23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received multiple summons to the court to pay for this debt that I have been disputing for years. I do not owe this debt with the debt collector or the original creditor. The debt is listed on my credit report by 2 companies that share the same website. The police have come to my parents home and to my home. I worry that they will show up at my job. The last document I received was tapped to an address that I no longer reside at however my old roommate notified me of the document and frequent appearances by the police in attempts to serve me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and need to have the following account and inquiries removed immediately.
Product: Consumer Loan

Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for CAPITAL ONE AUTO FINANCE to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

I originally contacted Experian via certified mail on XX/XX/2023 to dispute information reported to Experian by XXXX XXXX. The account numbers are XXXX, XXXX, XXXX, XXXX. The report number is : XXXX. I have disputed four XXXX  XXXX accounts on my Experian report that contains incomplete information. Credit reports must have complete information pertaining to up to 7 years of payment history. Status must be reported and updated every month to credit reporting agencies. I have notified Experian of the incomplete data twice. Experian updated these accounts following my dispute with incomplete data. Their investigation failed to update accounts with current information. This is a violation of FCRA LAW! I have the right now to seek damages for violation of FCRA law in federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted " XXXX XXXX XXXX  '' to remove the incorrect information of the account they closed that is being reporting as a " Charge Off '' negative account. I made yet another payment for the balance they claim that I owe and they have not honored my request to delete this incorrect account information from all credit bureaus to-date. Thus, I am asking that the all the credit bureaus remove this incorrect account information from my respective credit reports. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate date opened. my son was born on XX/XX/XXXX and it went delinquent before he was born. They lender must wait 6 month before the sell to a collection agency and the time is off by more then 6 months which reflects in a date open gap of 6-10 extra months ontop of the 6 month waiting period Opened XX/XX/XXXX ( 3 yrs, 11 mos ) Account status Open Type Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Credit Report score was not adjusted to represent items removed from credit report. In the XXXX XXXX I had XXXX negative accounts on my credit report and a score of XXXX. This XXXX XXXX XXXX accounts were removed and my score went up to XXXX. Several of the accounts removed were charged offs and foreclosures and my score only improved XXXX points. It appears that XXXX is not taking into account the delinquency reason/severity, such as removal of charge offs and judgements, in their calculations. Also, several companies that have negative information on my credit report do not properly reported the delinquency history of the account making it difficult to dispute an account. XXXX of the accounts is XXXX XXXX XXXX, which reported the account delinquent in the year XXXX. The account was opened in the XXXX XXXX. But no History appears for that year. Experian only allows to dispute an account once. After that XXXX time dispute the company makes it very difficult to dispute items. Experian does not have a contact email to write to them directly making it difficult to contact them. Phone calls are not the best method to contact a company since there is no paper trail to connect the customer with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card has been closed since XX/XX/2020 with no outstanding balance. After my credit card has been closed XXXX started to charge some kind of interest fees on a XXXX dollar balance and then started to charge late fees and additional fees. Now it has reported all this information to the credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are furnishing this account on my consumer report. 

XXXX Account Number : XXXX 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 instruction 15 u.s.c 1692c 15 u.s.c 1692b 15 u.s.c 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has deleted a credit card account thats in good standing over 2 years. This has caused my score drop about XXXX points recently. The card issuer is XXXX XXXX XXXX  XXXX. I have called trans union and they have no clue what Im talking about. This account is open and in good standing. Please help me get this back on my credit file.
Product: Credit reporting or other personal consumer reports

A Fair Credit Detailing Act ( FCRA ) violation refers to a violation of the government rule that governs the collection, distribution, and use of consumer credit information. You are expected to ensure that the information on my credit reports is 100 % accurate. I am entitled to compensation for this FCRA infringement because I have suffered injury as a result of it. Ideally, this compensation would take the form of DELETIONS ; if not, I will have to convey it to my legal counsel. I demand that these accounts be removed right away because they are not entirely accurate, as stated in my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Public Record on my credit report for a bankruptcy that does not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they sent me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. Please remove this item off my credit report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX, Acct # XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX has violated my rights under 15 USC 1681 section 602 A. states I have a right to privacy. 15 USC 1681section 604 A section 2 also states consumer reporting agencies can not furnish with out my written instructions.
Product: Debt collection

About 2 months ago, I received a phone call from Portfolio Recovery Associates. The claimed that I owed XXXX XXXX about {$500.00} and they were attempting to collect the debt. The person on the phone then said that they couldn't do much since too much time had passed. She then said that if they restarted collections, this would " reset '' the debt and that XXXX XXXX could attempt to collect on it again. I said that I doubted that I owed XXXX XXXX any money and hung up. 

On XX/XX/XXXX, XXXX XXXX withdrew {$5.00} from my checking account without either my wife or my permission. Two days later I received a letter thanking me for setting up a repayment plan with them for the XXXX XXXX card, paying back a debt of about {$500.00}, {$5.00} at a time. 

I did NOT authorize this plan. I did not grant Portfolio Recovery Associates to draw off of our joint checking account. 

I did have an arrangement with them for another debt, which I paid off. I believe the accessed my account information from there.
Product: Vehicle loan or lease

I bought a car and had it financed through Flagship Credit Acceptance. I made all payments on time until my husband lost his income, and we fell behind. I have had the car since XXXX of XXXX and my first payment was due In XXXX of XXXX. The car payment is {$980.00} per month. I have had the car for XXXX  months and I have paid a total of {$12000.00}, and I have had XXXX deferment. As of XX/XX/XXXX, I still owed my XXXX payment. When I called in to set up a payment of {$1300.00} for XX/XX/XXXX ( that would have taken care of my XXXX payment and part of my XXXX payment ) and {$1600.00} For XX/XX/XXXX. ( that would have completed my XXXX Payment ) I was told that they I was going to be XXXX months past Due in XXXX which is incorrect. On XX/XX/XXXX I would have owed for XXXX and XXXX but they are saying that I owed for XXXX, XXXX and XXXX which is incorrect. This has happened a few times where they say that I owe more than I actually do. I have screenshots showing that my XXXX payment was paid. When I added up the number of months that I have had the car ( XXXX  months to the monthly payment of {$980.00} should have been paid is {$15000.00} minus XXXX deferred payment the total that should be past due by XX/XX/XXXX is XXXX payments of {$980.00} x XXXX for a total of {$1900.00} not for XXXX payments of {$2900.00} which is what they are incorrectly saying is due. I have been dealing with this for months each month they tell me that I am caught up them they again tell me that I am XXXX days past due. The last person that I spoke with very rudely stated well the payments that you are making are going to interest which has nothing to do with trying to say that I am XXXX  months past due.
Product: Debt collection

My ex-husband texted me because a company called his wife regarding me. They stated I committed check fraud and her name was associated with my account and gave her date of birth and stated if they knew information about me to have her attorney contact them. I have a copy of the message. I called the company and they stated I committed fraud because I set up a payment arrangement within the last 60-90 days with a company called XXXX for a debt and it did not go through my bank account. I asked what the debt was and they told me once I made my first payment they would send the information. If I did not call them back by XXXX EST they would proceed with legal action. I have never received any information of a debt and the company XXXX is unknown. They never told me any more information. I asked them to stop contacting people and contact me directly and I want information on this debt. I had to end the conversation and they state if I do not contact them by XXXX today they will seek legal action.
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to JPMCB CARD regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accouns mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Debt collection

I have been disputing this collection for the past couple months. Experian has stated that this account was verified, but has failed to provide verification. The collector only provided me with a screenshot of an itemized statement of charges. They did not provide me with any original contract bearing my signature proving this debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report. I am a victim of identity theft due to a data breach, and the following accounts and inquiries were not authorized by me. 
Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the prompt blocking of the following information from my credit report : Fraudulent Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$720.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$24.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2900.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX/XXXX  - XXXX - XX/XX/XXXX - {$4200.00} Unauthorized Inquiries : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address fraudulent accounts on my consumer report that were linked to identity theft without my written authorization. These accounts have caused significant emotional and financial distress, inaccurately representing my credit history and hindering my ability to achieve important financial goals like purchasing a home.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and delete them immediately in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Ive had issues with my identity being stolen and there are several collection accounts I have tried for years to have removed. One from XXXX XXXX XXXX and two from Credit Corp Solutions. I have filed police reports on the accounts but company and reporting agency verify them as accurate.
Product: Credit card

I am a victim of identity theft and someone stole my US Bank Visa credit card and made fraudulent charges on my credit card account. I have sent numerous letters, police reports and copies of my personal identification to US Bank and informed them someone stole my US Bank Vise credit card and made fraudulent charges on my credit card account. US Bank informed me that I am responsible for the fraudulent charges. US Bank is violating the Federal Fair Credit Reporting Act. I wo n't send any further correspondence to US Bank in reference to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just recently submitted a complaint by the CFPB to Transunion on an account by XXXX XXXX Transunion was beyond the 30 day limit for validation of this account under the Fair Credit Reporting Act and have decided to open a new Investigation beyond the allotted time to verify this account, I have sent them numerous documents in the past including a XXXX Police Report for Identity theft and FTC Identity Theft Report but TRANSUNION just keeps verifying this account despite all STATE AND FEDERL LAWS, they have elected to ignore all FDCPA and FCRA laws and have not shown any methods used to verify this account including to whom they spoke with, time an Dates, and what documents used to substantiate they're claim. I am uploading the previously sent documents to Transunion as it pertains to this old matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, 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
Product: Credit reporting or other personal consumer reports

Recently the Consumer Financial Protection Bureau filled a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports, I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report incorrect information on my consumer report that is causing me harm. There are several inquiries on my report that I did authorize and theme credit bureaus should not have allowed these companies access to my information. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX OF XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX OF XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card

I submitted a dispute XXXX XXXX and got a response XXXX XXXX that XXXX reversed a late payment that was reporting through XXXX on XX/XX/year>. I need all credit to report that this payment has been removed.