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

An inquiry dated for XXXX Mastercard on XX/XX/23 that I did not do. I have no more information about the account. I got that information from my XXXX credit report. As well as US XXXXXXXX XXXX that I did not inquire either.
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 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : DEPT OF ED XXXX  XXXX # XXXX, Account Name : US DEPT OF EDUCATIONXXXX # XXXX, Account Name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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

No reinvestigation was completed, and disputed accounts are not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent up a payment for {$63.00} to be paid on XX/XX/2018 and XXXX   XXXX XXXX took two payments from my XXXX XXXX XXXX Account for {$63.00} and {$170.00} on the same day. I called to speak with a supervisor and asked that the payment for {$170.00} be returned back to my XXXX XXXXXXXX XXXX account because I did not authorize for two payments to be taken out of my account. I had already calculated my transactions and by XXXX  XXXX XXXX taking an extra payment out of my account of {$170.00} it would cause my account to be overdrawn and {$96.00} worth of fees to be assessed to my account. The representative told me that they could not void the second transaction but I could go into a XXXX XXXX XXXXXXXX branch to open up a new checking account and they would see if they could return the funds to a XXXX   XXXX XXXX checking account. I did not want to open up an account with XXXX   XXXX XXXX because in the past they promised to take care of their error with processing a payment a few years ago and failed to address their error then reported that I did not make my payment and closed the credit card account which subsequently impacted my credit score and credit file. 

When I set up my payment for {$63.00} no other payments was pending on the mobile app. The representative told me that I should not be using the mobile app to view prior scheduled payments but the desktop. I did not know that I could not rely on the mobile app because that's all I had been relying on in the last 6 months and it was not an issue to my knowledge. In all I had to go to XXXX XXXXXXXX XXXX  to complete a REG E claim to have the {$170.00} disputed and to date I have incurred {$96.00} with XXXX XXXXXXXX XXXX and {$82.00} worth of fees with XXXX XXXXXXXX XXXX because the representative and her supervisor would not cancel out the second payment that was not showing in the mobile app of their system. 

Additionally XXXX XXXX  XXXX has recently reported that I did not make my XX/XX/2018, XX/XX/2018 and XX/XX/2018 because of their error. I have proof that these payments and the additional payment that came out of my XXXX XXXX XXXX checking account. Even after the XXXX  XXXX XXXX staff made an error a few years ago with failing to process my payment and closing down the account, I still have been faithfully paying the account. However, they have not been reporting my payments to the credit bureau as they promised. I need for the Consumer Financial Protection Bureau to launch an investigation against XXXX XXXXXXXX XXXX because I have asked to speak with the Escalation Team within the Office of the President and the representatives refused to escalate my call. And their staff refuses to correct all their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX or XXXX the unemployment agency in florida sent me a letter stating they had accidentally used all of my information name, date of birth and social security number on an example to the public .so I called all the credit reporting agencies and asked them to put a fraud alert on my account in XXXX I called all three reporting agencies and asked them to remove the fraud alert, they did not do it and it has ruined my life .I have wrote all three agencies over 30 times called over a 100 times, made numorus reports with your Agency and still over 11 years later they still have not taken off the alert, and i have not been able to purchase a home I had to pay extra interest the highest amount to purchase a car which I never was late one time with a payment. Lost jobs, could not get an apartment .because they can not see my credit i have a score of zero after paying a car for three and a half years and never being late not one time. I have done everything to get this fraud alert off my credit and they refuse to remove it please help me thank you
Product: Debt collection

Request for Validation of Debt Dear Customer Service, I am writing to formally request validation for the debt associated with account number XXXX, which is described as a collection account with a balance of {$870.00}. 

According to the information available, this account was opened on XX/XX/XXXX, and is reported to be overdue as of XX/XX/XXXX. To gain clarity regarding my financial obligations, I kindly ask for the following details : XXXX. The original amount owed and any additional fees or charges that may be included.

2. A copy of the original agreement or contract that outlines the terms of the debt.

3. Documentation confirming your authority to collect this debt.

Please be advised that I am exercising my rights under the Fair Debt Collection Practices Act, particularly : - **15 USC 1692 ( d ) ( 2 ) ** : Prohibiting harassment or abusive conduct.

- **15 USC 1692 ( g ) ( a ) ** : Mandating the validation of debts.

- **15 USC 1692 ( c ) ( a ) ** : Regulating communication related to debt collection.

I would appreciate your prompt attention to this matter and kindly request that you provide the requested information Thank you for your cooperation. I look forward to your timely response.
Product: Debt collection

I received a letter from an attorney claiming that he will help with a law suit filed by XXXX XXXX bank for unpaid debt. I never had debt with XXXX XXXX bank.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Identity theft-related accounts appear on my consumer report without my written authorization or wet signature. Following my recent communication with your organization on this issue, I formally request the immediate blocking and removal of these accounts from my report. Their presence has caused considerable emotional and financial strain by misrepresenting my credit history and obligations. If this matter is not adequately resolved, I am ready to pursue legal action to defend my rights. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including home ownership and meeting my family 's needs.
Product: Student loan

I have been paying on this loan for years and have barely made a dent in my balance. I was told in XX/XX/2020 that my payments would stay around {$65.00} for the remainder of the loan which they did for a few years. Now they are up to {$85.00}. When I tell them I was told they would stay at XXXX they refuse to do anything about it. They gave me a temporary six month repayment of interest only and said once that is up to contact them to work something else out. I called them back and they are refusing to do anything to help. They said I dont qualify for any help until next XXXX since I just got off the interest only payments, Which I was never told. They also refused to lower my monthly payments back to what I was guaranteed or to even lower them At all. I will admit I havent always been the nicest when I call because I have dealt with many of them who were rude to me first and the lack of empathy and help is horrendous. I feel I am being taken advantage of. every time I call, I get misinformation and then they back track. They are not flexible at all.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax are the companies reporting information to my credit file that are a result of identity theft. I have gone a step further into creating a police report with the following reference number ref : XXXX I have previously reported this to the federal trade commission and also to the cfpb and these credit bureaus continue to not provide me with what I have specifically requested which is a contract with my signature on it for each and every fraudulent reporting item on my credit file. 

several years back i placed my wallet down in a department store and it was stolen! the items inside where my social security card and my licenses containing my addresses and a couple XXXX dollars. Today i took it a step further and reported a police report stating this exactly and additionally that my information continues to be used for credit. 

I am requesting a set of contracts with my signature on them to verify that these negative reporting items are indeed mines. I do not need these negative items to say verified, or updated. i need to be sent a written contractual agreement with my signature on them or a swift removal of said accounts. 

In the past I have not had the resources to take the credit bureaus to court but today is different and I have documented everything I've done to try and get these negative items removed for my legal safe keeping, I am ready to take this matter to legal proceedings. This is a request to have this matter taken a little more seriously and provide me with what I have requested. 

Note i have never had a fade hand dealt at credit in my life because of this The items reporting on my report that should not be reporting and any and all correlating hard inquiries related to said fraudulent accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX date opened : XX/XX/XXXX balance : {$360.00} XXXX XXXX date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX opened- XX/XX/XXXX balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX date opened : XX/XX/XXXX balance : {$300.00} XXXX XXXX XXXX date opened : XX/XX/XXXX balance : {$680.00} XXXX : XXXX XXXX XXXX XXXX XXXXXXXX balance {$360.00} date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX balance : {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX balance : {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance : {$360.00} date opened date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX balance : {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance : {$2000.00} XXXX date opened : XX/XX/XXXX
Product: Debt collection

I have contacted XXXX numerous times in order to resolve the debt they are trying to collect in the amount of {$1200.00} from XXXX XXXX XXXX. I had XXXX protection on the account in the event something may happen. I received a XXXX that made me a XXXX XXXX XXXX XXXX Veteran that caused me to become delinquent on any lines of credit that I had open. I was never sent an initial collection notice in order to dispute the debt upon initial reporting. I have called, as well as emailed in regards to this and gotten nowhere minus a new negative mark on my report with each month since my initial dispute. When going to the companies website, it says that it is unable to retrieve details of the account. I am at a loss with this company and only wish to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, this is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I need the following items to be corrected or deleted ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2022 I sent experian a dispute for account target on my consumer report in regards to them reporting the wrong On Record Until Date XXXX XXXX the on record until determines the 7 year expiration date this account will legally be removed from my consumer report. I have already got confirmation from target XX/XX/2022 on when the exact date of 1st deliquency date occured which was XX/XX/XXXX XXXX per FCRA Running of Reporting Period that refers to the 7 year period begins with respect to any delinquent account beginning on the date of the commencement of the delinquent which immediately preceded the charge off status 1681c ( c ). this law is a requirement to information contained in consumer reports. Now, I will say that experian is reporting the correct date of 1st delinquency in the payment history BUT they refuse to modify the on record until date to match the payment history. I mean its right in there face in black and white and I dont understand why experian won't modify the on record until the right way. 

additionally, my dispute was mailed XX/XX/2022 and experian submitted my dispute XXXX XXXX experian opened my dispute XX/XX/2022 and provided me with dispute results the exact same day XX/XX/2022 report number XXXX it takes more than a couple of days to complete a investigation in regards to inaccurate information and the AFTER results that experian provided me still reflect the same error On Record Until XXXX XXXX experian has failed FCRA compliance to follow reasonable procedures to assure maximum possible accuracy of the information before preparing me with results and a updated report 1681e ( b ).

