23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete hard inquiries associated with XXXX XXXX XXXX XXXX XXXXXXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX AND XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the XXXX credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$580.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX XXXX Account # XXXX The above stated account was disputed and came back as " verified. '' I'm not sure how this could be since XXXX and Transunion both only list the the original creditor as a residential address. This account was opened on XXXX XXXX, 2019. 
What is the alleged account for? 
Is this a credit card, car payment, medical collection, what was the good or service rendered to me that I owe? 
If this is a valid debt that should appear on my credit report then what was the first date of delinquency? 
Did this account report a 30 day past due? 60 day past due? 90 past due? To my knowledge the answer is no, this account just appeared on my credit report. I understand it is a very common practice for creditors to try and attach an address to the consumer and if they can successfully do so they state the account as valid. I don't know if XXXX XXXX XXXX can do that or not. But what I am 1,000 % sure of is this company nor its alleged original creditor can attach any sort of good, service, installment agreement or contract to me that I was ever even 30 days late on let alone having an account that warrants a charge off and collection. Please remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report the XXXX XXXX account XXXX as derogatory charge off over seven years later. This reporting is 10 years old and the account was open in 2008, 12 years ago!!! 
Despite multiple dispute attempts and countless phone calls XXXX   has refused to remove the egregious information. XXXX XXXX is also reporting the egregious information to the other CRA 's Transunion and XXXX.
Product: Debt collection

On XX/XX/2021 I received a letter from a collection agency, Portfolio Recovery Associates LLC stating there was a debt owed to XXXX XXXX XXXX  ( XXXX XXXX XXXX. On XX/XX/2021 I sent Portfolio Recovery Associates LLC a debt validation letter via Certified Mail with signature confirmation, and I received a receipt that the letter was received and signed for by Portfolio Recovery Associates LLC, from the United States Postal Service on XX/XX/2021. 
On XX/XX/2021 I received another letter from Portfolio Recovery Associates LLC stating there was a debt owed to XXXX XXXX XXXX  ( XXXX ) XXXX that looked exactly the same as the letter sent to me on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ifiled Bankruptcy in XX/XX/XXXX, was Dischardged in XX/XX/XXXX. Equifax and XXXX still show the following : 1. XXXX as past due and in Collection. XXXX was Part of my Discharge 2.XXXX As past due and in Collection. XXXX was part of my Discharge 3.XXXX XXXX   as past due and in Collection. XXXX was Part of my Discharge 4. equifax does not have my Bankruptcy as a public Record 5. XXXX account and XXXX acct i was only Authorized User, and Should be Removed from my Profile
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX account XXXX  is reporting XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 as late. I spoke with XXXX credit department and I was informed that they did not report that to XXXX. I spoke with XXXX at XXXX  who stated they received the information from XXXX. I would like for this to be looked into b/c it appears that XXXX  is reporting inaccurate information. XXXX as well as XXXX  have the correct information. I did file a dispute but I would like to insure that the inaccuracies are taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a credit card with XXXX XXXX was opened up using my information. 
My ex-husband opened this account using my information and I never authorized him to do so. 

Upon finding out about the existence of this account, on XX/XX/XXXX, I requested that this account be closed.
Product: Debt collection

Dear Dispute Department, I am writing to formally dispute the accuracy of a collection account listed on my XXXX credit report. The details of the account are as follows : Account Number : XXXX Account Type : Collection Creditor Name : [ Insert Creditor or Collection Agency Name ] Balance : {$16000.00} ( as of XX/XX/XXXX ) Responsibility : Joint with XXXX XXXX, XXXX XXXX Date Opened : XX/XX/XXXX I believe this account is inaccurate for the following reasons : 1. I have no knowledge of this account or its association with me, or I was improperly listed as a joint account holder. 
2.Mention any errors or discrepancies in the reporting, such as an incorrect balance or status. 
3. I believe this debt is unverifiable under the Fair Credit Reporting Act ( FCRA ) as no sufficient evidence has been provided to validate its legitimacy. 

