heard nothing back. After failed attempts to log into either company 's website, I called, they told me they could not find my file or paperwork that I had filed. I believe this was an issue dated about XXXX years ago when there was a huge breach. I was in fact due a payment from that. {$25000.00}. But mysteriously they lost my file. When I was finally able to log onto experian. They had listed down 4 different social security numbers, multiple names. I personally believe that any credit reporting company should redflag one person having more than one social security number. As a result, there's multiple inquiries, multiple names, and addresses that do not belong to me. My credit report is so screwed up that I really have no idea on how to start the process. I've tried multiple ways of disputing these errors, including freezing XXXXXXXX XXXX but it just keeps getting worse. Experian, and equifax are both at fault. Transunion is the only one that in general has most my info correct, they do correct, and they do work with me. But when I tried starting a buisness. Equifax and Experian really messed me up to the point I can not get credit of any kind. I have a good job that I've held down for over XXXX yrs. I make decent money. But my credit reports hinder my sucess
Product: Debt collection

I disputed this account they removed the account now I receiving letters to pay within 30 days I sent in a certified letter of validation only for them to send me a copy of the account no signature and the end of the statement amount is left blank please remove this account and I do have a report where this account was deleted delete and remove from all three credit bureaus
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. Upon checking my credit report, I noticed some personal information that does not belong to me. I have already sent a letter addressing this issue. However, to this day, which is over 30 days later, I have not received a response. I feel like I'm being neglected and taken advantage of. According to Section 611 ( a ), the failure to investigate these items within 30 days provides a reason to promptly remove them from my credit report.