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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/18 Experian received a credit report dispute, disputing items including two bankruptcies.I have documentation from the furnisher/bankruptcy court stating the court records and dockets are available via PACER. I contacted pacer  via email asking how do they verify and they stated, " PACER  does not directly verify federal case information to third parties by phone, fax, or email. Experian also stated that XXXX does the verification for public records. I called and they stated no one has called to verify not one public record on my consumer report and I also have paperwork for XXXX stating that they could not verify the two bankruptcy records that are reporting as negative on my credit report. Experian has not done their job to accurately verify items on my credit report. Also, the FCRA section 611 states the furnisher of the information must verify. XXXX and XXXX have also stated that they have previously " verified '' both bankruptcies reporting adverse on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY BANKRUPTCY HAS BEEN 3YRS DISCHARGE, ALL CREDIT CARDS CLAIMED ON THAT BANKRUPTCY IS STILL SHOWING 14 LATE PAYMENTS, STILL STATING POTENTIONALLY AT RISK, MEANING ME THE FUTURE CLIENT, BELOW ALL THAT RED DEROGATORY COMMENTS, I HAVE NEVER BEEN LATE AFTER THE BANKRUPTCY AND NEVER BEFORE THE BANKRUPTCY. I HAVE BEEN ASKING, FILING COMPLAINTS TO THE THREE MAJOR CREDIT BUREAUS, XXXX XXXXXXXX XXXX  ABOUT THE BANKRUPTCY ACCOUNTS THAT NEVER SHOW BE SHOWING 14 LATE PAYMENTS, THAT IS WHY I HAVE SO MANY INQUIRES WONDERING WHY I KEEP GETTING DENIED, UNTIL I SPOKE TO A XXXX  MANAGER SHE TOLD ME I WAS DENIED BY XXXX  BY HER, DUE TO THE CREDIT BUREAUS STATING, DEROGATORY LATE PAYMENTS, AND BANKRUPTCY, SHE TOLD BE GO BACK TO THE BANKRUPTCY LAWYER HAVE THEM UPDATE YOUR CREDIT PROFILE, SHE ALSO TOLD ME YOU CAN ONLY HAVE ONE OR THE OTHER WHEN CLAIMING BANKRUPTCY YOUR EITHER DELINQUENT OR YOU HAVE BANKRUPTCY. BANKRUPTCY IS SUPPOSE TO ALLOW YOU TO HAVE A FRESH START AS THE TIME AGES FOR DISCHARGING ALL. YOUR CREDIT BUREAU REPORTS SHOULD NOT HAVE YOU STATING LATE NOR POTIENTALLY A RISK. **WHAT ELSE AM I GOING TO DEAL WITH, THIS HAS LEFT ME TO FILE A COMPLAINT ON ALL THOSE WHO STILL HAVE MY CREDIT 14LATE PAYMENTS, ALL MY REQUESTS WITH THE 3 MAJOR CREDIT BUREAUS, ALL THE INQUIRES AND COMPANIES DENYING ME CREDIT GOOD COMPANIES, INSTEAD, I GOT CREDIT SURE, BUT I PAY A HUGE PRICE OF THE BANKRUPTCY AND THE STILL DEROGATORY LATE 14 PAYMENTS THAT STILL SHOW ON XXXX  , XXXX  , XXXX  , AND THE BANKS THAT DEAL WITH FIRST TIME HOME BUYING PROGRAM I AM IN THE PROGRAM. I AM XXXX  YRS, STILL NEVER HAD MY FIRST HOME, AND HAVE PAID DEARLY FOR ALL MY DEBTS, 100X 'S OVER!!, NOW I AM REQUESTING AND WANT ALL THOSE DEROGATORY 14 LATE PAYMENTS REMOVED, AND THE CURRENT ONE THAT XXXX  STILLS SHOWS THE XXXX  FROM XXXX, I HAVE NOT BEEN LATE THE SUPERVISOR XXXX CORRECTED A HUGE ERROR HIS CUSTOMER SERVICE DID WITH THE DATES OF PAYMENTS AND NEVER CHANGED IT TO THE CORRECT STARTING DATE FOR THE COVID HARSHIP PROGRAM AND HE REFUNDED MY XXXX THRU HIS SIDE OF THE ACCOUNT MANAGEMENT TEAM. WHY IS IT THAT IT STILL SHOWS I AM 30-60 DAYS LATE AND THE XXXX ** NOT ONE COMPANY! NOT ONE CREDIT BUREAUS WHO SUPPOSED TO BE THE MAJOR 3 CREDIT BUREAUS, WELL THEY NEED TO REDO THEIR WAY OF CORRECTING AN UPDATING MY CREDIT HISTORY** THEY ARE NOT ON THE SAME PAGE!! I KEEP STATING THAT!!., THEY DO NOT MATCH INFORMATION WITH ANY SEARCH ENGINE, XXXX XXXX, OR XXXX  OR XXXX NOTHING ...!!! NOT AT ALL, THIS IS XXXX I FEEL LIKE I AM STILL BACK XXXXXXXX XXXX DEALING WITH MY CREDIT AND DISPUTING!! OVER AND OVER THE SAME THING.. MY PHONE XXXX MY EMAIL XXXX!! MY NAME IS XXXX XXXX!! MY CREDIT SCORE SHOULD HAVE BEEN OVER 740!! AND UP!!
Product: Debt collection

