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

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXXXXXX XXXXk # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and the transactions listed were not conducted by me. The fraudulent activities include accounts with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I did not authorize or initiate any of these transactions, and I have taken steps to report the identity theft to the relevant authorities. Please investigate and take the necessary actions to resolve these unauthorized activities.
Product: Payday loan, title loan, or personal loan

I sold my house to pay for XXXX school and received XXXX in escrow from title. I was told at the end of my process the final payout was XXXX total with XXXX going towards my new house. I got XXXX and 8 days later I am being asked for XXXX back because title over paid me and made a mistake. I applied ALL the funds towards my XXXX school and am being harassed to pay the money or they will be withdrawing my entire XXXX that was paid. I have no idea how I am at fault for this and why Im being asked for money that I was told was mine 8 days after my money was given to me?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 ) ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not verifying the debt. They let these companies send in anything and tell me it was verified. I ask for proof from both the companies and Experian and I have yet to receive Verifiable proof ( Signed Contract ). I am an Identity theft victim. I am trying my best to clean up this mess. I submitted my dispute in writing and the next day Experian told me all of these accounts were verified. This is a clear violation of the FCRA. They have not supplied me with Verified proof. I have asked the companies and the credit bureaus and no answer just letters telling me it was verified they are allowing companies to send in false information which is fraud and illegal. I want these accounts removed from my credit report immediately. They have 30 days and the companies in question have ignored all 3 letters I have sent out. I then brought it to the credit bureaus ' attention just for them to tell me in 1 day it's valid.
Product: Debt collection

This company Credit Services has violated multiple FDCPA and FCRA statues in their attempts to collect a debt that is not owed by me. They have illegally reported a false debt to the consumer reporting agencies without fisrt trying to get ahold of me the consumer as they proceeded to park a un-verified debt automatically to my consumer credit reports using my personal non- public financial information which is against the law. 

I submitted to Credit Collections services a Refusal to Pay / Cease and Desist letter which is attached to this complaint and they still are doing collection attempts and communicating to third parties about a allege debt in my name. Credit Collection Services eill be name as litigants in my upcoming FDCPA / FCRA lawsuit.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests for verification under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX has failed to provide valid documentation substantiating the alleged payment received in XX/XX/2020 and to remove an outdated account. 

This ongoing misreporting is severely damaging my creditworthiness and constitutes a violation of federal consumer protection laws. Under Section 611 ( a ) ( 7 ) of the FCRA, you are required to provide the method of verification used to confirm this information.

To date, I have received no such documentation.

The name of the individual who verified the dispute with the original creditor. 

A copy of the documentation used to verify this outdated charge-off, including proof of the alleged payment in XX/XX/2020. 

A full description of the reinvestigation procedures, as required by law. 
Failure to provide this information within the legally required timeframe obligates XXXX XXXX XXXX XXXX to delete the inaccurate outdated charge-off from my credit report under Section 611 ( a ) ( 5 ) ( A ) of the FCRA. If XXXX XXXX XXXX XXXX can not verify the account with documented proof, it must be removed immediately. 

Provide a written response confirming the removal of this account or the requested documentation verifying its accuracy and update as this account is outdated within the required timeframe is requested.
Product: Debt collection

i am writing to request documentation on an account found on my consumer report. i am seeing bullcity financial solutions reporting a debt that has never been validated. I have never seen any chain of title verification/validation or agreement that i ever did business with this company. i have also never received the mandatory privacy disclosures that would be required to share my private information. i ask that a full investigation be done or the debt be deleted Immediately. 

in this investigation as required by The truth in lending act i want to know who swears under the pains and penalties of perjury this is correct. a copy of the signed agreement and proof that all disclosures were sent as required by law. i expect chain of title, proof of purchase and claims release for any debt allegedly bought.
Product: Debt collection

I have been disputing Convergent Outsourcing for several years. I never received any notice of the debt or validation that I owe the debt. XXXX removed the debt by XXXX and another debt collector. Convergent appeared and I immediately took action. The issue is with XXXX and XXXX. No matter what I do Convergent will not work to validate a debt I do not owe. I even called XXXX and the gentleman I spoke with said there was nothing they can do. My credit is flawless. I do not have any late payments etc. I owe no one anything! Convergent Outsourcing claims I owe {$530.00}. I was going to pay it just to get them off my back but I do not feel its right to pay someone for something that is not yours.
Product: Credit card or prepaid card

Today on XX/XX/2018 I have found a money saving tool. XXXX this is a great way to help me know that I am spending to much money compared to what I make each month. I got this credit card to help build my credit as well as having extra money when unexpected problems pop up. This website needs access to my spending history to tell me when I have spent to much on food shopping and so on. I would love for this problem to be fixed! Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters to all three credit bureaus to have the bankruptcy taken off my report because its causing me a world of trouble. As of today XXXX took the bankruptcy off my report but XXXX  and Experian will not follow suit. This should not be reporting my my credit report because they cant verify the information. I want this deleted!
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA . According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX  XXXX, nor did I provide written consent for my credit report to be accessed. 
By committing this act, you are also in violation of 18 U.S.C 1028A is a section of the United States Code that addresses aggravated identity theft because you have possession of my information and are using without my consent.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. XXXX of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX. XXXX  XXXX XXXX As required by 15 U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Capital One is trying to sue me for a credit card debt that I did not apply for the credit card. My ex-wife opened up several credit cards in my name unknown to me. When going through divorce proceedings I found out she had opened up several cards in my name without my consent or knowledge. The divorce degree says she is to pay these as she is the one who fraudulently opened them up by signing my name for the cards. I also tried to make a police report but was told since it happened in XXXX   it was too late to do the report. Captial One is now trying to sue me for the funds of {$1200.00}. The person I called said I knew about it and that I admitted that I knew about the cards to them which is false, I have never told them this was my debt, I have always maintained it was my ex 's debt. I'm concerned that they are opening fraudulent credit cards from people who have gotten other people 's social security numbers. I'm not sure what else to do. I don't have a lot of money for lawyers to fight this but it is not my bill, it is my ex 's.
Product: Credit reporting or other personal consumer reports

This account was reported on XX/XX/2024 in the amount of {$620.00}. I advised that this account was opened under my name fraudulently and I also stated that I may have been sim swapped. The company has refused to remove this from my credit report and continues to harass me with phone calls, emails, and text messages to pay a bill that does not belong to me. This was reported under a police report XXXX.
Product: Credit card or prepaid card

I have written to TD Bank several times concerning the TD Cash Visa Signature Card ending in XXXX - This is a closed account but they keep adding finance charges and late fees monthly to this account. Its now up to {$100.00}. I closed all my TD Bank accounts on or about XXXX or XXXX, 2023 and was not aware that this one account was still open and active. On or about XXXX, 2023, I received a letter from TD Bank indicating an amount of {$76.00} was due on this credit card ending in XXXX. I called the bank to inquire about this charge and was informed that XXXX charged this card {$4.00} in XXXX, 2023 and again in XXXX, 2023 {$4.00}. I immediately paid the this charge of {$9.00} under reference # XXXX and requested the bank waive the finance charge and late fees. They refused. Furthermore, I also informed XXXX not to charge this account any further. However TD Bank is continually charging this account late fees and finance charges. I paid what was due when I became aware that XXXX was charging this account and feel its unreasonable that TD Bank keeps adding monthly finance charges and late fees to an account that is no longer active. I am hoping you can provide me with some relief to this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact XXXX XXXX XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Debt collection

I paid everything off and close the account. 
After 2 year they said I owe more money
Product: Debt collection

Dsg Collect keeps calling me stating that I owe money for tuition from XXXX XXXX XXXX a former employer of mine ). I have consistently stated that I do not owe the money as the training was required for the job I had with XXXX XXXX. I finally received a letter from XXXX XXXX in XXXX 2015 stating that I did not owe any money and that any debt collection agencis have been notified that I do not owe anything. I received a call from DSG collect again XXXX XXXX, 2015. I told them again I do not owe any money and now have a letter from XXXX XXXX stating that fact. They gave me an email address to send a copy of the letter to which I did that day. I received another call from DSG collect on XXXX XXXX, 2015 stating again that I owed money. This time the person tried to tell me they were an employee of XXXX XXXX. I quickly found out it was DSG again. I told them I already sent the proof I do not own but they stated they did not have that record and that they have made a negative report to my credit rating. I asked where I could send the letter to that I do not owe and was given the same email address as before. I sent the proof that I do not owe again.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

I have previously disputed this bankruptcy with transunion and in response transunion verified the item as accurate, stating that they ( transunion ) have verified the bankruptcy with the court. I contacted the courts and the response was mailed to me via usps from bankruptcy court. I mailed the response certified USPS mail along with other documents. It is clear they do not report to NO credit reporting bureaus nor do they report to third party companies for that matter ; therefore transunion original response verifying the bankruptcy with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and the information must be deleted immediately! XXXX XXXX is a third party agency and they can not verify anything! XXXX XXXX did not verify anything with transunion.
Product: Credit card or prepaid card

Capital One does not follow payment instructions written on my checks ' memo line. My payment for XXXX XXXX was received on XX/XX/22, the last day of the XXXX payment cycle. Instead of following the instructions written on the check & billing statement that this pymt was for XXXX, they applied it to XXXX. This resulted in me being charged a past due fee in XXXX. The company refused to credit my acct for the late charge on my payment, which was actually an early payment. At this point I don't even care about the {$40.00} penalty. This is now about principle, they can't charge a late fee for their error on an early payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all 3 bureaus and still I have these unrecognized items on my account. No documentation has been received and additionally they are reporting completely different things within date last active, last reported, date opened, and high credit amount. This is nearly half of the items being reports. Please delete these items. 

XXXX : Account number : XXXX, Last reported dates should be the same per bureau. XXXX is showing a Last Reported date of XX/XX/2022, Experian showing XX/XX/2022, and XXXX is showing XX/XX/2022. Moreover there are discrepancies with Date Last active where all dates are inconsistent. Date Opened is different between XXXX and XXXX / Experian. High Credit Amount is different between XXXX and XXXX / Experian. Due to me not recognizing this account and not having any documentation with the account, please delete this account. 

XXXX XXXXXXXX : Account number : XXXX, Each bureau is showing a different Date last active. Date Last Active is showing XX/XX/2022 for XXXX, Experian is showing XX/XX/2022, and XXXX is showing XX/XX/2022. These are all in complete different months. Lastly, there are discrepancies with Date Opened, and Date of Last Payment. All of these items should be the same, please delete this or fix it and show me documentation that this account exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hold Experian very liable for the poor representation of my credit. I have requested numerous of times to be shown proof of this fraudulent activity that keeps being updating to my consumer report without my permission which I firmly believe is a violation of the FCRA. The creditor XXXX XXXX  charged off my account XX/XX/XXXX and collected on the account as a tax write off but never sent me a 1099-c which by law I should have. Experian only reports what is given to them without concrete evidence of the situation that ruins the consumer ( me ) credit that I hold very important to my life, also my closed off XXXXXXXX XXXX XXXX  loan keeps reporting late payments that are also fraudulent, I was never late on payments. Experian was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I believe every time I send Experian a dispute about this situation they always send my report back as verified which is a violation of FCRA because they never send verifiable proof of who they spoke to or how they get this information. The privacy Act of 1974 guarantees my right to see records about my personal information, subject to the act 's exemptions. I can Correct a record or records that is inaccurate or incomplete unless it's exempt. The deceptive information that is being given out freely to other business about my credit is very disrespectful to me to the law according to the privacy act. Experian violates the law in so many ways when it comes to my consumer. I believe the FCRA states that Accuracy and Fairness should be followed and none of that is being practiced here, this account needs to be deleted at once, example, my charged off credit card from XXXX XXXX is reporting the wrong account number, date opened, last reported, high credit, etc, XXXX erased this account years ago and XXXX is facing litigation dealing with this inaccurate information. When I go apply for things or a new home I am told you are denied for approval because of this account which keeps reporting unlawful behavior. Litigation will be sought out if this matter is not taken care of.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed that I am a victim of identity theft. Please remove the accounts listed in the report from my credit profile.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX