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

I am submitting this CFPB complaint for you to notify certain accounts that are inaccurate and based on FCRA Section 605b, It was the responsibility of the three credit bureaus to correct some inaccurate information on my credit file as soon as possible. These are the following accounts that needs to be corrected : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$23000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I requested a refund from cash app via the site and no one was able to refund a transaction that was made in error. I couldn't talk to a person in customer service.
Product: Debt collection

Capital one is on my report as closed derogatory and its under collection through portfolio agency this account should not be affect my score double. The amounts are different on each of them. This is fraudulent activity. 
This account is on my report twice negatively
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- Account XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX- Account XXXX XXXX XXXX Account 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 an account without my written instructions.

15 U.S.C 1681c ( a ) section 5 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 personal shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Dear Sir or Madam, First of, I would like to thank you in advance for paying attention to my case. 

I end up with private from Salliemae back in XXXX as XXXX UniversityXXXX students for a Bachelor program. It was explained to me then that the only loan, I was qualified for was private loan due to a lack of credit history and co-signer. 
So I signed up for the loan with variable interest at 9,99 % ... since college was key to become a free thinker, a productive member of Society ... at least that was the dream. 
After my graduation, I was unemployed and asked for forbearance, quickly reality sinked in ; as I was slammed with {$300.00} fees. So since XXXX, I have been paying for my loan without missing a beat.I tried multiple times to consolidate with no luck. No one will even listen. This is a predatory behavior. 
Even with FED interest rate at 0, I still pay 3.50 % .Now with COVID 19 they still want me to pay with interest at 3.12 %. I paid per year an average of XXXX in interest.Another point is Salliemae have sold my loan multiple time without even consulting with me Now my loan is within Navient. 
Please can you help so I can have 0 interest for six months as humanity is dying. 

Sincerely XXXX XXXX
Product: Debt collection

XXXX stated that they represented Nidland Funding claiming I owed money on payday loans. The representative researched the information asked me if I had any outstanding loans, to which I denied. They gave me an invalid email address that was stated as to belonging to me. The representative stated that she was going to contact my job and human resource department in order to serve me papers and to collect the debt. I asked her why not use my address. She stated that my home us private, my job is public and they can go on the premises and basically hung up in my face. First of all, I have not been contacted by this entity before as they stated on my voicemail ( which us saved ), claiming to have made several attempts. Once the representative research the information, I realized that most of the information was outdated, or no longer exist, and she was attelting to retrieve information from me that they did, not have. This company is trying to scam people out of money and it seem to me like they want to use my job as an embarrassment tactic to try and get money for a debt that I do n't owe. I have researched this company and have read numerous complaints and reviews and I did see where the company served papers to client 's residence. Midland Funding is very dishonest and fails to adhere to the laws concerning debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am unable to access my full credit report or scores, only the XXXX report is available. Despite providing accurate personal information I don't have all of the information that I should have to gain access to my report and scores. According to the Fair Credit Reporting Act ( FCRA ) is a federal law that guarantees that the consumer has the right to said access to their credit reports and scores. Furthermore the Annual Credit Report website has not provided said information, due to a payment being required whereas its advertised as being free once a year. I am requesting assistance in resolving this issue and being able to gain access to my full credit report and scores.
Product: Credit card

Reached out to company in accordance to federal law15 U.S. Code 1666b - Timing of payments, stating that a creditor may not treat a statement on a credit card account under an open end credit plan as late for any purpose. 

This form of communication was attempted via phone as well as mailing in letter. No response was provided for letter that was mailed after the following call details below : Attempted to make payments, in addition to this. According to Customer Service representative, they did not believe the creditor would remove and refused to look into removing these late payment reports with myself paying the owed amounts. I was unable to speak with anyone personally regarding this issue, beyond a customer service representative, who stated that this was out of their scope of resolving. Late payments still remain on my credit.
Product: Debt collection

I have spoke with the originally owner this debt *XXXX XXXX aka XXXX XXXX I have already paid this debt off. This company SUNRISE CREDIT SERVICES Account numberXXXX I have told this company to please remove this wrong information. This debt is paid and full and i don't owe this company money never have. i spoke with XXXX from XXXX  she told me that she updated this info with this company so they can remove this information from my credit report. This has hurt my score so bad that is hurting my living able to obtain certain types of loans and stuff. please company just remove this incorrect information. I have enclosed proof that this debt is paid to the original owners. thanks XXXX XXXX
Product: Debt collection

ProCollect initially requested a payment of about {$3400.00} ( Refer to complaint ID : XXXX ), an amount that was inaccurately reported. The accurate outstanding balance is {$840.00}. Despite this discrepancy, ProCollect has been unwilling to provide me with an official letter confirming that settling this debt will result in the removal of any rental debt credit record associated with it. 

