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

I have a collection account in which that was charged off/ sold to a third party debt collector and was the reason I was denied for an apartment for me and my kids.. this charge off is considered a certificate of indebtedness which means it is now " income and income CAN NOT be reported onto my credit report. It is also a violation of the Privacy Act to report my transaction history and banking information. As a honorable and protected consumer I ask that the credit bureaus XXXX and XXXX please immediately remove the collection account EASTERN ACCOUNT SYSTEM from my credit report as it is also not being reported on XXXX making it an inaccuracy as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested proof of the original obligation and documents as well as the below I am requesting that Louisiana recovery services at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Phone : ( XXXX ) XXXX you provide verification of this debt. 

your account nmber ending in XXXX XXXX each in the amount of {$130.00} and beginning with XXXX for XXXX dollars I requested that they Send the following information : The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. 

I need more details about what you claim I owe so that I can make an informed decision. 

Moreover this debt under Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription and not collectable when reported in XX/XX/2019 and thus a violation of state and federal law. The information is not valid and the information reported is a violation of The Fair Debt Collection Practices Act ( FDCPA ) the main federal law that governs debt collection practices see 15 U.S.C. 1692. 

I dispute the information contained in my equifax credit report and Transunion credit report also and request they supply me above requested information Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights have been violated. 15 U.S.C 1681 section 602 a. States I have the right to privacy. All three reporting agenicies have a different credit card utilization for all my cards and loan balances?? all my cards have been well below 10 % utilization yet XXXX XXXX  and all 3 Bureau scores do not reflect that?? Trans Union and XXXX has been horrible with my inaccuracies and it is affecting my credit score and my ability to buy a home with better rates! 

XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX XXXX XXXX sent in an electronic payment of {$2000.00} to Yamaha motor finance and they as of today still have not applied it to the account and everyday they charge interest on the account.
Product: Credit card

I booked a flight and purchased flight insurance. Then within a few hours I canceled the flight as my girlfriend couldn't come the dates I picked. The company that claims to supply flight insurance charged me anyway even though the policy is a full refund if tickets are canceled for any reason within 24 hours. We three way called the insurance company with myself and Wells Fargo Bank. The insurance company couldn't even find me or my information in their computer system. Within having proof of the transaction they charged my card. The bank knows this and knows the charge is fraudulent but instead of reimbursing me they let the charge stick claiming they need to let Visa services review it. I am out my money as Wells Fargo isn't honoring their fraud protection policy. They run me around instead of refunding me when they found out the charges weren't legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX XXXX recently approved a loan modification which I accepted. In a conversation with XXXX XXXX, the representative, regarding the modification I informed him that XXXX was not reporting my mortgage payments to the credit bureaus. In XX/XX/2017 XXXX reported to the credit bureaus that I was 3 months behind in payments. This was inaccurate, erroneous and an error on their part. Instead of correcting this error with the credit agencies, XXXX removed my credit history completely. I have discovered that there is no history of my owning property or payments I have made for the last 10 years to XXXX. The representative explained that it is because I was in Chapter XXXX and that if I want to include my mortgage payments in my credit history, I need to write and have them investigate my request. His explanation is an oversight, mismanagement of my account, and failure to provide due diligence. I informed him that XXXX XXXX/XXXX XXXX  WAS NEVER INCLUDED IN THE CHAPTER XXXX BANKRUPTCY. He said that XXXX did not have that information and proceeded to remove my information from the credit agencies based on the information they received from the BK Court. This is simply dishonesty. I have attached the Notice of Intent .... that clearly shows that XXXX XXXX XXXX ( the investor ) was served with the notice that reflects it never had a claim amount and was never paid. The main claimant was my XXXX XXXX XXXX XXXX, and IRS and credit cards. This notice was served to the investor by the BK court so how could XXXX not have knowledge that my mortgage was not a part of the Chapter XXXX??
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$340.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I gave capital one representative my bank account number for autopay, she wrote it down incorrectly and payment was never done in 2018, now they claim that i was late and it reflects in my credit report
Product: Checking or savings account

Hi my name is XXXX XXXX and I've been trying to open up account in my name but I have not been able to because they said that I have lack of credit history.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to the credit bureaus repeated failure to resolve inaccuracies on my credit report, despite multiple disputes filed between XXXX and the present. I have formally disputed at least XXXX times, requesting that the credit bureau provide proper verification of certain items. However, these debts consistently come back as validated or verified without any supporting documentation, which directly contradicts Fair Credit Reporting Act ( FCRA ) requirements. These unresolved inaccuracies continue to harm my creditworthiness and financial stability. 

Details of the Complaint XXXX. Throughout each dispute, I have requested that the credit bureau provide clear documentation or proof of verification for the listed debts. Instead, the credit bureau has responded with a generic statement of validation, without indicating any meaningful attempt to contact the original creditors or reliable sources as required under the FCRA. This lack of documentation suggests either a failure or misrepresentation in contacting the data furnishers, and it demonstrates a failure to conduct a reasonable investigation. The bureaus response does not meet the standard of a thorough or fair inquiry into the accuracy of the reported information, as mandated by law 2. Incorrect Bankruptcy Reporting Of particular concern are two inaccurately listed bankruptcy entries, supposedly filed in XX/XX/XXXX and XX/XX/XXXX. I have submitted documentation proving that neither the XXXX XXXX XXXXXXXX nor XXXX any other known entity authorized to provide such informationverified these bankruptcies. Because these entities either do not report such information directly to credit bureaus or have denied the existence of these records, there is no possible way the credit bureau could have legally or accurately verified these entries. Without a valid, authorized source to substantiate them, the continued reporting of these bankruptcies as verified not only misrepresents the facts but also constitutes a failure to conduct a reasonable investigation, as mandated by the Fair Credit Reporting Act ( FCRA ). This baseless reporting has caused significant, ongoing harm to my credit profile, jeopardizing my financial standing and access to credit. I urge the CFPB to investigate this issue seriously, as the credit bureaus actions reflect a disregard for both accuracy and legal standards in credit reporting. 

