23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pioneer Credit Recovery ( XXXX ) XXXX XXXX XXXX XXXX NY XXXX, has repeatedly contacted my landlord and my landlords daughter about my debt and has left messages on their phones as recent as XXXX, and has provided my account information about my debt to them. This is in violation of federal debt collection practices. This company is based in New York and the person leaving these messages is identified as XXXX XXXX ( if this is a real person? ). My next step is to file a complaint with the New York Attorney General 's Office. 

I dispute the amount of debt they are trying to recover and sharing my personal financial information with people other than myself is ridiculous, aggressive and a violation of federal law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Debt collection

I received a phone call from a debt collector claiming to be calling about a debt owed. I let the collector know that I was at work and that it was not a great time to speak. The collector did not ask me when was a better time to talk and continued the conversation. I told the collector that I would like to have everything in writing, and he responded with someone else 's address and that they have sent letters to an address where I do not reside. I told him again that I would like to have everything in writing and it's not a debt I owe. He told me to give him an updated address to which I responded that that is his problem to fix and not the consumers '. He answered that it was my debt, that I will be paying for it and I will tell him a new address for the company to send it. The collector promised me that I will pay this or it would go on my credit report. I told him that I wouldn't be doing any of the sort and to please continue the conversation in writing. The debt collector then hung up on me mid-sentence without an explanation or a callback. I felt very humiliated, angered, and confused after the call. 

The debt was placed on my credit report the next day, and to this day, I still receive phone calls and emails referencing the debt asking when I want to pay the debt BEFORE it's placed on my report. The debt is already placed on my report and this is becoming harassing for something that they have messed up. 
On a later date, I was also told by another XXXX of their debt collectors that the credit file has not been placed on my report yet although I was viewing it on my report as she was speaking.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the publication of certain information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681b, credit reporting agencies may only include information in a consumer 's credit report if there is a permissible purpose defined by law and if the consumer has explicitly authorized it. 

In this specific case, I never gave my consent, nor was I presented with any contract or disclosure explicitly authorizing, either in writing or verbally, the publication of the following accounts on my credit report. Therefore, the inclusion of this information is inaccurate and constitutes a violation of my rights as a consumer. 

Accounts in Dispute : Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Furthermore, according to 15 U.S.C. 1681c-2, when a consumer submits a formal identity theft report, credit reporting agencies must block any information identified by the consumer within XXXX business days. Although this case does not involve identity theft, the lack of consent and disclosure reflects a violation of the FCRAs principles requiring accuracy, transparency, and lawful reporting. 

I am also attaching my FTC identity theft report to support my dispute, including the report number : FTC Report Number : XXXX. 

I remind you that under the FCRA, you are required to complete your investigation of this dispute. Failure to comply with these legal requirements may result in additional actions, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. Please block the noteworthy items that are opened without my consent Please block these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My wages were garnished by XXXX XXXX on XX/XX/2018. The amount of judgment was XXXX  XXXXThe company has the following address on file with the following reporting agencies : The XXXX address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number ( XXXX ) XXXX The TransUnion address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to contact XXXX to correct the issue. They would not return my contact or resolve the issue. XXXX went through XXXX XXXX to garnish the wages. XXXX nor XXXX XXXX has acted properly. The account showing it has not been paid off impacts my credit, life, employment, and peace of mind.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft fraud and in results the following accounts have been a major impact on my XXXX credit report The following accounts are not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Columbia Debt recovery has multiple complaints about there harassment to collect debt and also to add interest onto a debt that was not agreed to. This debt collection agency continues to keep harassing me and telling me my debt is accurate without any proof, a lease is not proof, i am seeing tons of people in the same situation as me because they look for apartment complexes to get hired from and start making up false documents with incorrect fees for example carpet removal, they have to show in the lease that carpet removal was a signed agreement when moving out. Every landlord has to clean there entire apartment or property before allowing another tenant to move in, this was also during covid when the law stated Landlords or property managers are responsible for cleaning and disinfecting their property before another tenant moves in. Also they never filed for eviction so if i owe rent why did i move out with no problems? never was notified i owe this balance, by law you have to notify me before sending anything to collections. Again this is not my debt and the landlord must have their paper work confused on who the tenant is. Columbia debt recovery has numerous complaints about taking invalid proof. I did not sign any contract with columbia debt recovery that this is my deb, there for they can not add interest. Attached is the emails ive sent in the mail to columbia debt recovery of me telling the apartment complex the move out date is incorrect, along with me having to pay rental insurance for 12 months should have covered the carpet stains, nothing was torn, normal wear and tare. Also email stating i do not have a balance with them and nobody responded i got the billing email from the front office and that email is also attached. There is your proof.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Accounts : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX OF XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER : XXXX in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account numerous times. The account does not belong to me. I have never applied had or applied for a account with XXXX XXXX XXXX or LVNV FUNDING XX/XX/XXXX and its reporting to my credit as a derogatory account. I have no knowledge of this account at all. Drivers license and social security cards should be required before someone is allowed to apply for a account because this is not my doing. There is also a hard inquire on my credit report for XXXX XXXX DL and I did not apply for a account with them either. I contacted them and they told me they dont have a application on file for me to even be able to help me but its definitely on my credit report XX/XX/XXXX as if I inquired with them. I dont understand what is going on. This is very frustrating and not fair to me at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX DEAR EXPERIAN I.XXXX  XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your bureau I HAVE NO KNOWLEDGE of credit applications made to the following companies which are now inquires on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS FRAUDULENT AND I REQUEST THIS BE REMOVED IMMEDIATELY I also request that the information with my address and phone numbers along with aliases of my name be corrected i go by the name XXXX XXXX only.please remove any other names you have reporting falsely on my report. 

please remove any address that is not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX this is my official request to have the aforementioned items to be deleted off my credit report
Product: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.18 If the person does not specify such an address, the FCRA prohibits the person from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.19 The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.20 Duty to Implement Reasonable Policies and Procedures Regulation V requires furnishers to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the consumer information furnished to CRAs.33 Accuracy means that the information the furnisher provides to a CRA correctly : Identifies the appropriate consumer ; Reflects the accounts terms and liability ; and Reflects the consumers performance with respect to the account.34 Integrity means the information the furnisher provides to a CRA : Is substantiated by the furnishers records at the time it is furnished ; Is in a form designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; Includes the information in the furnishers possession regarding the credit limit, if applicable ; and Includes any other information in the furnishers possession that the Bureau has determined the absence of which would likely be materially misleading in evaluating a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.35
Product: Credit reporting or other personal consumer reports

This XXXX school loan keeps getting passed through too many servicing companies. Now Mohela has my school loans from XXXX and they refuse to update my XXXX  account. It was XXXX approved paid in full on XX/XX/year>. 
Im tired of calling them and experian. Neither one of these entities are updating over XXXX of school loans off my credit report. Its affecting my debt ratio and they both are responsible for my low score and getting denials for new credit. This is absolutely indicative to my ongoing hardship. 
I have sent the official letter to XXXX. 
I dont understand the negligence. I will attach it again on this website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are falsely reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking into the national multistate licensing system, I noticed LVNV FUNDING LLC is not licensed to collect in the XXXX XXXX XXXX and I have several that they are trying to collect on which is a violation. This needs to immediately ceased and deleted from all credit reports. 

Acct number : XXXX ( Comenity capital bank forever ) Acct number : XXXX ( XXXX XXXX XXXX XXXX ) Acct number : XXXX ( XXXX bank XXXX XXXX ) Acct number : XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX. ) After deletion I need an updated credit report.
Product: Credit reporting or other personal consumer reports

I have called several times on this matter. I have even put in disputes. Transunion fixes it, then, somehow it shows up again! I've even contacted the original creditor ( SCCFCU/Mirastar ). Who said they don't even report to Transunion or XXXX. That they only report to XXXX... ever. But the contacted Transunion on my behalf regardless after several complaints and fixed it. I was able to see it was corrected the next day. Not, it's showing up AGAIN! The CURRENT payment status is NOT 30 days delinquent. This is an old account. It should have been paid and closed status. No delinquency today! I've even had tickets with Transunion to escalate this matter. At this point, not only am I asking for this to be updated immediately. I would also demand this account ( auto loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX be deleted from my credit report completely for failing to abide by verification regulations and continuing to report false information AFTER the creditor themselves have reached out. STOP reporting false information and claiming you have verified delinquencies.
Product: Credit reporting

Capital One Auto Finance is not removing the Auto Loan Account which is 9 years and 3 months old. The vehicle was repossessed in XX/XX/XXXX. It 's been almost 8 years since the vehicle was repossessed. This Account should have been deleted after 7 years that is in XX/XX/XXXX. 
I have disputed this account with all XXXX credit bureaus and the Capital One Auto Finance but they are refusing to delete this account.Please delete this account ASAP.My cell phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX XXXXXXXX Number : # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are incorrectly reporting a collection in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page 26 attached from my credit report. ) This account was opened without my consent or knowledge. I did not give permission for this account to be opened and I did not sign any documents on this account. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.