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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX-2018 I was advised by a law firm that my salaries were being garnished in XXXX County, GA, a county I have not lived in for over 23 years. I went to the county 's public records and XXXX XXXX  XXXX, XXXX filed an Affidavit for Continuing Garnishment and for disbursement funds to be issued to XXXX XXXX ( Attorney for Plaintiff ) -Bar # : XXXX, Tel : ( XXXX ) XXXX. 
I have not been notified of this ganishment ; I do not have any outstanding debt with XXXX XXXX XXXX, XXXX. ; the address Portfolio provided to the XXXX  County magistrate court for XXXX XXXX ( my employer ) is false, as it is instead the address of the courthouse in XXXX County. 
All of my outstanding debts are in good standing. It seems Portfolio is attempting to collect on a debt that has either passed its statute of limitations-as it is no longer on my credit report, or one that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent letters out on XX/XX/2022 and XX/XX/2022 to the bureaus, XXXX, experian, and XXXX it been over 60 day and no replay. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


1. Validate Account XXXX XXXX PROP XXXX CO Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX COMPANY Account Number : Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. Validate Account XXXXXXXX XXXX XXXX Account Number : Please remove it from my credit report. 

6. Validate Account XXXX Account Number : Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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

Transunion has continued to not correct my report and remove the XXXX  as instructed by XXXX I have provided the documents many times and yet on XX/XX/24 they send me back a response reported as accurate which its not! They continue to make up reasons behind it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request to you to remove the disputed accounts and information that resulted due to identity theft. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have had been paying the mortgage on my home since XX/XX/2009. Shortly after my ex wife and I divorced, she filed Chapter XXXX bankruptcy. I kept the house and continued to make my mortgage payments. A few years later, I had to file XXXX XXXX because of some of her debt that had been sent to me. My XXXX XXXX has been XXXX for almost a year. My mortgage company refuses to report to the credit bureaus that I have been making my payments. It is affecting my credit and I can not get pre approved for a new home loan if I sell this house because of it. I have been in contact with them numerous times and they refuse to report, even though my Chapter XXXX has been XXXX. On my credit report, it even shows a balance of {$0.00}. They are now telling me that they will not report because of my ex wife filing Chapter XXXX, even though I was awarded the property in the divorce. They are telling me that I will need to refinance and it will cost me several XXXX more dollars. I do not think that this is fair because I have been making payments on my house this entire time. It is extremely frustrating when I am trying to do what is right by making my payments and I get this response from them. I would like some help or guidance on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ERRORS IN MY REPORT. XXXX XXXX XXXX290.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX$1300.00} XX/XX/XXXX. XXXX XXXX XXXX {$630.00} XXXXXXXX XXXX XXXXXXXX {$35000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX$700.00} XX/XX/XXXX. XXXX XXXX XXXX {$890.00} XX/XX/XXXX. XXXX. XXXX XXXX {$930.00} XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I have never heard from this company of any kind. I have not been contacted at all via phone, mail or email. This company has failed to contact to me. I have never heard of this company at all and never authorized an account to be put in my name at all
Product: Mortgage

I have monthly mortgage payment of {$2500.00} which is normally drafted on XXXX of each month. I have also set up auto pay on the mortgage company side where it was fine for the last couple months. 

However, for this month XXXX, I did not see the bank deducted this payment on XX/XX/XXXX. I was concerned the payment did not go through and then called the XXXX XXXX  who told me the payment was went through and no late fee was charged. 

On XX/XX/XXXX, I called XXXX XXXX again, received the same word. I made another payment {$2500.00} which went through on XX/XX/XXXX. 

On the same day XX/XX/XXXX, I was charged {$120.00} Late Fee, which I don't think it should happen. 

I called custom service again, where I was told the XXXX payment was returned and late fee was charged and they submitted a request to managers to avoid the late fee. 

Later, I wrote a email to them explaining what happened and include a screenshot of my bank showing that there was sufficient fund on XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from them telling me that they retried the payment on XX/XX/XXXX and it was not success, therefore the late fee can not be avoid.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, 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, and XXXX XXXX  regarding accounts on my credit report that I do not recognize.
Product: Checking or savings account

Opened checking account XX/XX/year> under {$200.00} checking promotion Bonus not received on XX/XX/year>. Called around XX/XX/XXXX and submitted research ticket. No results of ticket as of XX/XX/year>. 
Went into local branch on XX/XX/year>. Employee checked system and called in to bank of America. Bank refused to honor bonus for not meeting qualifications. I actually did meet qualifications by depositing {$2000.00} from my employer within 90 days of account opening. I regret trusting this bank.
Product: Debt collection

In accordance with my rights under state and federal fair debt collection laws, including the Fair Debt Collection Practices Act ( FDCPA ), I hereby request that you cease and desist all oral and written communication with me, as well as my family and friends, regarding any and all alleged debts you claim I owe.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

hello, i sent a validation letter to iq data an to all three credit bureau. i never got a validation letter from the debt collector to say what i owe an documentation, then the credit bureau said they validated it. how can that be when the debt collector cant even validate the debt. then i looked at my report an i see outrageous interest charges. it went from XXXX to XXXX an the interest charges keep going up an down every month. i know that's against the law. an on my credit report it says there an attorneys. this company has broken lot of fcc laws an keeps breaking them when reporting false info on my credit report. how do you send a validation letter to a XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$150.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2100.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$930.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$260.00} Open Date XX/XX/XXXX XXXX
Product: Debt collection