I request that you investigate this matter with the creditor or collection agency. If the account can not be verified or corrected, I request that it be immediately removed from my credit report as required by the FCRA. 

To support my claim, I have included the following documentation : A copy of my credit report highlighting the account in question. 
Any additional supporting evidence. 

Please complete your investigation within the required 30 days and provide me with a written response. I look forward to your prompt attention to this matter. 

Thank you for your assistance. Should you require further information. 
Sincerely,
Product: Checking or savings account

I am submitting a complaint for an unauthorized transaction/ACH transfer made to my account last XX/XX/2024, in the amount of {$2900.00} by XXXX XXXX XXXX The said transaction was unauthorized and was not made nor authorized by me. I have already placed a stop payment request to a customer service representative a day before ( XX/XX/2024 ) but they still allowed the said transaction to push through without my consent. 
I already submitted a dispute on the said transaction. I should've received the money back temporarily within 24 hours while investigating, but got no updates received from my bank. Case number given : XXXX. Name of bank : Citi, Product : Citi High Yield Savings
Product: Debt collection

American Adjustment Bureau sent me a letter claiming I owed a debt to XXXX Hospital. I have not/will not use XXXX nor their affiliates due to past experiences. I spoke with American Adjustment Bureau to find that the supposed debt was my husband 's for an XXXX. XXXX failed to bill his insurance company, XXXX XXXX. I sent all information to American adjustment Bureau 2 months ago and heard nothing back from them. XXXX XXXX sent a letter verifying that they paid this bill and that XXXX had charged the wrong account previously. Again, I received nothing from American adjustment Bureau. I only found that they reported my so-called bad debt when I checked my report because I am trying to rent an apartment so that I can move my XXXX-year-old grandmother in with me so that she can avoid being put into a nursing home. I have paid my debts and I have worked hard to repair my credit. XXXX Hospital does not send out bills to patients, they just send their information to these goons who don't do their job either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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. 
XXXX XXXX Balance : {$6600.00} XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update ASAP.
Product: Debt collection

I believe the account is invalid. KIMBALL , TIREY & ST. JOHN LLP needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 



KIMBALL , TIREY & ST. JOHN LLP or XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REF : XXXX  ACCT # XXXX XXXX 's has not provided the required documentation that justifies them to be on my credit reports and consumer reports. I've corresponded with them for them to reply with a letter stating this will remain on my report for 7 years, I asked for validation not proof of my current address which they only have because of the mail they've received from me. 
They have violated my rights as a consumer by not providing the XXXX disclosures by law or offering me to opt out of credit reporting. 

I have recently come across information from the Federal Trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT-OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXX did not disclose this information to me which is required by federal law. XXXX knowingly and willfully withheld pertinent information regarding disclosing my information to affiliated and unaffiliated third parties. Macys knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 
You violate several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. 

I want this account deleted immediately
Product: Credit reporting or other personal consumer reports

Experian, There is wrong personal information on my Experian credit report - I need to have that fixed as soon as possible as its damaging my ability to obtain credit. 

Attached to this complaint are : - my written and signed complaint - my drivers license, social security card, and address
Product: Debt collection

I have reviewed my credit file and have been turn down for credit due to Jefferson Capital listing me as still having active revolving line of credit with them. This item does show as XXXX balance however it does show as an active line of credit which is incorrect. I was told by XXXX Representative at the company on XX/XX/XXXX that a request to delete my information was placed to all XXXX credit reports. I still see this item listed and have been turned down for credit due to this situation. I spoke with XXXX from consumer relations department at Jefferson Capital who researched and stated that this item should have been deleted XX/XX/XXXX and stated that it was deleted however it still showed listed on my credit report. I would like full resolution on this matter I am a single mother working very hard to clean up my credit. I have paid XXXX of dollars to do so by filing chapter XXXX and have been discharged and I am very confused as to why this is still showing on my credit file and has prevented me from obtaining certain credit needed for my family. I have learned that this credit stared from XXXX credit card and was given to Jefferson Capital to act as their collection agency. When XXXX gave my information over to Jefferson Capital I was in an active chapter XXXX case. So this was incorrect reporting from the start. Because I lacked maturity and did not have the education and tools I have now I was not able to confront this situation. I would like your assistance with resolving this matter please.
Product: Vehicle loan or lease

