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

Accounts listed are fraudulent. Should not be reporting on my credit report. 
1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in violation of the following : Violation : 15 USC1692 e ( 2 ) reporting inaccurate debt amounts Violation:15 USC1692 b ( 2 ) Violation:15 USC 1692 b ( 5 ) Violation:15 USC 1692 e ( 11 ) Remove this amount reported falsely on my report immediately. This company failed to verify and prove this debt belongs to me and that the information reported is accurate. 

This company claims an account was opened on XX/XX/22 ... .. provide original documentation proving this to be a mutual contract agreement. Also provide the invoice showing why this money is owed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have been on a payment plan with Tenaglia and Hunt for over 3 yrs. Suddenly, there was an issue w my bank or the payments back in XXXX and Tenaglia and Hunt stopped taking money for the arrangement. 

Since then, nobody at the debt collector/ law firm, has attempted to contact me to let me know there was an issue on my account to allow me to rectify the issue. 

I suddenly received a letter stating Im being sued for the debt without any prior notice nor notification. I have been calling and calling and calling leaving messages asking for someone to call me back to rectify the issue and nobody has called me back. 

I spoke to someone today who told me dont you notice the extra {$200.00} in your account every month or what?! To which I found quite displeasing and subsequently the gentleman stopped allowing me to speak, kept interrupting me and hung up on me saying he will have his manager call me as he cant do anything. 

How can I be taken to court without notice, without due diligence and without the opportunity to have been put back on the plan or give them the new bank account number that I created to avoid these issues w the bank in the future. 

The firm has a bad reputation for taking people to court and no notice and garnishing wages without due process and this is happening to me and I am asking for help! 

Please let know what else is needed to rectify this issue and ensure that Tenaglia and Hunt are handled properly because they are violating so many laws!
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I notified Barclays that there was fraud activity on my credit card. The complaint was taken in, the items disputed were itemized, and I received a new credit card account number. Despite Barclays taking in this fraud complaint the only action Barclays completed was sending me a new card. The items in dispute remained on my statements and the account that was stolen remained open. 

On or about XX/XX/XXXX, I notified Barclays that the fraud activity complaint was not resolved. I was told by XXXX # XXXX that no fraud complaint was ever received and that I would need to put a new fraud claim in. I proceeded to spend the next XXXX hours working with Barclays to again put in the items disputed. I was told this would take XXXX to 2 months to resolve. After the call I received a letter from Barclays stating that they closed the account impacted by fraud ( the action that was supposed to take place after the XX/XX/XXXX call ). 

On or about XX/XX/XXXX, I notified Barclays that they removed 4 of the 5 fraud items but the 5th item was not removed from the account. I was told by XXXX XXXX XXXX XXXX said the agents don't have ID # s ) that the fraud review was still open and no action has been taken. I pointed out that 4 of the 5 items had been removed. The Agent could not explain why the 5th item remained on the account. The Agent said she would put me back into the fraud system for review. I asked to speak with a manager and was told I would be put in the Manager callback queue for a call that may occur in 1 to 5 business days.

It appears to me that Barclays is deceptive in its dispute process. I am being negatively impacted as Barclays continues to report me as not making payments, when the only items outstanding relate to the fraud that was reported to Barclays over 5 months ago.
Product: Debt collection

CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Reported a debt collection for a third party, that I didnt know what was this debt all bout. They posted on my my credit report. I wanted it deleted. 
Stated it comes from Original Creditor Name : XXXXXXXX XXXX XXXX XXXX. I did not know about this company either. DId not receive any call or letter from them.
Product: Debt collection

I was injured during a car accident which left me XXXX  I contacted the company to see why I was charged when I have insurance coverage of {$1000.00} on all emergency transport they said no I have to pay out of pocket then proceeded to say they would sue me and now keeps calling like 3 times a day every few days this has to stop I ask that this account be rectified and deleted from my consumer credit report
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing three unauthorized accounts on my equifax credit file, these three are not mine, i have been telling to equifax for many months, but they have not been helpful, please find attached my police report in this regards an d have equifax remove these inaccuracies thank you
Product: Credit reporting or other personal consumer reports

I am writing to urgently address a severe matter regarding fraudulent activity on my credit report. Upon thorough review, I have uncovered multiple inaccurate and unauthorized entries that significantly compromise my financial integrity and creditworthiness. These fraudulent accounts have been causing unwarranted distress and hardship, and I seek your immediate intervention to rectify this situation. The fraudulent entries in question are as follows : XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$80.00} Status : Collection account. {$80.00} past due as of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$130.00} Status : Collection account. {$130.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} Status : Collection account. XXXX  Date Opened : XX/XX/XXXX Balance : {$270.00} Despite my repeated efforts to address these issues with the credit reporting agencies, the entries persist on my report, unjustly tarnishing my credit score and financial reputation. It is imperative to emphasize that I have never authorized or initiated any of these accounts. I strongly suspect that they are the result of identity theft or malicious activity targeting my financial records. As a vigilant consumer, I have diligently monitored my credit report and have taken immediate action upon discovering these discrepancies. In light of these grave concerns, I wish to draw your attention to several pertinent laws and regulations established under the Fair Credit Reporting Act ( FCRA ) that safeguard consumer rights : Fair Credit Reporting Act ( FCRA ) Section 609 : This section empowers consumers to request disclosure of their credit report and dispute any inaccuracies or fraudulent entries therein. Fair Credit Reporting Act ( FCRA ) Section 611 : This section mandates credit reporting agencies to promptly investigate and address any disputes raised by consumers regarding the accuracy of information on their credit reports. Fair Credit Reporting Act ( FCRA ) Section 615 : This section outlines the responsibilities of information furnishers, such as creditors and lenders, to ensure the accuracy and integrity of the information they provide to credit reporting agencies. I urgently implore the Consumer Financial Protection Bureau to intervene in this matter and expedite the removal of these fraudulent entries from my credit report. Additionally, I request a thorough investigation into the origins of this fraudulent activity and appropriate actions against the perpetrators. Enclosed with this letter are copies of documents supporting my identity and evidence of the fraudulent entries on my credit report. Your prompt attention to this matter is greatly appreciated, and I eagerly await a swift resolution. Please do not hesitate to contact me if further information or assistance is required.
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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX  XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6700.00}
Product: Debt collection

My name is XXXX XXXX. the last four of my synchrony acct was XXXX my address is XXXX XXXX XXXX. XXXX , Ms. last four of my social is XXXX. I received a phone call regarding my debt with synchrony bank for {$690.00} between XXXX and XX/XX/XXXX regarding full payment on my account that was closed on XX/XX/XXXXXXXX i informed them then that i could not pay the account in full. even tho they said i had to make the full payment instead of paying on the account i still sent a payment during XX/XX/XXXX.. I heard nothing else from the collector at that time even after i sent payment on account. XX/XX/XXXX i received another call from debt collector regarding amount for XXXX.. i was informed that they could not take partial payments and needed account paid in full. Amount has already been put on my credit report after debt was sold, meaning the debt was wrote off on taxes of original creditor. Company that purchased debt wants to sue me for amount after they rejected my offer to make payments.. since debt was wrote off i assumed contract was cancelled in XX/XX/XXXX. I'm willing to pay on account. i also feel that they should accept payments instead of requiring full payments. if they review my credit report they wld see that majority of my payments on accts are made.. i got behind with original acct due to losing a job. the company name is XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ms XXXX.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report after requesting a reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Variance in reported balances, Date Opened, Account rating and Late Payment Date across different credit bureaus highlights non-compliance with 15 USC 1681 1 ( a ) This account was Paid and closed on XX/XX/XXXX since then the account has been repeatedly been updated in the payment history as Current when indeed that status is ( Paid, Closed ) The reported balance remains inaccurate post-sale of the account which is misleading and violates 15 USC 1681e ( b ) please investigate this matter and ensure maximum accuracy in my report if it can not be verified I Demand this account be deleted from my credit report. In addition I would like to have a New copy of my credit report mailed to my home address. 

Experian report : XXXX XXXX XXXX - Account # XXXX X, High Balance : {$520.00}, Date Opened XX/XX/XXXX, Balance Owed : {$520.00}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$0.00}, Last Payment : XX/XX/XXXX, Credit Limit XXXX {$0.00}, Account rating : Paid XXXX report XXXX XXXX XXXX XXXX - Account # XXXX X, High Balance : {$520.00}, Date Opened XX/XX/XXXX, Balance Owed : {$520.00}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$0.00}, Last Payment : XX/XX/XXXX, Credit Limit : {$0.00} XXXX Account rating : Closed XXXX report : XXXX XXXX XXXX  - Account # XXXX X, High Balance : {$520.00}, Date Opened XX/XX/XXXX, Balance Owed : {$520.00}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$0.00}, Last Payment : XX/XX/XXXX, Credit Limit : {$0.00}, Account rating : Paid
Product: Debt collection

I TRANSFERRED MY SERVICE FROM XXXX TO XXXX WITH THE HOPES OF GETTING THE SPECIAL DISCOUNT AND THE PROMOTION THEY HAD AT THE TIME. I ALSO HAD MY HUSBAND TRANSFER HIS PHONE FROM XXXX CELLULAR TO XXXX WHICH IS ALL UNDER MY ACCOUNT. I WAS TOLD THEY WERE GOING TO PAY THE TERMINATION FEE FROM XXXX AND US CELLULAR AND I WENT ON THEIR WEBSITE TO SUBMIT MY RECEIPT AND THE INFORMATION REQUESTED BUT IT WAS NEVER PAID AND NOW IT IS AFFECTING MY CREDIT WHICH HAS NOW DROPPED TO XXXX DUE TO THIS COLLECTION RECORD WHICH I HAVE NEVER HAD ON MY CREDIT. I AM ASKING THAT THIS BILL BE PAID OR I WILL FILE A LAWSUIT AGAINST YOUR COMPANY. I BARELY GET A GOOD SIGNAL TO BEGIN WITH AND THE PLAN IS NOT EVEN WHAT I WAS QUOTED. I AM UNDER A GOVT DISCOUNT PLAN AND WHY IS MY BILL ALWAYS ALMOST {$200.00}? I AM A STUDENT AS WELL AND MY HUSBAND IS A RETIRED XXXX XXXX, WE DO NOT HAVE THE MONEY TO WASTE ON A SERVICE THAT IS NOT AS XXXX AS THEY CLAIM. I AM TIRED OF FINANCING A PHONE THAT DIES AND DOES N'T WORK WELL AS IT SHOULD, THE TABLETS WE RECEIVED WERE SUPPOSE TO BE FREE AND NOW WE ARE BEING CHARGED FOR IT. PLEASE PAY THE TERMINATION BILL FOR MY HUSBAND AND MY BILL FROM XXXX. I LIKE THE CONVENIENT OF MAKING PMTS ETC BUT I DO NOT ENJOY HAVING A SERVICE WITH A HIGH BILL AND BAD SIGNAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter to Capital One on XX/XX/XXXX : Recently I learned when applying for a new loan that I have a 30 day late notice on my credit from XXXX of XXXX. This was a credit card invoice that was emailed to me over XXXX during a time that I was traveling overseas. When I returned, I immediately paid the bill and have not missed a payment since. Would it be possible to remove the notice after all this time or at least issue a Letter of Deletion? I would be very appreciative. Thank you, They responded on XX/XX/XXXX with a form letter saying " they were unable to change our reporting on a courtesy basis '' The outsized damage to my Credit and my ability to obtain a mortgage at a reasonable rate is completely out of proportion with missing XXXX month of a credit card payment, and would be an appropriate focus of the XXXX in the interest of the many with this kind of issue. Does an entity like Capital One benefit monetarily by maintaining reporting even after the issue is resolved? Surely their economic benefit is no match for my loss.
Product: Debt collection

I originally thought the debt owed was my adult sons bill. After further review this debt the company is trying to collect has been paid in full. This bill was paid on the day the services was rendered. I paid {$300.00} my deductible at the time. Also the company has invalid date of service on the bill. The service date is XXXX XXXX 2016. Also the company name is different from where I received my service. I received services from XXXX XXXX XXXX XXXX not XXXX XXXX XXXX. All are most of the third party that trying to collect the debt information is incorrect. I will attach receipt of payment. This was pai with my XXXX XXXX  Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX DOB- XXXX SSN- XXXX Sworn Statement Of Dispute Date XX/XX/2022 Dear XXXX, Transunion and XXXX XXXX You stated that I owe an alleged debt to XXXX XXXX  XXXX account # XXXX and XXXX  XXXX  account # XXXX. I would like to validate this debt under the USC, UCC, FCRA, FDCPA. I am requesting validation of debt request of U.S Code 1692. FCRA 605B ( 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 XXXX business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report. Please provide the following documentation for the alleged debt to XXXX XXXX starting in. Under my God- giving rights please send me a sworn affidavit statement stating XXXX XXXX  still has the original signed contract with my XXXX wet signatures under penalties of perjury in reference to my rights under the UCC Code 3-308. Please also send me a copy of the commerce banking note to this alleged debt. Please also send a certified contract not a photocopy of this alleged debt. Please also send a true bill. A true bill the written decision of a grand jury ( signed by the grand jury foreperson ) that it has heard sufficient evidence from the prosecution to believe that an accused person probably committed a crime and should be indicted. Thus, the indictment is sent to the court. Please also send a lawful contract signed by both parties which makes it binding between both parties have given substance according to the contract law of 1872. Please send all validations of debt and paperwork linked to the alleged account from the alleged creditor. Please certify in a sworn affidavit under the penalties of perjury and XXXX able law that all states of rebuttal to this sworn are true and correct to the best of your ability with your signed signature. Please also send me a copy of this sworn affidavit via receipt of this letter. Please respond in XXXX  days of this a latter will become a binding agreement according to contract law. Furthermore, I will have to opportunity to cue in place a judgment on this company. If you fail to respond I am going to presume the debt isnt true in the first place. I am respectfully requesting this account be deleted and removed from my credit profile sense it is ruining my credit worthiness and my ultimate pursuit of happiness under the United Stated Constitution. To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds and a dishonor in commerce according to the UCC Code. 
I am exercising my God for saking right this account must be deleted from my credit profile on all XXXX bureaus immediately or I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, LEXIS NEXIS, XXXX the also have records of file the are wrong.
Product: Credit reporting or other personal consumer reports

Recently while reviewing my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here is a list of inquiries that I found. 
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, These hard inquiries do not have permissible purpose according to the four-credit reporting act. Anything furnaced on my consumer credit report must have permissible purpose according to 15 USC1681B.

Please remove these fraudulent inquiries from my credit consumer report. Delete this hard inquiry because it doesn't
have permissible purpose according to 15USC1681B.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is paid in full but still shows it was chargeoff on credit report