The proof is attached as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

On multiple occasions I have sent letters to Complete Credit Solutions and they have ignored me each time. 
Never responded to anything. Even multiple certified letters. 
I've never done business or entered into a contract with them. 
Also did they pul my credit report on XXXX XXXX without my consent. 
I never gave permission to any of the above. 
I demand removal of the debt and the inquiry immediately. I demand removal of the debt and the inquiry immediately.
Product: Debt collection

I was scammed out of my 401k in XX/XX/XXXX. I knew I would owe the IRS. I saw a commercial for XXXX XXXX XXXX saying if you owe XXXX to the IRS that they can help with that. On XX/XX/XXXX I contacted them and was told that they would file my XXXX tax return and either reduce or clear my debt. However before they would begin I needed to pay XXXX. I didnt have the XXXX so I had to get a loan with XXXX XXXX XXXX XXXX ( a company XXXX XXXX XXXX uses ). The total loan with interest was XXXX. When I received my XXXX tax return I owed XXXX. I asked why I owed that amount they said to sign the return and not to worry about the amount owed as they are working on it. Then I received a letter from the IRS stating if I didnt pay the amount owed they would levy my property. I reached out to XXXX XXXX XXXX and was told to send them anything from the IRS as they are still working on my debt. Then in XX/XX/XXXX I received a message saying to call them as they had a resolution. They then told me that there was a fund that they could use to clear my debt with the IRS however it would cost me an additional XXXX to complete. I then told them that I was done with them. I was scammed by XXXX XXXX XXXX. And would like some assistance with the debt I owe for filling with them. XXXX is a lot to pay for filing a 1040 form to the IRS. I did ask for an hourly rate and the time spent but did not get a response.
Product: Debt collection

Greetings.. On or about XX/XX/2018 I received a summons to appear in XXXX City Court or face a judgement on a old credit card bill. 

I'm XXXX years old collecting Social Security and a Veterans XXXX Pension.. 

Under Federal and New York State law these funds can not be frozen or garnisheed.. As long as there direct deposited. Except under certain circumstances these funds can be frozen and garnisheed, and the banks supposed to know which is which. 


I did talk to a Legal Aid Attorney and my funds are not to be frozen or garnisheed. So therefore I'm not obligated to answerer the summons unless I wish to. Since I do owe the money I'd more than likely lose the case and a judgement would be won by the creditor or debt collector. 


What my Legal Aid Attorney mention to me is that sometimes the banks freeze and or garnisheed account when they shouldn't and it takes a month or more to get the funds released.. 


What needs to be fixed by congress is as fine of {$50000.00} on the banks for freezing bank accounts that are not to be frozen or garnisheed and a {$5000.00} payment to the person that the account was not to be frozen or garnisheed. 


I'm asking you to sponsor a bill to punish banks that drop the ball on making sure that the funds in accounts are not frozen or garnisheed when there not supposed to be. 


This bill would protect all people who are collecting funds that are protected under Federal and State Law in all 50 states not just New York State.
Product: Credit reporting or other personal consumer reports

Please see my attached most recent and up to date report. All of the accounts on it reports to all bueros so the information should be in sync/all EXACTLY the same. I'm not sure what kind of back office mess up is going on but the errors onXX/XX/XXXX with XXXX, Transunion, XXXX XXXX etc and especially XXXX is so completely off I haven't gotten a steady denial reason or approval for ANYTHING business or personal in over 6 months. Update ALL the information to be the same, all # s and dates are valid hints why they show on this report and my paid report. Anything off is incorrect as of XX/XX/year>. I have filed many complaints & disputes mail & otherwise. You are hindering my livleyhood and I can't get a home because you or your 3rd party affiliates are not reporting as you should be. DO NOT contact the companies again to update the accounts to the date of recieveing this notice or there will once again be discrepancy since they already reported on the attached report within 30 days once again making everything off. I'm not sure how you guys got so far behind and wrong but all Inquiries where and should be removed as well due to a breach theft reports were attached in precious complaints. XXXX is the only one that has it all 100 % correct as of this date BUT even their XX/XX/XXXXXX/XX/XXXX is completely off. Next will be a notice of suit.
Product: Credit card or prepaid card

I had a citi double cash card which ended with XXXX. On or about XXXX, I opened my paper statement for the billing period XXXX and found of the 25 charges made to my card, 17 of them were not made by me. I did not lose or lend my card. I called the card company, disputed the fraudulent activity and paid for my charges immediately, as I always do. Prior to getting the next statement for the billing period in the mail, I got an e-mail, on or about XX/XX/XXXX asking to contact the credit card company. Upon contacting the card company, I was asked about the 25 charges transacted from XXXX. Of those, 24 were made fraudulently and i disputed them. I was then issued a new card. On XXXX XXXX, I received a brief letter from the card company, stating that as I did not lose or lend my card, the dispute was closed. I then sent a letter, via certified mail, to citi bank security services dated XXXX, reminding them that turning their back on their customer without attempting any due diligence on their part, implies that I am the one who is a fraud, a cheat and a liar and that implication is indeed slanderous. I then pointed out the inconsistencies of the disputed purchases with regards to the prior 11 months of my card use, the frequenting of places I have never been, neighborhoods and cities I have never visited as opposed to the very limited sectors I used my card prior to the disputes. As I understand it, the credit card company is required to reply to me in writing within a certain number of days. That time has long passed. I maintain, in the strongest possible terms, that I did not make any of the disputed charges, and insist that all the disputed charges, fees, and interest be removed from my account.
Product: Money transfer, virtual currency, or money service

I paid for a service I saw in XXXX and the items were never sent. They deleted the account and have not responded back.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information listed on my credit report. Specifically, I am disputing two addresses and a name that are not associated with me and need to be corrected promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last XXXX of XXXX XXXX & XXXX XX/XX/XXXX Credit Bureau XXXX TransUnion XXXX XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$480.00}. XXXX on XXXX, Transunion, and XXXX how can First Premier, opened XX/XX/XXXX This is a violation of the FCRA XXXX XXXX XXXX ( I ) XXXX XXXX XXXX ( XXXX ) Civil liability for willful noncompliance XXXX XXXX XXXX ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : Transunion shows no payment history within the last 24 months
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Owed : {$390.00} XXXX XXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$0.00} 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
Product: Credit card or prepaid card

In XX/XX/ 2018 I was a victim of Identity theft. 
My XXXX XXXX XXXX banking account which I had on file was compromised. 
After several attempts to correct the issue I had to close the account and start a new account. 

All of bills were paid using this bank. This cause issues this payment to this card. I did get this corrected. But now I use my XXXX XXXX banking account. 

As a XXXX XXXX I was affected by the XXXX XXXX. With no income I did attempt to make a payment of {$15.00}, {$20.00} of what I could afford. 
I spoke to representative and informed them of my situation. 
I was told late fees would be added to the account. 

As I need time to get back on my feet. My husband is XXXX XXXX too so this XXXX affected our household. 

Also I was able to access the FTC site during the shutdown. It gives the information for Identity theft to show I filed and I have a case number. 
This program was shutdown at the time, I would like to get my account back on track. 
No card closure If u can see before I was able to pay with no issues I can provide any additional information as needed.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX  - XXXX - {$21000.00} ( XXXX & XXXX ) XXXX XXXX XXXX - {$0.00} ( XXXX ) XXXX XXXX XXXX XXXX - {$6100.00} ( XXXX & XXXX ) XXXX XXXX  XXXX - XXXX - {$10000.00} ( XXXX ) XXXX  - XXXX - {$750.00} ( XXXX ) XXXX XXXX  - XXXX - {$21000.00} ( XXXX ) XXXX XXXX  XXXX - XXXX - {$10000.00} ( XXXX  ) Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has come to a different conclusion twice wrongly, without providing justification. 
I am only convinced that evidence has been ignored. The investigation report I have received shows only month of payment but not the actual date or day in the month of XXXX. This is however, inconsistent with how the other months have been presented. 

When the evidence is before you and you come to different conclusion, the process will no longer support the analysis. 

It only make sense that actual payment made on time be reflected on credit report. My balance for the billing cycle should be XXXX. 

Does class, race, ethnicity etc. play a role in investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was receiving bills from a collection company. I wondered for days why I received this collection bill twice. If I knew I did not owe anything. I got onto my XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on XXXX XXXX. I am extremely shocked with these accounts on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX  {$230.00}