23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been disputing a fraudulent Judgment and Collection account that I am not liable for on my Equifax credit file since XXXX XXXX, 2016 as they are in violation of the FDCPA. I have provided Equifax with all documentation supporting my dispute and they refuse to properly investigate and update my credit file accordingly by deleting these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute to XXXX and XXXX and Equifax all the same day XX/XX/2018 - it was not until I complained to you I ever got any correspondence from Eqifax. They did not respond to me in the required 30 days so they MUST TAKE OFF THE NEGATIVE INFO AS REQUIRED BY LAW FOR NOT GETTING MY DISPUTE RESULTS TO ME TIMELY. It was not until I compalined to you the they even sent an email and then I could not even open the darn thing. Equifax you XXXX.
Product: Student loan

1.I have never have STUDENT LOANS accounts, REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) The STUDENT LOANS, the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX last 4digits of my social XXXX, reviewed my Consumer Reports and noticed that I had three late payments on my XXXX XXXX account # XXXX, in XX/XX/2022, XX/XX/2022 and XX/XX/2022, 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 never been late on payments for this account. Please investigate and 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 should be as I was Never Late. Thanks, XXXX XXXX XXXX
Product: Vehicle loan or lease

Credit Acceptance loan company reporting a voluntary repossession for a vehicle and I never had a loan with this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX or XXXX XXXX has been denying us our securities and doing the remittance coupon processes or Negotial instrument using us funds all of these are XXXX in the same and all I wanted was to pay on the account we keep getting denied which all debt are prepaid we have unlimited credit and all sum of money should be returned back to the creditor which we are XXXX XXXX XXXX XXXX XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX 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 applied for a credit card with XXXX XXXX on XX/XX/23 and was denied. I contacted them on the same day and expressed my disapproval for the decision. Made them aware that I have a right to my securities and that if they wont give me my securities then to retract my application. They have ignored all attempts of resolving the issue. 

Contacted them again on XX/XX/23 basically repeating what I stated earlier. They denied me again on XX/XX/23 and gave me a final review of my application on XX/XX/23 and told me the denial will not be reversed and that is their final review on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian/XXXX/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with you. Bankruptcy chapter XXXX, reference # XXXX. And in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter. Therefore your original response verifying the item with the court was either a error or a lie. Either way, the reporting requirements do not comply with FCRA section 611 ( 15 U.S.C section 16811 ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Experian and XXXX XXXX XXXX sent this letter with all the other letters that Ive submitted on this portal. Still XXXX XXXX afforded NO CONTRACTS BEARING MY SIGNATURE obligating me to pay the debts they are reporting. Still has not placed notice of DISPUTE on my XXXX  and XXXX  and Experian file within 30 days violations of the FCRA. The Attached Documents are LEAVING THE DECISION UP TO YOUR BUSINESS to do the right thing and remove this inaccurate and unverified information from my CR. Thank you for your considering my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX , Transuion and   XXXX   are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX    XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.
Product: Credit card or prepaid card

I paid the card balance in full XXXX. Since then creditor added another XXXX dollars I was not aware of and reported account past due to credit report. I contacted them, paid the amount due and asked them to remove this from credit since I have always had auto pay and never had any issues. They refused and said they don't have a credit reporting department
Product: Checking or savings account

My name is XXXX and I am writing in high hopes that you will be able to help resolve a very concerning fraud claim that TD bank has failed to resolve the first time. I filed a claim on XX/XX/XXXX after I had been a victim of fraud. To my utter surprise, my claim was denied. I am disturbed that TD bank would reject a claim that has fraud written all over it and is of no fault of my own. I am also shocked that TD bank would reject this claim during this challenging time in our world and also since I have been a loyal TD customer for years. I submitted a second claim tonight, XX/XX/XXXX and plan to bring evidence ( screenshots of text messages between me and the hacker ) of this fraudulent situation to my local TD branch. Below is an outline of exactly what happened on XX/XX/XXXX. 

I received a text message from the TD Bank Fraud protection department asking if I recognized a charge on my card, which I did not. I called TD bank immediately, and as I was calling, received a call from the exact same TD bank XXXX ( XXXX ) XXXX number. Assuming it was fraud checking in with me, I answered. They sent me a verification code via text to ensure it was a TD representative ( with the exact number and wording that TD bank uses ). After this, they promised to reverse the funds that had been taken out of my account and asked me to type Y for yes to verify the " reversal funds to get the stolen money back into my account. Apparently I have been told by the bank that this was done on an app called XXXX and I had no idea what XXXX even is because I have never used or heard of XXXX in my life. Its shocking to me that these transactions have been processed without my authorization and that the bank is not there to protect me. I never at any point authorized anyone, including myself, to use XXXX with this account and was never notified by the bank that XXXX was being used with my account. 

The claim was at first denied because I had authorized this transaction, but it is clear that I was a victim of fraud since the hacker had so well impersonated TD bank. I am disappointed and disgusted that XXXX was taken from me and that TD bank claimed that I had willingly verified the charges when in fact I had blatantly been tricked and a victim to fraud due to the exact TD bank phone number and wording of the messages. 

TD bank has been awful in helping me resolve this problem - I have gotten little to no support or empathy for the loss of XXXX. I filed a police report and have another claim in, and I am hoping that you will be able to help resolve this case. 

I appreciate your time and consideration and look forward to hearing from you. 

Warmly, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry currently listed on my Trans Union, XXXX, and XXXX credit report is unauthorized and not my hard inquiry : XXXX XXXX Bank, XX/XX/2023
Product: Debt collection

I am filing a complaint regarding a debt collection account being reported by Midland Credit Management. 

I contacted Midland Credit Management to discuss the debt, but they informed me that they could not communicate with me directly, as the account had been referred to a secondary law firm, XXXX XXXX XXXX. Despite this, Midland Credit Management continues to report the debt on my credit report, and I have not been able to resolve the issue or verify the debt through them. 

When I reached out to XXXX XXXX XXXX, I encountered aggressive and intimidating behavior. A representative threatened potential court action, but I have not received any formal notice of a lawsuit. I believe these actions were intended to harass me into making a payment rather than engaging in a professional resolution of the matter. 

I also requested validation of the debt, as I am unsure of its legitimacy, accuracy, and origin. Neither Midland Credit Management nor XXXX XXXX XXXX has provided the requested validation or evidence that the debt is valid. This lack of communication and validation has left me unable to resolve the matter and clear up my credit report. 

I believe Midland Credit Managements refusal to communicate with me and their continued reporting of this debt, as well as the intimidating tactics of XXXX XXXX XXXX, may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting an investigation into this matter and assistance in ensuring that my consumer rights are protected.
Product: Prepaid card

I didnt get my u.s bank reliacard I feel someone stole it
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was opened   XXXX   XXXX   XXXX   for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement.and tried to resolved it for over 1 year.     The credit reporting agencies keep on reporting it as  Paid,  was a charge-off despite that the account was paid in full not charge  off ( EXHIBIT A ).  Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck.   In Credit report Agengies, it is stated as FP ( Fail to Pay ) as of  XXXX   XXXX  and I sent a letter to both  Creditor & Credit Agencies  ( Exhibit C ). The creditor sent a letter to confirmed that I made full payment to the creditor and invited to apply and gain a new card ( EXHIBIT D ).   The creditor agencies reported in my payment status as Legally paid in full for less than the full   balance ( Exhibit B ) which is wrong after getting my result of my complaint from CFPB.
The Creditor Agencies punishing consumer who exe  rcise their right to ask for fair credit report treatment by keep on reporting wrong information in the credit report. Please can you step in to help me resolve this problem which over 3 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report information on my credit report that they have sent me in writing confirmation that the items would be deleted ( see attached documents ). I have requested that the following addresses be deleted ( Equifax stated on the report dated XXXX.2018, confirmation # XXXX, that all of the addresses had been deleted ; yet when I pulled my credit report on XX/XX/2018, almost 120 days later, the addresses are still reflected as are accounts that companies instructed Equifax to remove : DELETE ( See attached report where Equifax stated these addresses were deleted : XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Delete : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) The above mentioned companies instructed all 3 bureaus to DELETE the entries ; however, Equifax has blatantly refused.

