23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have been having a problem with your credit reporting department. There is some information I been asking for on three acounts. I am in a chapter XXXX bankruptcy by law I need the chapter XXXX trusses approval. I don't have that. And no one can provide the letter that states I can have this debt. Please contact you credit reporting department and have this removed. And not show up again. I attached the debt that need to be removed and not show up ever again. The acounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you
Product: Debt collection

Amsher Collection Services was placed on my credit without any prior notice or knowledge of any debt. I never signed a contract with this company or am bound by contract with this company. I contacted them and they said that XXXX XXXX an attorney was handling this alleged debt. This is not the information reported on my credit report and I believe all information to be false. When I filed a dispute, the company changed the way its name was prior. Please remove this information from my report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to adequately protect my personal identifying information, then compounded the issue by failing to encrypt the data in a reasonable manner that would protect it in the event of a breach. This has led to an incredibly high likelihood that the necessary information to steal my identity has suffered a permanent exposure. 

After discovering the breach, Equifax ( XXXX XXXX, XXXX ) waited over a month to announce that the event had occurred ( XXXX XXXX, XXXX ), and then is requiring the affected consumers ( 143 million ) to jump through hoops in order to freeze their credit and protect themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 15 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 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Debt collection

I have an invoice from the company, XXXX, the actual date that the debt was acquired and if you look at their information, each debt that was acquired on the same day has a different date that the date was acquired. The actual company is XXXX  XXXX  and they sold it to portfolio XXXX, which is not authorize by me to have my debt my is with XXXX XXXX I required the information from XXXX XXXX  but they informed me that the information was shredded and they no longer have it after XXXX years which I know that they sold my information to portfolio recovery and XXXX or recovery is not answering phone calls not giving me the proper information and I sent the certified letter. I also talk to the fraud department with portfolio recovery, and they refused to give me the information as well, I will leave a copy of my invoice stating that this company is not who I required the debt with and Im asking for this debt to be deleted off my credit report
Product: Credit reporting or other personal consumer reports

I mailed in a dispute letter because During the pandemic I had hardship due to loosing my job. I made accommodations with XXXX, and was assured the account would remain good standing during this time frame. 
Under the XXXX XXXX, I was entitled to certain protections, including forbearance options and relief from adverse credit reporting for accounts in good standing prior to the pandemic. I requested that these late payments are removed from the accounts and updated. These late payments are severely affecting my ability to obtain credit and are violating my consumer rights. 

I received notification from XXXX that my dispute was complete and that these late payment would remain on my credit report, but they did not send me anything in the mail showing proper investigating into this matter or who they spoke with at XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX XX/XX/year> ) has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 


In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. ( The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, This ground for removal they also violated my rights under 15 US C 1681 section 602 A. ) States I have the right to privacy. 154.0 9 1501 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and Experian for failing to investigate my disputes regarding inaccuracies in my credit report properly despite my submissions. XXXX and Experian consistently respond in 24 hours, stating the accuracy, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which mandates a reasonable investigation of the dispute. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

We had a company called XXXX XXXX XXXX XXXX XXXX ) called a Credit company that would set us up for a 12 months interest free loan .They required credit pull & our debt card. 
in XX/XX/XXXX we received a charge for {$290.00} directly from my Bank account from XXXX XXXX as a debit, the Company was XXXX XXXX  ( never heard of them ) we disputed that charge, and continue on to pay only patient Fi over the next 11 months as the only Loan company we know, and paid off the Debt in full in less than 12 months ( attached paid in full letter ) dated XX/XX/XXXX. 
Since XXXX this year we have been called dozens of times and letters sent ( most attached ) They have very sincere it seems like but nothing resolved and feel harassed now. 
please advise. 