Other Disputed Accounts The following items remain unresolved despite multiple disputes and the lack of proper verification : XXXX XXXX XXXX : Incorrectly reported as an account with XXXX allegedly opened in XX/XX/XXXX. No documentation has been provided to validate this entry. 

XXXX XXXX : Beyond the statute of limitations for reporting, as noted in previous disputes, but still listed inaccurately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXXas proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$400.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Open account with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$4100.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX account from XXXX with account # XXXX and a balance of {$3800.00}. 
The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXXXXXX Account : Name XXXX Account Name : XXXX  Account : Name XXXX Account Name : XXXX XXXX  Account : Name XXXX Account Name : XXXX Account : Name XXXX Account Name : XXXX XXXX XXXX Account : Name XXXX Account Name : XXXX Account : Name XXXX Account Name : XXXX Account : Name XXXX Account Name : XXXX Account : Name XXXX Account Name : Unknown Account : Name XXXX Account Name : XXXX Account : Name XXXX
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to resolve this issue with Transunion agency and nothing has been done please immediately remove all incorrect information immediately pursuant to my rights under FCRA
Product: Debt collection

This company is collecting a debt on behalf of another company to which my name and likeness should have never been shared. 
I do not know this company to pay them, and they have wrongfully put a debt on my credit report that is not known to them as authenticated or factual evidence. Pursuant to 15 USC 1692 ( g ), neither company has sent me the 5 things that are needed to validate ANY debt. The company chose to instead assume that I, the consumer would agree to this debt. I do not agree that this debt is mine and believe I am owed compensation for failure to properly notify or authenticate.
Product: Credit reporting

Transunion has fail to provide me with results of my dispute that I have initiated since last year on accounts that collections companies have fail to provide with proper documentation, accounts closed and recent payments have been posted.
Product: Student loan

Starting in XXXX, I have been emailing, calling, and attempting to use EdFinancials online chat service but to no avail. I have been trying to get in contact to ask for my amortization schedule in order to begin prepping for loan payments to begin. After scouring their site, it seems the only way to obtain this schedule is by asking for it from an agent. There is no easy link ( at least not one readily visible ) to request this information Most of my emails have gone with no reply, I only have got one single answer and they said it would take a minimum of 41 days to get me my report. 

Whenever I would call, the robot would say the hold time is at least 200 minutes, they would then say I can schedule for a call back when it's my turn in line. But not once from the 10+ calls I've made, have I ever gotten a call back. I have even made sure to call early in the morning so that the scheduled call back comes within regular work hours XXXX XXXX ET, to make sure I wasn't missing my window. 

Lastly their online chat service does not allow me to request my amortization schedule and whenever I ask to be connected to an agent, it always says that that service is unavailable. 

Their is no other way to request that schedule other than talking to an agent. And yet they make reaching an agent totally impossible. It seems very obvious that this is a purposeful way to slow down repayers and allow themselves more time to accrue interest payments. It's disgusting how hard it is to obtain my own information.
Product: Debt collection

I dont know who this company is. They showed up on my XXXX and XXXX credit reports. I never had any account with XXXX XXXX. I never received any collection notices or phone calls. I will upload my address for them to send verification information and collection notices. Please see if the address is the correct one you have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XXXX XXXX from all three credit bureaus. I noticed there were credit inquiries from companies that I had no knowledge of. I contacted XXXX, Equifax, and XXXX to notify them of the credit inquiries that I had no knowledge of and they advised me to contact the actual companies and told me the inquiries could not be removed because they are factual data. The following information is displayed on my credit report as inquiries and I have no knowledge of these companies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information.

I am distressed that they have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a merchant account with XXXX  XXXX, the customer requested refund and the money was deducted from my bank and account and refunded to the customer, I have the bank statement to prove this when i contacted XXXX  they told me they sold this debut to a collection agency consolidated recovery GRP, I have contacted you guys about this before and it was remove from all the 3 credit burau, now this company CONSOLIDATED RCVY GRP ACCOUNT XXXX PLACE IT BACK ON MY XXXX  ACCOUNT i contacted them and have also send them copy of my bank statement and they have not respond to me, that about 30days ago, i also contact XXXX  XXXX and send them a copy of my bank statement and pointed out that this was already remove from XXXX before also and they also did nothing I DO NOT KNOW WHAT TO DO NOW PLEASE HELP
Product: Credit reporting or other personal consumer reports

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

I have been fighting with Equifax for over a year about putting this address on my Bureau. They asked me to send in my identification showing my current address and I do exactly what they asked. I submitted the information asked via fax and mail. They are refusing to remove this address. They first removed the address then put it back on my credit again today. Im concerned that someone at that address is trying to use my credit and they wont do anything about it.