I never did business with the company BULL CITY FINANCIAL RE : You violated the United S

tates code law 15 US code 1681B permissible purposes of consumer reports ( a ) in general subject of subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on the letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to increase a line of credit with chase. I gave the person in the secured chat my information. I also gave them the number of how much I wanted to increase my limit by. I specifically told them I dont want a hard inquiry on my credit report so if the amount requested will result in an inquiry, lower the amount. They continued to run my credit unauthorized. And did not message me back after I told them about it
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( XXXX  ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX Address ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Employers XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX, CA, Employers : XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got off with a rep from Transunion and verified who i am. they did not know why i had to even do that. they said you received my dispute request and its in progress what the XXXX is going on over there. 
you close my first complain saying need auth and your rep didnt understand why. This investigation is taking to long. Below is my initial complaint and attached is the items i have sent for my dispute to be completed I am submitting this complaint due to no communication regarding a status on a investigation. I wrote Transunion on XX/XX/2021 reporting 4 inaccurate items on my credit report. I provided everything they need for a investigation and again I am supplying it her in this complaint. I sent another letter on XX/XX/2021 to see if I can get a response in writing. We are now 45 days since my first complaint and still nothing. Again, it's been 45 days since my first request and this company keeps reporting inaccurate information in my credit report. This is a clear violation of the FCRA.
Product: Debt collection

Midland Credit Management has harassed me even after I told them to stop calling. They also are reporting false information as I paid off another of my XXXX Credit Card they are not taking off the balance. They continue to call even when I tell them to stop they just hang up the phone and call again a few days later they send letter after letter in mail and harass me to the point where I can't even get normal calls for work. I got call records and audio where I asked them to stop as I started to record every call I answer now with an app that auto records.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, I'm attaching the letters I sent you last XXXX/XXXX/2022, including a copy of my ID for identity verification. Its been over a month now but you still havent complied to my request and the errors on my report has not yet been removed. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer. I will seek monetary compansation should you continue with you non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX Date XX/XX/18 Experian stated that XXXX XXXX XXXX XXXX is a mail drop or delivery service etc. 
Experian also states it as a non residential Address and perceived as a high risk. 

Experian has error after error and did not justify or provide any proof of this not being an address. 
I have provided proof from XXXX web site as insurance policy I had on my car insurance stating this address as well. 

Experian has the habit of just making up words on complaints with no proof or documentation. 

XXXX at XXXX XXXX XXXX XXXX Nevada XXXX XXXX office # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was very past due for quite sometime due to loss of income. I started making multiple payments per month starting in XX/XX/XXXX to resolve balance. I disputed the total balance because it was still reporting late and as if I was n't making payments. Company updated saying information was accurate and actually increased the balance due after updating a couple of the posted payments which was incorrect. I then re-disputed with credit bureaus with dates payments were made and amounts. As of XX/XX/XXXX the account was paid in full. Today I received an update to my second dispute as the company stating accurate info ... Open {$550.00} past due as of XX/XX/XXXX and now 180 days or more past due.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, CA XXXX Hello, I am writing to formally request an assignment of contract regarding the debt that was purchased by your company from the original creditor, Account # XXXX and Account # XXXX. I respectfully ask that you provide me with a copy of the assignment contract, along with any supporting documentation that confirms your ownership and right to collect this debt.

As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am entitled to request and obtain verification of the debt, including any assignment contract that establishes your right to collect the debt in question. If you are unable to provide the requested assignment contract within [ a reasonable period, e.g., 30 days ], I request that you promptly delete any and all references to this account from my credit report with all credit reporting agencies, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

Please send the requested documents to the address mentioned above or via email at XXXX Thank you for your prompt attention to this matter. I look forward to your cooperation and timely response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

ADVISED MY CREDIT CARD WOULD HAVE RESTRICTION LIFTED. CONTINUED TO HAVE AN ISSUE PAYING DUE TO ILLNESS, CALLED AN EXPLAINED MY SITUATION, ADVISED OFFER TO LIFT RESTRICTION ON CC WAS RECINDED- BUT WOULD BE PLACED BACK ON ACCOUNT IF PAYMENTS ARE MADE AND ACCOUNT UNDER LIMIT, CALLED XX/XX/19, ADVISED RESTRICTION STILL ON ACCOUNT
Product: Checking or savings account

I ordered a DVD on XX/XX/XXXXonline. I tried to cancel the order but XXXX said I only have 1 hr after ordering to cancel. It was now 3 hrs  after. I wanted to get a DVD for my son for XXXX. Today is XX/XX/XXXX, I have never received the DVD nor have I been able to get my {$11.00} back. Chase bank says that they do n't have any recovery rights. I have called XXXX 44 times. They would not give me any information about the seller, then on later calls they wo n't file a claim for me. On XX/XX/XXXX a guy name XXXX supposedly fild a claim but he lied. I have called 10 times today, I was put on hold for an hour and 1/2. Only to have them hang up on me. How can I get my money back?