Experian is practicing non compliance procedures to correct inaccurate information on my report. target is not responsible for this error, experian is and they won't modify the on record until correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just tried to dispute inaccuracy on my background report with checkr agency for " failure to post bond '' on the background report from XX/XX/2017 ; I was totally unaware of this inaccuracy and have no idea where this inaccuracy came from. between XXXX I was rejected for multiple job positions in truck driving companies and in delivery services as well, checkr placed someone's record on my report and that damaged my reputation and took a lot of opportunity from my life within these XXXX  years I'm devastated I was never in prison and have nothing to do with the bond when I disputed this information with them two months later they removed this information from my record ( I have both reports before and after ) ; after this harm to my background and identity I believe I'm entitled to some sort of compensation for lost life opportunities due to your inaccurate reporting, it is a violation of FCRA ( Fair Credit Reporting Act ) and I'm asking CFPB take appropriate actions and measures to avoid this happening to someone else in future.
Product: Debt collection

I sent an affidavit of legal notice and conditional acceptance upon proof of claim dated XX/XX/2022 which is evidenced by green certified mail receipt ( attached ). Also attached is a copy of the correspondence I sent. All are equal under the law, truth is expressed in the form of an affidavit and an unrebutted affidavit stands as truth in commerce. They have not responded, sent an affidavit to rebut the one I sent, neither have they answered my proof of claim, therefore they are estopped. They continue to call me and harass me and have not responded to the affidavit I sent them and continue to post information on my credit report that they will not swear to as being true.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit history report from ( CREDIT BUREAU NAME ). That Report contained incorrect information reported by you. 

I contacted the XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : amount owe, date opened/closed, late payments, and so on. 

Account name XXXX XXXXXXXX XXXX Account number XXXX .... 

XXXX  XXXX Account number XXXX .... 

Account name XXXX  XXXX XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX Account number XXXX .... 

I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please immediately remove these information from my credit file. 

Please confirm with me within 20 days that you have contacted the credit bureaus to correct this information.
Product: Debt collection

XX/XX/XXXX Collection Debt showed up on my credit report for unpaid {$810.00} XXXX account that was not mine. Originally reported by XXXX XXXX XXXX to Credit Bureau. Disputed XX/XX/XXXX and removed XX/XX/XXXX after XXXX XXXX XXXX discovered it was not my account. 
XX/XX/XXXX alerted via credit alert of score drop, the same Collection Account appeared from Franklin Collection SV. 
Disputed account through XXXX and called Franklin Collection SV XXXX XXXX XXXX XXXX, XXXX, MS XXXX Phone : ( XXXX ) XXXX Balance Date : XX/XX/XXXX Balance : {$810.00} Operator said debt did not appear to be mine and gave me email address for formal dispute letter which I e mailed XXXX XXXX XXXX I emailed another letter after they replied to XXXX that under investigation this account was mine in which I have been requesting documents supporting their claim that this is my account. 
Franklin Credit SV has not provided any documents of supporting evidence but each time I contact them, they report to FICO Credit Agencies FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX. 
FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX.

FRANKLIN COLLECTION SVCS INC has flagged your account as UNPAID ( D ). 
XX/XX/XXXX with XXXX FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX. 
FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX. 
Franklin Credit has not responded with any supporting documents for collection, communication response of any type regarding this collection and I do not have any information which would even allow me to try and remedy with XXXX.
Product: Debt collection

XXXX XXXX solutions sent a wage verification form to my employer I called them to find out what was going on I asked for verification of dept as I think it was already paid and was told they do not have to verify anything and there will be no settlement with them if I keep asking so they want me to pay them XXXX and I have no proof I owe anything this is not on my credit report and from XXXX XXXX XXXX card taken out in 2002 I am trying to go over my paperwork to see if it was paid but they are now threatening to garnish my wages
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX , XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Balance : {$1300.00}