23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I applied for employment with the XXXX XXXX company and was offered a position. They conducted a background check and credit report, which I agreed to. The company that provided the report is GIS. The only thing that showed up on that report was a criminal charge that was in public record. I have not been convicted of anything, as this is still an ongoing case. I spoke to the manager at the XXXX XXXX location that I was offered the position at and they informed me that, due to that charge showing up on that report, they were retracting their offer for employment. I contacted GIS to discuss this matter and they told me as long as it is public record they can report anything, regardless of conviction status. Also, the arrest date in the report is incorrect. I have been completely honest with XXXX XXXX throughout the entire hiring process. I disclosed all charges that I had been convicted of, which is all that was legally required of me according to my attorney. This report essentially makes me appear dishonest. Also, in the section on the report titled " Social Security Validation and Death Master Index Check '', the company reported that my Social Security number was issued between XXXX and XXXX. It was actually issued in XXXX. This report is riddled with inaccuracies and I consider it detrimental to my future employment opportunities with XXXX XXXX or any company that uses GIS for credit/background reporting. I have a child on the way soon. I can not afford for this type of mistake to hinder my financial future.
Product: Mortgage

During XXXX our home experience damage, {$20000.00} worth, the mortgage company stipulation on how the funds can be released were too severe and we could not fulfil the demand by the mortgage company. By the time I was able to move out to get repair started the mortgage company started back the repayment plan. I am now renting and they want me to start paying back the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - No documentation of this its false needs to be removed XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  accounts above XXXX violated my rig

hts 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 the consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Being told from Equifax and XXXX also XXXX that they cant remove these negative reports from from credit reports
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The XXXX bureaus are obligated to confirm these itemsunder Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected 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
Product: Debt collection

It has been 2 years since Northeast Recovery Solutions , LLC started contacting me for a fake debt. I had submitted 2 disputes already and they keep on telling me that im supposed to pay or they are going to make me pay for. I asked them the source of the debt i had and they said it came from XXXX XXXX XXXX, and I live in XXXX NC, Its almost 5 HOURS AWAY!. This is fraud and i called XXXX XXXX XXXX and spoke with manager and he said there was nothing in the system showing my name on, he put me on hold, and hanged up the call, i called again and they hanged up and they blocked my number.
Product: Checking or savings account

I made a transaction on XX/XX/XXXXat XXXX for XXXX dollars and some change which my bank MoneyLion took the transaction as a normal transaction. On XXXX I made another transaction with XXXX again for a different product for XXXX dollars and some change. So I canceled the first transaction with XXXX since I found the product I really wanted. My bank MoneyLion changes the date of the transaction which was XX/XX/XXXX and changes it to XXXX and holds the until XXXX. XXXX I check my account and the transaction is gone and the money wasnt put back in my account. I made sure my first order was canceled with XXXX before making the second transaction and I notified MoneyLion that XXXX already sent the money on XXXX which at this time the transaction was there and the representative confirmed. So now I contacted MoneyLion on XXXX and they can not find the transaction. This is not the first time this has happened to me with money being on hold and funds that where supposed to return never came back to my account. My question is can I take legal action against a financial institutions for stealing money because this is what they are doing. Ive had golds last a month in my account and When I call about it they disappear and MoneyLion claim they put it back. I watch my account and spending while and MoneyLion system is setup to where it doesnt show you the amount of money you have after each transaction like most banks. So I know for a fact Im not the only one having this problem because that alone shows no paper trail of misplace meant of money. The bank account only shows what you take out and deposit instead of the amount you have after each deposit and deduction. The complaint I have today I know they didnt put the money back and cant say they did because I took my money out after those transactions so the only thing should show is the adding my money back. I sent a picture of the transaction that was made on XX/XX/XXXXshowing it was canceled and not made on XXXX which is a transaction XXXX didnt make that they should be fixing since they are saying a transaction went in that day with that amount of money because it was not me. I even told them if I needed to make legal actions and I needed that info they change the date on me and I would look like a liar in court because my bank account says a different date form the real transaction date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. 

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor. 

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. 

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

Advance financial is the original debtor who turned me over to a collection agency called XXXX XXXX XXXX, XXXX. The balance is XXXX. The agreement was stated that if I paid XXXX they would write off the balance. I did pay the XXXX did not receive anything in writing of the agreement and they continue to hit my credit ever month for the last 8 years. The original debt is 7 years old but the collection agency has 3 years and 24 months. I am asking that this account be closed with good standing and removed from my credit report.
Product: Credit reporting or other personal consumer reports

While reviewing my XXXX and XXXX credit reports via XXXX there are several accounts that are more than XXXX XXXX XXXX. These accounts should have been automatically removed. I made requests to XXXX  XXXX and XXXX for the removal of the below accounts via XXXX XXXX but ALL of the requests were denied. 

The following accounts are more than XXXX XXXX XXXX and should have been removed : XXXX ) XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX ) XXXX - opened XX/XX/XXXX XXXX ) XXXX Bank XXXX XXXX - opened XX/XX/XXXX XXXX XXXX XXXX XXXX - opened XX/XX/XXXX XXXX ) Capital XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX  Bank - opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX  Bank XXXX opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 


Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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
Product: Debt collection

Procollect Inc XXXX XXXX XXXX, 2022 {$250.00} I recently reviewed my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, On XX/XX/2023 I sent a personal information letter to Experian to correct the incorrect information displayed on my consumer report. I informed them that my name and address was incorrect. I also that I wanted my employment information removed. I also included 15 USC 1681 ( a ) ( 4 ) as well to inform them of my privacy rights. 
They sent me an updated report with my name still wrong and old addresses are still on my consumer report. As well as my employment information is also still on my report. 
I sent a second personal information letter on XX/XX/2023 to once again demand that my personal information be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Debt collection

I was shocked when I reviewed my credit report an unknown collections from XXXX on my credit report. I am not sure how this happened, I believe this is inaccurate information on my credit report. And I haven't receive any information to dispute this allege debt.

However, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has me locked out of there system which I have the right to see and try to correct any wrong information on mine credit report. 

XXXX just sold XXXX student loans the end of XXXX that is world news they have reported on my credit report since XXXX? I want my points and this problem fixed. 

XXXX is requesting id bank state or other documents to verify address no utilities bills because I am homeless, fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting my account twice on my XXXX  report. They have different balances and payment information. I have only ever had one account with this company. I submitted a dispute with XXXX  but the company is saying that the information is correct. I sent a message to Lending Club and nothing.
Product: Credit reporting or other personal consumer reports

I pay off my car loan XXXX XXXX  with XXXX late payments from XXXX till XXXX but in my credit report showing late payments of couple months and thats hurting my my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested for correction of inaccurate information which another credit reporting agency found to be inaccurate and had corrected. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to CORRECT the items listed below : XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

THERE ARE BANKRUPTCY ACCOUNTS ON MY XXXX, XXXX AND TRANSUNION CREDIT RERPORT. THE SOURCE SAYS THAT THIS INFORMATION WAS OBTAINED FROM THE CLERK OF COURTS OFFICE. 
THAT IS NOT TRUE IM THAT THE CLERK OF COURTS DOES NOT PROVIDE INFORMATION TO ANYONE. 
THIS IS MISLEADING AND MISGUIDING AND INACCURATE INFORMATION AND NEEDS TO BE REMOVED FROM MY CREDIT RERPORTS ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NORTH STATE ACCEPTANCE DEBT COLLECTOR DIDNT VERIFY COLLECTION, NO CONTRACT, NO SIGNATURE,
Product: Payday loan, title loan, or personal loan

Ive been trying to get help for the last few weeks but have been unsuccessful. The website doesn't let me sign up or the phone calls have been nonproductive. Signed up for payments with Acima and they took a payment of {$32.00} and it was successful, however, the problem came when my bank sent me a new credit card with a new number. So, I called the company to update my new number so that my payment would be on time and uninterrupted and acima told me that my last 4 digits of my social security number that I gave them didn't match the one they had on file which was a shock to me. So I asked them could I just give them my new credit card number so I could pay it off and they told me no, I have to send them my social security card and drivers license over the email for them to verify my identity or I could not pay my balance and I would incur late fees. I don't want my credit to go bad as I have perfect credit. Im worried to send my personal info to them over email because it's not encrypted or secure. I told them I felt uncomfortable about that and they said that's the only way. I want to pay my bill off but they wont allow me to do that. I am stressed and over all of this. I want a resolution that does not involve me sending my personal info via email but they offered none other than that, XXXX couldn't help me either as they said they paid them off. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the court house asking if they reported my bankruptcy to the credit bureaus. I received a letter stating that they do not report bankruptcies to any entities. If that is indeed true how is it that the credit bureaus verified the bankruptcy action as 100 % accurate. The bureaus did not complete a fair investigation according to the Credit Report Act 15 U.S. Code 1681. 

15 U.S.C. 1681 section 603 ( 3 ) ( E ) states : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The credit bureaus also violated my rights given under Credit Report Act 15 U.S.C 1681 section 602 ( A ) ( 4 ). According to this law I have a right to privacy. 

Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

According to 15 U.S.C. 181 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

According to 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 beliefve that the information is inaccurate.
Product: Debt collection

I have contacted XXXX, Transunion and XXXX to notify them they are in violation for not entering a notice of dispute for this account that I disputed in XX/XX/2021 and XX/XX/2021. They had plenty of time and failed to enter a notice of dispute within the timeframe allotted by the FCRA. As usual, XXXX ignored me and continues to report this account as if they are not in violation. I also wrote XXXX directly with no response. Creditors and credit bureaus can not continue to violate and have no penalty or consequence for their complete negligence for consumer laws.
Product: Credit reporting or other personal consumer reports

Due to a major data breach my account and identity was compromised causing fraudulent accounts on my credit portfolio
Product: Credit reporting or other personal consumer reports

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing XXXX XXXX and I urge you to promptly correct it by ensuring my records are updated accordingly.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to request an investigation of the following information on my Transunion credit report : Dispute : The late payment for XX/XX/XX/XX/XXXX an obligation with [ XXXX ] is incorrect. 
Account # [ XXXX ] Date of incorrect reporting : [ XX/XX//XX/XX/XXXX to ( XXXXXX/XX/XXXX Explanation of my dispute : [ l paid the account and it should not have a missed payment. It is extending the statue of limitations by reporting false information.