Thank you, XXXX XXXX XXXX XXXX
Product: Checking or savings account

My card was hacked and funds were stolen off my debit card XX/XX/XXXX of XXXX, while I was at work the entire day. In XXXX XXXX, When I got off work to try to get gas my transaction was declined, I tried a lesser amount because I needed gas but I knew I had just added funds to my debit card. I called my bank to see why my card was denying, and to my surprise all my funds had been used in my account. The money that was taken off my debit card was all the money I had to my name. I submitted a dispute to the bank immediately. As soon as I called them the representative told me my card information had been stolen from the atm I had just deposited Money at. He also told me that my card was used at multiple stores in XXXX XXXX XXXX. The money I deposited in my account was all money I had to my name and the bank is now denying my claim. school has just started I have no money to purchase my daughter clothes for school, no money to survive until my next pay check and the bank is saying my claim is closed and they will not return the funds back to my account. They have information that shows my card was used at multiple locations all while I was at work in an entirely different city. I put my money in the account thinking it was safe now I am out of almost XXXX dollars, please reimburse me my funds! I need my money! Please explain to me how you came to a decision to deny my claim when I had nothing to do with my money being stolen of my debit card! please re evaluate this case because I need my money! I have attached documentation to prove that I was at work the entire time the funds were being stolen off my debit card.I also attached the police report I made about the funds being stolen off my debit card.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX l, and I am writing to dispute fraudulent inquiries that appear in my credit report. Recently reviewing my credit report, I discovered fraudulent inquiries that I did not initiate. In this matter I create an account and filled out an Identity theft report. ( FTC report number is XXXX ). 
The details of the fraudulent inquiries are as follows : XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Copper state financial filed lawsuits against me for debts and amounts I have never owed to them. I have been going back and forth  with them since 2011. The information has been removed from my credit report because they are unable to show proof of my debt. They did however get a default judgement since I was unaware of a court date. The debt is false they just keep sending a paper with my signature that I signed after a debt collector told me if I did n't sign it I would be placed under arrest for theft. This paper was signed a year after the company claimed I owed them money, no original paper work has ever been provided with my name or signature. I was truly afraid I was going to jail and had 4-5 calls a day threaten ing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX Company Inquiries : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had a balance of {$27.00} on my Barclay'sXXXX VIP credit card. 
I tried to pay the bill 4 times. Each time I receive an email stating the bill was paid. 
I had tried to enroll in Automatic Payments without success, even though Barclays said I was enrolled in Automatic Payments. 
Finally, I had a rep from BarclaysXXXX set up the Auto Pay on XXXX. The reps name : XXXX confirmation # XXXX On XX/XX/XXXX I received an email from Barclays stating that I made a payment of {$27.00}. Then I received an email stating I had a bill of {$27.00}. 
On XX/XX/XXXX I received an email from Barclays stating that I made a payment of {$27.00}. Again, Then I received an email stating I had a bill of {$27.00}. 
I kept trying to pay this bill on time. Each time Barclays said it was paid via email, only to be told it was not paid. 
Finally on XXXX a rep from Barclays told me to pay via a Debt card. He said he did not know why I could not pay via my bank account. I have had the same bank account # for 30 years. I pay all my other bills via this bank account # without any problem. The bill was finally paid, but even after I CLOSED the account is show it shows I have a payment of {$27.00} on XXXX. Barclays has an accounting problem with their credit cards. 

Before this started I has a credit score of XXXX to XXXX. Now it is in the XXXX 's. Barclays report to the credit bureaus I was XXXX  days late.
Product: Money transfer, virtual currency, or money service

Ive been applying and applying over and over for a long time since the original day of Apple wallet Apple Pay originating I have been denied every single time and I just its gotten to me it hurts my feelings and I dont like it
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year 2018 I pulled my credit report, due to the fact that I was looking for credit. When I pulled my report from all three credit reports, I noticed that there was errors, and information on my credit report that was fraud, and, incorrect information being reported. I then started the process of trying to fix information on my report as, I found out that I was a victim of Idenity theft and, also my credit information from Equlifax was breached, and was never notified by Equlifax. Someone was using my information to open accounts, at different banks, and so fourth. 1. XXXX XXXX  XXXX 2. XXXXXXXX XXXX XXXXXXXX XXXX. I sent Equlifax the Identity theft report and, my Driver Licsene, my Social Security Number a bill to prove who I was. I also filed a FTC Identiy theft report, along with the police report. I disputed these accounts and, they were removed. Now I checked my credit report with all three credit companys, and they have been helpful with fixing everything, except Equlifax, they put back on my credit report XXXX XXXX  and, XXXXXXXX XXXX XXXX XXXXXXXX which I never had these accounts they were reported as, fraud. Equlifax did not even send me a letter letting me know that these fraud accounts were put back on my reort. Equlifax, or the furnisher, XXXX XXXXXXXX, and XXXXXXXX XXXX XXXXXXXX XXXX 120 days from the time I filed these accounts amoung others as, fraud enough time to explian why these fraud accounts were placed back on my credit report. According to FCRA 611 ( A ) ( 5 ) ( b ) THESE ACCOUNTS WERE DELETED CAUSE OF THEFT. It upsets me that Equlifax is so careless about my credit report.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, a natural person and this is me physically sending this dispute. 
I am writing to dispute the recent hard inquiry placed on my consumer report by your agency, as it violates several provisions of federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, your agency is in violation of consumer rights laws by using false, misleading, and deceptive means. By furnishing this account to consumer reporting agencies without providing the required disclosures, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I hereby request that you remove the hard inquiry from my consumer report immediately and provide me with the necessary validation information as required by law. Failure to do so may result in further action to protect my consumer rights.
Product: Debt collection

On about XX/XX/XXXX I received a document in my mailbox. It was from a debt collection agency, XXXX XXXX XXXX. It stated I owed them {$810.00} a XXXX  debt in my name. I disputed the debt and checked the box, and asked for a verification letter. I also included a letter explaining I had my bank statements going back to XXXX, showing all my monthly phone payments. And letting them know I have been with my current cell phone provider for over 7 years. I never heard anything back from them, they never sent the verification letter... nothing! 
Then shortly afterward ( around 5 days ) another debt collector showed up on my credit report. Their name is Amsher Collection Services, and they never sent me anything. Now they, Amsher Collection Services, are all over my credit report. I think they are in some sort of partnership with each other. All I can say is these two debt collectors have made my life miserable, just because they could. I have spent many hours trying to figure out what to do. Shouldn't they have to provide at least some sort of proof? I can not imagine how I ended up in this situation. Thank you for taking the time to read this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was made aware of a credit card account open in my name in XXXX which was later closed for account abuse and left unpaid. Since then my name has been reported to XXXX contribution ref # XXXX with XXXX XXXX The account was opened fraudulently without my knowledge tied to a phone number XXXX which is not mine, and an address i do not and have not lived XXXX XXXX XXXX XXXX XXXX ca XXXX.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX DEPARTMENT OF EDUCATION XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXXXXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights 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 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: Credit reporting or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as a notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!