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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 of 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 item/accounts/information below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX
Product: Credit card or prepaid card

XX/XX/2019 a fraudulent charged of XXXX appeared on my bill, which happened at a grocery store, which I frequent weekly, including the day before this Fraud. Have appealed this Fraud with Bank Of America MasterCard twice, and been denied twice. B of A MasterCard continues to deny their POS or memory was hacked, and have charged me.
Product: Mortgage

I purchased this home in XXXX for XXXX from XXXX XXXX XXXX  who went out of business and the loan was transferred to XXXX, who also went out business and the loan was transferred to XXXX XXXX. I said I made a loan on the home in XXXX and said the balance was {$280000.00}  with a deferred payment of {$180000.00}. I never missed a payment with XXXX. In XXXX of XXXX, a XXXX representative offered me a Recast on the loan and instructed me to make the first payment XX/XX/XXXX. In XX/XX/XXXX, XXXX  transferred the loan to SPS, which applied my first payment to XX/XX/XXXX. Every since then they have harassed me monthly with letters saying my loan is behind in payments. They asked me to send information on a Loan holder named XXXX XXXX. In XXXX XXXX paid state taxes for a XXXX XXXX. I checked on XXXX and it showed that the home was sold in XXXX for {$18000.00}. I am a 100 % XXXX XXXX Veteran with XXXX, physical programs. I can not afford an attorney, but need help. Please XXXX, help me through this difficult time.
Product: Debt collection

I am writing to formally dispute and request the immediate investigation and removal of certain fraudulent accounts that have been erroneously appearing on my credit report. These fraudulent accounts are not a result of any legitimate financial transactions, and their presence on my credit report is causing significant harm to my financial well-being and creditworthiness. 
The fraudulent accounts that I am disputing are as follows : XXXX - XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX  XXXX - PLEASE DELETE!!! 
I request that you initiate a thorough investigation into these fraudulent accounts as per the provisions of the Fair Credit Reporting Act ( FCRA ) and promptly remove them from my credit report if they are found to be inaccurate or fraudulent. Additionally, please provide me with written confirmation of the investigation 's progress and the results once the investigation is complete.
Product: Debt collection

I checked my credit report and found a negative on my credit report from a collection agency. I immediately contacted Columbia Debt Recovery by phone. I told them that I had no business with them. they wouldn't provide me with proof of business
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I settled a debt with XXXX XXXX XXXX ( XXXX ) for {$380.00}. I received an email with a copy of a letter from them confirming the debt has been settled/paid off the account on XX/XX/XXXX and later received same letter by mail a week later. 

I disputed the account through XXXX on my TransUnion credit report to update my credit file to show that the account has a XXXX balance and has been settled. The dispute return results were returned on XX/XX/XXXX with the following results : Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. 

Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
This account is settled. 

I again disputed the account on the report directly with TransUnion on XX/XX/XXXX and mailed a copy of the letter from XXXX to TransUnion on XX/XX/XXXX. The dispute results were returned on XX/XX/XXXX, which means that did not wait to receive the letter before making a decision. The dispute I submitted was a manual dispute that required them to wait for the letter or any other attachments for the dispute before making a decision. I later received a copy of their dispute results on XX/XX/XXXX by mail. 

Investigation results for the dispute : Investigation Results - Verified As Accurate : The disputed item was verified as accurate. 

I enclosed a copy of the letter from XXXX, the confirmation for the manual dispute on XX/XX/XXXX for the account, a copy of the letter I mailed TransUnion for the manual dispute on XX/XX/XXXX to reference the dispute, and a copy of the results of the dispute from TransUnion on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was reviewing my credit and several accounts from LVNV funding showed up. I've tried disputing through the credit bureau and it keeps coming back as valid debts but in the disputes I've requested validation of debts to be sent and have yet to receive anything. I have no idea what any of these debts are as the amounts don't match any accounts that I have going through my debt consolidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to deal with transunion directly for a few months now. There are inquiries on my report i never authorized and have no knowledge of that I would like removed from my report as there in accurate/fraud. XXXX XXXX XXXX ( Hotel and travel ) XX/XX/2021, XXXX XXXX  ( Bank ), XX/XX/2021 XXXX XXXX ( Bank ), XX/XX/2021, XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XXXX XXXXXXXX XXXX and XXXX XXXX ( Finance ) XX/XX/2021.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL AND STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIME VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found on my credit report is not related to any transaction that I made. I am alleging that a person or company without my permission or authorization used my personal info to apply for goods, services or money and was successful in creating some accounts. All is currently being investigated by the FTC
Product: Credit reporting or other personal consumer reports

Portfolio recovery is reporting collection of accounts that they said they would delete from my credit report. They are reporting the debt as new and dates are incorrect.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO HAVE LATE PAYEMENTS AND I HAVE AUTOMATIC PAYMENTS. THEY MADE A MISTAKE NOT ME. I M NOT A CITIZEN I WOULD NEVER RUIN MY CREDIT. THEY IGNORE ME THEY ACT LIKE THEY CANT UNDERSTAND MY LANGUAUGE I SPEAK XXXX AND I USE A DICTIONARY TO WRITE. I NEED THEM TO STOP PAYING WITH ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX red_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX green_status red_status green_status red_status red_status red_status red_status red_status red_status red_status red_status red_status XXXX no_info_status no_info_status green_status green_status green_status green_status green_status red_status red_status green_status green_statu
Product: Credit reporting or other personal consumer reports

Hear by I XXXX XXXX XXXX15 USC 1681 right to privacy and FTC report hereby went to dispute all negligence on my credit report due to harassing phone calls emails ECT,... but due to that my personal information of myself has been leaked and exposed in the data break.but will also went everything removed and be cleared..
Product: Debt collection

On XX/XX/XXXX I received calls and letters in the mail, sitting by owed dish network {$170.00} so my debt was placed with convergent debt collectors. I stated to them I already paid us with a previous debt collector called XXXX XXXX a year ago! I emailed them my phone record and bake statement which showed the amount of XXXX paid already. So they put it in this cute so they could investigate. I received a letter today, XX/XX/XXXX stating that they confirmed that the charges on the account are still valid and then I still owe XXXX XXXX. I called them and they said they were going to put it in dispute again this is not getting resolved. I keep getting calls in regards to a debt that has already been paid a year ago with provided proof Im still getting harassed about a debt thats already been paid XXXX previous creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX  Date : XX/XX/23 Actions : I called Transunion and they said to contact the creditor and when I did contact the creditor they would not assist me in removing the inquiry.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX, I purchased a used vehicle and XXXX XXXX was the chosen financial company. Every since I have started making my payments, I have gone online and schedule my payments, the funds leave my account 3 days later and it is posted on my account page with this company as being completed. Since I am refusing to talk to them to schedule my payments, they have been sending false information to the 3 credit bureaus ' stating that my payments are XXXX, XXXX and 90 days late. When I reported them to XXXX, I was sent a letter telling me that even though it shows on my account on their website as my payments being completed, they are trying to tell me that they didn't receive my payments until 3 months later. That is false. I have tried to trade this vehicle in so that I can get out from under them, they block me by reporting false information about my payments. When I tried to refinance my vehicle through another company, they block me by reporting that I have missed payments, that I am behind in my payments, knowing that these companies will turn my request down. I have tried to straighten this out with the company through XXXX  but again, they are refusing to correct their false information and they continue to harass me by calling my phone twice a day, leaving messages wanting me to call them about my past due payments. They some how got my XXXX  phone number and started calling and leaving messages on his phone. He is XXXX XXXX XXXX. If I was behind like they claim, why do I still have my vehicle? The proof of their lies is on my account under " XXXX XXXX '' but they all need to be fired at this company since none of them can see the truth that is on my account page. I want their lies, harassment and false information to be corrected so that I can get out from under them. This company doesn't need to be in business at all. I have also found other people that was under them stating that they were done the same way. I will continue scheduling my payments online until they block me from that way again. I want out from under this company and if I have to hire an attorney to sue them, I will.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am AGAIN requesting that you conduct an investigation as outlined in the FCRA Section 623. I am again requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with any corresponding local state laws. 
I recently filed a dispute in with the CFPB on XX/XX/XXXX regarding this matter. I received a response back from XXXX XXXX. Per my request she failed to provide me with a copy of viable evidence, showing that the account is being reported accurately. 
Upon obtaining my credit reports again after her response, I still have several inaccuracies being reported across the three credit bureaus. This is direct violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681S-2 ] XXXX states in her letter to me that the said account was charged off on XX/XX/XXXX. She also confirmed that I settled the account on XX/XX/XXXX but it did not post until XX/XX/XXXX. She did not address the issues that I have mentioned regarding the inaccuracies being reported across all credit bureaus. The investigation I requested per her response was never conducted, another violation. 
Again. The following are being reported as follows Date of last activity : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : none reported Late Reporting : Date Equifax XXXX   XXXX XX/XX/XXXX 60days 30days ND XX/XX/XXXX 90days 60 days ND XX/XX/XXXX 90days 60days ND XX/XX/XXXX 90days 60days ND XX/XX/XXXX 120days 90days ND XX/XX/XXXX ND FP ND XX/XX/XXXX ND FP ND XX/XX/XXXX ND FP ND Per XXXX response if the account was paid in XX/XX/XXXX, how are you reporting FP for XX/XX/XXXX with XXXX? 

Im attaching proof of all my findings by providing copies of my credit reports across the bureaus. If you are not willing to provide me with some sort of proof to validate these reportings, I ask kindly that you delete or suppress this credit reporting due to the direct violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Product: Credit reporting or other personal consumer reports

I have disputed the account of XXXX XXXX XXXX with the three credit bureau on XX/XX/year> and on XX/XX/year> and I havent received any information still unverified I asked for a contract signed and how are the verified documents signed I have been trying to fix my credit to buy a house and this unverified account hurts my credit score thanks for your help
Product: Credit reporting or other personal consumer reports

I recently pulled my personal credit file as I am preparing to obtain funding and found some items on my account that are not accurate information. The Employment Info has incorrect data as I am requesting that the following info is removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX immediately for reporting false documentation of employer info. The also see false addresses reported on my file and i need them to be removed immediately to prevent important mail from going to the wrong address potentially causing significant issues with receiving mail. The only address that should be on file is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and all other addresses need to be removed including XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I also see a credit account that is reporting from XXXX XXXX XXXX with account number XXXX that needs to be deleted immediately as well. This information needs to be verified or DELETED.
Product: Checking or savings account

I paid my XXXX 's bill online at United Community Bank as I have done several times in the past. Apparently, the new bill pay company doesn't pay it. They MAIL a check. So that after they remove the amount from my account, it stays in the bank for probably XXXX days at least while it is mailed and they wait for the claim from XXXX 's XXXX I began receiving phone calls from XXXX XXXX and Debt collection companies within days. 
What has happened to the US banking system to allow the banks to use a depositor 's money without any cost to the bank but with penalties to the depositor?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit card or prepaid card

Today I tried to use my Vanilla Visa Giftcard at XXXX  and the card declined. I tried to check the balance online and it said there was an error and to try again later. I called customer care and checked my card balance and it was just loaded and had {$75.00} on it. I couldnt understand why it would decline so I stayed on the call but non of the automated responses matched my problem and there was no real representative. My card is activated and still declines.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has provided information regarding a XXXX balance on my account several times since my last complaint. They fixed the error submitted documentation surrounding the fixture of the error and then re-reported delinquency. 
Change the status of my account to CLOSED and paid in full remove all irrelevant remarks on my credit report that could harm my credit.
Product: Debt collection

LVNV had sent me a collection letter back in XXXX XXXX I requested they validate debt. They never did. I disputed this debt through all credit reporting agencies to which they did not respond. I do not know LVNV and have no idea who they are. 

I have asked them to provide me with XXXX Credit cards agreements between LVNV and myself XXXX Credit cards agreement between myself and XXXX XXXX XXXX show me if the credit cards agreements have terms of Arbination through XXXX. 
XXXX. Show sales agreement between LVNV and XXXX XXXX XXXX and prove I owe this debt as this is not my debt. 

They have not done this so far and continue to harass me using different collection agencies such as resurgent  back in XXXX and now newly in XXXX a company called XXXX XXXX XXXX. 

yet LVNV has no grounds to show who they are to me? when I entered into any agreement with them. How they claim I owe them anything? 

They did not validate my debt back in XXXX, or through credit reporting agencies and NOW they are back to harassing me yet again.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft someone has used my personal information to obtain services and goods using my personal information. 
i need these fraudulent accounts removed from my current credit report
Product: Credit card or prepaid card

Approximately every 6 months, Synchrony allegedly checks credit, then lowers credit limits on cards. 
They'll approve a XXXX limit, then 6 months later cut it in half or more. 
This is done on accounts that : Have never been used. 
Have less than 30 % usage. 
Have not once been paid late. 

This practice causes the usage percentage to shoot up, the cards to be over limit ( triggering 'over limit ' charges ), and cards to be declined. 

The notifications that the limit is being lowered are not sent until after it's done.
Product: Student loan

" I '' do not HAVE any " loans '' - I am being SPAMMED in the US MAIL from this private servicing debt collection agency that has PURCHASED my PRIVATE INFORMATION from others and filed FALSE CLAIMS in my bankruptcy in XXXX the FIRST TIME they got in trouble ... NOW - after my XXXX bankruptcy was dismissed without any discharge and my house stolen by other out of state debt collector lawyers who used my STOLEN INFORMATION from the Federal XXXX database - this SAME company is spamming me again. WHEN is the CFPB going to ENFORCE the Privacy Act of XXXX? The Patriot Act + Real ID Act + a Social Security account Number attached to a LEGAL NAME ===does NOT EQUAL A HUMAN BEINGS " debt ''.