On XX/XX/XXXX, I bought a car from XXXX XXXX for a sticker price of around XXXX Credit acceptance was the only lender that would take the little credit I had and ended up with a 22 % interest rate and an over {$16000.00} finance charge. The total amount of my loan was around {$42000.00} with a {$4000.00} down payment. That is double what the car was worth. Fast forward to XX/XX/XXXX, I am trying to refinance my car, but I still have a loan of {$28000.00} and the value of my car is {$17000.00}.
Product: Debt collection

I am not getting no response back to this high debt they say that i owe.
Product: Credit reporting or other personal consumer reports

I have reviewed for my first time my Credit Reports and i have noticed that since XXXX  i had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.I have always paid my bills on time on all of my accounts and I have never been late on payments for the XXXX XXXX  account XXXX. Please investigate so that they can provide Proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX CEO & Manager, I Have no knowledge of this Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX, I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX ; or XXXX XXXX XXXX XXXXXXXX XXXX ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab initio!

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 an account without my written instructions.

Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXX CEO & Manager of XXXX XXXX XXXX XXXX XXXX to Immediately Delete this account XXXX XXXX XXXXXXXX XXXX XXXX XXXX, with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

as this file XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has damaged XXXX XXXX XXXX ; reputation and damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!!

I also Demand that I be Compensated for my Damages and {$1000.00} One Thousand Dollars for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. 

Pay to the order of : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am writing this to say I noticed many incorrect and unauthorized items appeared in my report. I have tried time and time again to get your company to comply to my request. I am requesting that you delete all the following XXXX XXXX XXXX XXXX that are inaccurate and that were not approved to report to my report under my consent. These items also do not report the same on all 3 bureaus so they need to be deleted or I will seek monetary compensation of {$1000.00} per violation on my report. Please remove the negative items from my credit report immediately.
Product: Credit card or prepaid card

Called XXXX XXXX/First Progress on XX/XX/2023 to close my account. Representative assured my account will be closed immediately. I asked her when would my security deposit of {$1000.00} be returned, she replied " in about 10 weeks from today ''. I called on XX/XX/2023, spoke with XXXX to check the status of my security being mailed. Representative apologized an reported 1st rep closed my account but did not request for my security deposit to be returned to me. He explained he would surely have my security check mailed to me but it would take an additional 10 weeks. I kindly asked, with it being no fault of my own, can my security check be expedited. He explained he would place a request with " back office '' but i would have to call back for a determination. Called back on XX/XX/2023 spoke with XXXX. She explained in order to request they expedite my security check i would need to fax Name of Credit Card Company, my name, account #, that account was surely closed and the request to expedite my security deposit be returned. to ( XXXX ) XXXX
Product: Debt collection

I has come to my attention, thaXXXX XXXX XXXX XXXX XXXX has transfer an account to United Collection Bureau INC Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. United Collection Bureau INC is refusing to discuss my concern about their acct # XXXX, balance {$700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a text message on XX/XX/21 from business claiming to be XXXX as follows : < # > ; Someone Just Ran A Background-Check 0n You Through A XXXXDatabase. Find 0ut  Who ; XXXX : XXXX Then on XX/XX/21 a text from someone claiming to be Transunion sent the following text : Re : TRANSUNI0N Has Placed A Temporary Hold On Your File For Unusual Activity. Resolve This Issue Here : http : XXXX I did not open the link in message and have not sent money/gift cards to anyone. I simply want to let someone know that I received these messages but have not been able to speak to a customer service representative at either credit reporting bureau to have them check on these messages.