In summary, DELETE ALL AFOREMENTIONED INFORMATION FROM MY EQUIFAX CREDIT REPORT AND PROVIDE A NEW, FULL, CREDIT REPORT THAT REFLECTS THE OUTCOMES.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts do not belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

They claimed to be from Wells Fargo and some from South Carolina was trying to get a XXXX payment from me and I had stated no I did not know this woman and this man said he would stop it from going through issue me a new bank card and come to find out he was the scammer. I received the fraud detection alerts on my phone XXXX XXXX XXXX  and it says please call XXXX as soon as possible and that's exactly how it went down. On XX/XX/XXXXXXXX XXXX  to W F on XX/XX/XXXX XXXX # XXXX IN the amount of {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit Bureaus multiple times. I have. Sent them police report showing and trying to prove that there are accounts in my credit that should not be there. There is a personal loan with XXXX XXXX  that was fraudulent there is 3 credit cards one from XXXX one from XXXX  XXXX and one from XXXX  XXXX  XXXX  that should not be there. There is an auto loan with XXXX  XXXX  and another company that should not be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX To Whom It May Concern : I received a copy of my credit report with the intention to trying to improve my credit and take care of mu reasonability and noticed an account I wanted a little more explanation on. I am just saying that I am not 100 percent sure if it is accurate. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you to you all.

Are you familiar with something called 15 U.S.C.Sec. 1681i ( a )? I heard that if you can't provide proof. these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent correct. So, could you please check on these and get back with me? I saw on a credit site and board where this lawyer said you had 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or correct on them. 

Account : Account name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Please investigate, if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Transunion Consumer Solutions via telephone on the following dates when I noticed a collection that was paid reporting to my consumer report without my consent. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX amount : {$180.00} Ive also sent certified mail on XX/XX/2022 stating that the account was being reporting without my consent and as an inaccuracy. No help has been issued from their side but a response saying verified. This paid collection has been hindering my family and I from being able to build relationships with financial institutions because I'm being denied for credit. This is the only collection I have ever received and only collection reporting. 

I attached the letter that TRANSUNION replied with and my credit report showing the collection reporting. 

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1691 section 604 A section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My report shows late payments that dont match my typical history. Please fix these inaccuracies and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is letting XXXX report inaccurate information it has been past 30 days with no response from the company and they have failed to take action. The letter was sent certified XX/XX/XXXX and I have not received verification from the company by law this account must be removed. I called today XX/XX/XXXX and spoke to XXXX XXXX and she told me there is nothing I can do and agreed this information should be taken off my report but there was nothing she could do on my end. Equifax is reporting a past due XXXX dollars and has the account as opened as well as the monthly payment being incorrect. It also shows a balance of XXXX dollars when the account is paid. This is my last exhaust to remove this account from my credit profile it has had last effects on my personal life and me being able to move on to the next chapter of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. 

XXXX-XX/XX/18 XXXX-XX/XX/18 XXXX-XX/XX/18 XXXX-XX/XX/18
Product: Payday loan, title loan, or personal loan

I called riverbend on XX/XX/2020 to settle this account as paid in full since I paid the amount I borrowed plus extra. So far I have paid XXXX and there will be another payment coming out on XX/XX/2020 for XXXX. Which will make my total XXXX. I believe this is predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX, AZ Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to review my credit card with a financial adviser and I noticed these hard inquires that I have no clue of. We tried calling some of these places with no luck. They transferred us from one location to the next. Here is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX