23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I.C. System Inc. is INACCURATELY reporting a debt for an account that has been previously SETTLED AND PAID IN FULL with the original creditor. The original Creditor was XXXX - XXXX XXXX. On XX/XX/2020 I sent a debt validation request to IC System Inc. regarding an alleged debt of {$75.00}. On XX/XX/2020 I received a letter from their office with information from the original creditor. Immediately I contacted XXXX XXXX directly and sent payment for {$75.00} via USPS money order dated XX/XX/2020 to XXXX ( original creditor ) : XXXX XXXX XXXX XXXX, NY XXXX. On XX/XX/2020 IC System Inc. FALSELY reported to the credit reporting agencies a debt for {$75.00}. They are in serious violation of the FDCPA Section 808 as they DID NOT provide a statement on their written notice which I received on XX/XX/2020 giving me the consumer 30 days to act on the alleged debt. It should be noted that 30 days of RECEIPT of their notice had not yet been met as of XX/XX/2020 the day they FALSELY reported this account to the CRA 's. They also are in violation of the FCRA as they reported the amount owed for this debt was {$75.00} which is INACCURATE. In addition they are attempting a debt during the pandemic which is a violation of the CARES Act specific to New York State.
Product: Credit reporting or other personal consumer reports

Sterling background checks has generated numerous reports to employers and the information reported is inaccurate and way outdated past 10 years ultimately causing loss of employment. 7 background checks from XXXX to present XXXX. The last report was done XX/XX/XXXX. I disputed the report and after 30 days was emailed the results which were upheld as sterling did nothing to actually verify any information to see if it was accurate. failure to comply with reasonable procedure to gain information, factual allegations are not reported. I provided documentation from several government agency 's involved with my identity theft case ( i was the victim ) and they disregarded the documents completely using an automated phone system.
Product: Debt collection

This collection account was removed from my XXXX report between XX/XX/XXXX and XX/XX/XXXX. I've attached a screenshot for proof. Please remove this collection from my TransUnion report as well. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion due to their failure to properly investigate, verify, and provide documentation for multiple accounts that I have disputed multiple times. TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623 by verifying accounts without providing legally required documentation.

These accounts contain unverifiable, inaccurate, and improperly reported information that is damaging my financial stability and overall quality of life. TransUnions reckless reporting practices are actively ruining my ability to secure financial opportunities, obtain loans, and move forward in life. 

I am demanding immediate removal of these accounts, as they can not be legally verified under federal law. Below is a breakdown of each account that TransUnion has wrongfully verified, along with the specific issues and my requested resolution. 
Account Number : XXXX Balance Reported : {$620.00} High Credit : {$620.00} Status : In Collections This account is listed as a debt collection, but TransUnion did not provide any proof of its legitimacy. Since XXXX is a debt buyer, NOT the original creditor, they are required to provide : Proof of the original agreement showing I legally owe this debt. 
A chain of title proving XXXX XXXX legally owns the debt. 
A full transaction history showing how the balance was calculated. 

TransUnion failed to provide this documentation but still reported the account as verified. This is a violation of FCRA Section 609, which requires proper validation.
Product: Credit reporting or other personal consumer reports

These records were obtained from XXXX and reported without my explicit consent, violating multiple sections of the Fair Credit Reporting Act ( FCRA ) and other related laws protecting consumers rights regarding the use of personal information. Furthermore, the courts of Oklahoma clearly state that they do not report bankruptcy information to credit reporting agencies. 

Relevant Laws FCRA Section 604 ( a ) ( 2 ) : States that a consumer reporting agency may only furnish a consumer report if the consumer has given written instructions to the agency to do so. I have not provided any such consent for this bankruptcy information to be included.

FCRA Section 611 ( a ) ( 1 ) ( A ) : Grants consumers the right to dispute the accuracy of any information on their credit report. Upon receiving a dispute, the credit reporting agency must conduct a reasonable investigation within 30 days.

FCRA Section 611 ( a ) ( 5 ) ( A ) : Mandates that if the investigation finds the information to be inaccurate or unverifiable, it must be promptly deleted or corrected.

FCRA Section 623 ( a ) ( 1 ) ( B ) : Requires furnishers to provide accurate information and correct any inaccuracies once notified.

FCRA Section 607 ( b ) : Obligates credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

FDCPA Section 809 ( b ) : Entitles consumers to request debt validation. The collection agency must provide proof that the debt is valid and that they have the right to collect it. Failure to provide this proof requires the removal of the collection account from the credit report.

TILA Section 131 : Mandates clear and accurate disclosure of credit terms. Any failure to comply with TILA disclosures could invalidate the debt.

Immediate Actions Required Given these legal obligations, I demand that you : 1. Provide definitive proof that I committed the actions as reported, including : Complete documentation proving the validity of the debt.

Verification procedures used during your investigation. 
Written confirmation from the original creditor substantiating their claims. 
2. Remove the inaccurate and unauthorized accounts and bankruptcy records from my credit report immediately if you can not provide the requested proof.

Failure to comply with this request within the FCRA-mandated 30-day period will result in immediate legal action. This includes filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies.

Consider this your final notice. If these inaccuracies are not corrected and the accounts are not removed, I will take further action to protect my rights. 

I expect a prompt and thorough response. Provide the requested proof or delete the inaccurate accounts and bankruptcy records immediately.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the presence of this bankruptcy on my credit report. The filing and reporting dates, as well as the closing dates, do not match. This is a cause for concern as I have a court letter clearly stating that this bankruptcy should not be reported to you. Moreover, the involvement of an unauthorized third party compounds the absurdity of this situation.
Product: Debt collection

Hello, I received HRRG letter and answered their call twice. But I am receiving repeated calls from different phone numbers and MI cities. I have received so far 20 calls in XXXX and XXXX. They are calling from 15 different phone numbers and MI cities.. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX. So I don't know the authenticity of them.
Product: Credit reporting or other personal consumer reports

filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Debt collection

XX/XX/20 : I received a call from FH Cann & Associates at my place of employment. I spoke with the representative and requested that they not contact my job or family. I gave them my telephone number and said they can call me at the number I provided ( vs. my job, my business, family, etc. ) XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : A family member received a call from FH Cann at XXXX PM on their personal line
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft, and part of the equifax data breach. During credit monitoring I was told that I experienced over XXXX data breaches and my I information have been leaked or compromised. I tried to freeE my credit but was unsuccessful. I reached out to all three credit bureaus but they have not updated my records nor froze my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with moneylion bank and there was an outstanding balance on the off {$130.00} I have communicated with moneylion through email and phone that if I pay off my outstanding loan in full that the loan account information will be deleted from all 3 credit bureaus and delete any information connected to that loan. I spoke to customer service and by email they assured me that they will do that by email and phone conversation. The person that I spoke to over the phone her name is XXXX and she assured me that she will put a note in the system for the account to be deleted when paid off. Ever since the loan have been paid off on XX/XX/2020. The account have not been deleted off my credit report and I tried numerous times by email complaining about the loan account never got deleted and its hurting my credit score. First they say it will take 30days to delete the information, then after 30days to 60 days and more, the account still report negatively. The status of the account change from paid/ok to charge off ( CO ). Then moneylion change their story and said they will not delete the account. I have dispute this account will all 3 credit bureaus and moneylion bank refused to hold up their agreement to delete the account off my credit report.
Product: Checking or savings account

Ive been getting charge overdraft fees while my account is positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Account : XXXX and XXXX Account # XXXX Balance : {$1100.00} Date Opened : XX/XX/2020 This is a formal complaint against Equifax. I have been disputing this account since XX/XX/2020 with Equifax because of erroneous and inconsistent reporting of this account to my credit report. This account has been deleted by the other two bureaus, XXXX and XXXX but for some reason, I see this account still reported in Equifax. There is only one source of information, which is the original creditor of this alleged account. How can the other credit bureaus delete it but not in one bureau?
Product: Checking or savings account

Chase bank has noticeably started gaming low balances again, like the " old days '' of predatory fee-charging of impoverished customer accounts. 

I had a transaction that was pending as a ~ {$15.00} debit on the XX/XX/XXXX, with {$22.00} available balance remaining. On XX/XX/XXXX, the following day, another {$50.00} debit appeared XXXX a recurring charge for XXXX services, not from Chase ). However, my XX/XX/XXXX charge that first posted as {$15.00} with sufficient coverage of {$22.00} in balance was rolled into XX/XX/XXXX. They escalated priority of the XX/XX/XXXX {$50.00} XXXX service charge, resulting in {$22.00} ( balance ) - {$50.00} = negative value, then applied the {$15.00} charge to duplicate NSF Fees. 

If they would have applied the charges in chronological order based on the amounts and dates first appearing as a debit, I would have only received one NSF charge. 

This is one example of many they have done in recent past, and the pattern is noticeable. I thought this practice was banned with Dodd Frank? It's just petty usury and poor service. If I were to go through the last 6 months history this would NOT be the first time, but frankly I'm too tired and broke to pursue any further than this.
Product: Credit reporting or other personal consumer reports

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

Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unverified accounts indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following to updated or deleted in my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy
Product: Mortgage

I paid off a mortgage with XXXX in XXXX. Now when trying to clear the title on this property during it 's sale I am told there is default on the property. My county recorders office tells me the property shows it was paid off but the wrong instrument number was attached to this. 
XXXX bought all XXXX in XXXX, however since mine was paid off in XXXX it was not transferred to XXXX. The mortgage is now in the hands of BNY Mellon. For weeks XXXX XXXX XXXX XXXX has been trying to clear this title. The contact in BNY Mellon is XXXX XXXX XXXX. I have been contacting XXXX XXXX XXXX at BNY Mellon through email and numerous voicemail. I even went to XXXX with documentation of the payoff for this mortgage. I have received no response.
Product: Credit card

The problem I'm having with the company Concora credit is that they continually are removing my email address from my account so that I am unable to log on to my online account to make the payment, review my transaction activity. My email address is the username that I have to use to log on to my online account to make a payment look at my transactions and all account activity. I have an open active account with Concora Credit and the name of the credit card is Destiny MasterCard, this is the card that they are preventing me from looking on my online account by continually removing my email address and preventing me from logging on. I've called customer service several times and they have added my email address back on only for when I go to log that on to schedule a payment or review my billing statement the email address is not on file again. I contacted customer service today again XX/XX/year> and spoke with XXXX a customer service manager, employee ID DIW. I requested from her that she please add my email address back on so that I can logon to my online account to schedule a payment and review all activity on my account. She informed me that she can not do this because there is a note on my account stating that I have an attorney which is in no way at all true there is no attorney and I do not have an attorney against this company whatsoever. She said it is company policy that they can not add my email address on when there is an attorney on file which there is no attorney on file. I asked her if she could give me the attorney 's name and she could not she said she did not see one I asked her for the policy where she could not add my email address on and she could not give me that either. I'm requesting that this be looked into to see why they are preventing me from logging on to my online account it is an active account I make regular payments and is an open account. They continually remove my email address once I have placed it back on in the past and then today they would not even let me add it back on so that I could log on to my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of erroneous information pertaining to an account with XXXX XXXX, as currently reported by TransUnion. This account was satisfactorily settled and officially marked as " Paid in Full '' on XX/XX/year>, as evidenced by the attached " Paid in Full '' letter from XXXX XXXX. Despite this resolution, the account was inaccurately reported as " 60 days late '' as of XX/XX/year>. This is a clear impossibility given the account 's settled status in XXXX, which underscores a significant error in your reporting. 

Additionally, an XXXX XXXX customer service representative has acknowledged this error in a written letter, also attached, confirming that the " 60 days late '' notation is invalid and should be deleted. 

The reporting of this account in this manner violates the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies maintain accurate and complete information. The erroneous reopening of a previously closed and settled account with a new derogatory status not only misrepresents the actual status of the account but also significantly harms my credit standing. 

Therefore, I request an immediate re-investigation and the complete deletion of the " 60 days late '' notation from this account. Please ensure that this deletion is processed promptly, and provide me with a corrected copy of my credit report upon resolution of this dispute. This correction is imperative to reflect the true nature of the account closure and to uphold the integrity of the information reported. 

I appreciate your urgent attention to this matter and look forward to seeing the necessary corrections applied.
Product: Mortgage

I am experiencing issues with Carrington Mortgage, as they are denying my entitled benefits as the account beneficiary. I have served them with a registered security, which I intend to report to the SEC, Inspector General, and FINRA.
Product: Credit reporting or other personal consumer reports

Credit Bureaus failed remove incorrect peronal infomation off my credit report causing denial of approvals. I mail via USPS certified mail my Drivers license, social security care, and utility bill of my correct address as well. 

I am a victim of identity theft. My personal informtion was utilized to obtain credit, goods, and lease. This has cause wrong personal infomation such as address and numbers to be placed on my credit report Section 623 ( a ) Prohibits individuals from providing inaccurate information to a consumer reporting agency ( CRA ), such as a credit bureau, medical information company, or tenant screening service. The standards for this prohibition vary depending on whether the individual provides an address for receiving notices about inaccurate information. 


Section 623 ( e ) Prohibits information furnishers from providing inaccurate information to a CRA if they know or have reason to believe it is inaccurate.
Product: Checking or savings account

I have had multiple overdraft fees and late fees charged to my account. Plus they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX  and I had started the process of disputing a few things that were listed in accurately on my credit report. I discontinued disputing believe that the report was accurate once they investigated certain items. A letter was sent to all three companies letting them know that I no longer disputed the accounts in question. I received a copy of my credit report and the dispute verbiage was still reporting on one of the accounts. I contacted them and told them I did not dispute the account and again to remove the verbiage. I have been fighting this since XX/XX/XXXXand the statement that the account is being disputed is still listed. It appears it's listed on one of the XXXX XXXX XXXX accounts and it shouldn't be.