On XXXX XXXX, 2019, a collection account from Allied Business Services has appeared on my XXXX  credit report for {$110.00} I have NO knowledge of this bill or what it is owed for or from when or what services were provided. A certified letter # XXXX XXXX XXXX XXXX XXXX was sent to the above-mentioned business requesting VALIDATION of the account to include the above mention factors and asking the above mention business and another certified letter to XXXX  # XXXX XXXX XXXX XXXX XXXX requesting to remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatories disputed and verified as accurate on Transunion XXXX XXXX XXXX XXXX {$1400.00} which was sold to XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXX   XXXX XXXX  : XXXX XXXX   XXXX $?.?? XXXX XXXX XXXX
Product: Credit card

I recently applied for a credit card with Wells Fargo to take advantage of a balance transfer offer. I have great credit. On the day I applied my online XXXX score showed at XXXX, with XXXX and XXXX at XXXX. When I received my denial letter, it showed my XXXX was actually XXXX. ( Another bank 's denial showed my XXXX score to be XXXX!! 

If I can't get credit with scores this good, who can?
Product: Debt collection

Repeatedly receiving robo calls from company I 've never done business with for debts I most definitely do not owe.
Product: Debt collection

I called Convergent Outsourcing numerous times about a collection account that they have placed on my file. Originally, the account was removed because they couldn't verify it but now it is back. It is for a Utility Bill in Florida. I have never resided in Florida, furthermore when I spoke to someone at XXXX XXXX I was advised that the account was opened but they never got a copy of my ID. This is defamation of character and using scare tactics to attempt to force me to pay a debt I do not own. I even supplied them with notarized information stating that the debt does not belong to me but they continue to report it on my credit report. 

Account number listed on report : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX   and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX, account number XXXX ; 3. ) XXXX, account number XXXX 4. ) CMRE, account number XXXX 5. ) XXXX XXXX, account number XXXX 6. ) XXXX XXXX XXXX XXXX XXXX, account number XXXX ; 7. ) XXXX   XXXX, account number XXXX ; 8. ) XXXX XXXX XXXX, account number XXXX ; 9. ) XXXX, account number XXXX ; 10. ) Bankruptcy, case number XXXX ; 11. ) Bankruptcy, case number XXXX ; 12. ) Bankruptcy, case number XXXX ; 13. ) Bankruptcy, case number XXXX 14. ) Federal Tax Lien, {$170000.00} Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Debt collection

Too whom it may concern, i am submitting this complaint on my own with no third party involved. Firstmark Services continue to call my phone to collect a debt that's a result of Identity theft. I have sent Firstmark a FTC report, police report, and affidavit and they have yet to remove this account from my credit report. I'm asking Firstmark Services to SWEAR UNDER PENALTY OF PERJURY they were there when I " Allegedly '' obtain the goods and services. Also, i want to send notice to cease all contact with me or anyone else except the creditor about this claimed debt. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice to you to cease all further communications with me. If you must contact me, please do so in writing and not by telephone. Also, I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my WET signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely FRAUDULENT and as such represents a very serious error in your reporting. Please delete this misleading information.
Product: Credit reporting or other personal consumer reports

I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am in the process of refinancing my home. In Mid XX/XX/XXXX I started the process and my " free on line credit scores '' showed me between 640 and 670. When the two lenders ran my score it came back 599 to 604. I called XXXX and after many incorrect answers I was told that my " credit risk '' score is what lenders use and that my XXXX score, which they give to me on line is " a close approximation '' of the risk score. On XX/XX/XXXX XXXX reported a score of XXXX. I called them and they sent me my report dated XX/XX/XXXX which shows a score of XXXX. 

I have yet to find a way to get my " risk score '' online. I think the three bureaus thould provide all of my scores upon request..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was surprised to discover several negative marks classified as " Late Payments ''. This is contradictory, as I have always made my payments on time. This situation is significantly affecting my ability to access credit, which has a direct impact on my personal and family life. I have noticed that transactions related to the XXXX account with the number XXXX have been incorrectly marked as late payments. I also find it in very bad taste that the credit bureau reports these things knowing that it is a violation of my rights as a consumer and a violation of my privacy. 

It was also reported in XXXX, XXXX and transunion.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit TransUnion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights.Please remove the inquiries from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( XXXX XXXX XXXX ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per XXXX XXXX effective immediately and indefinitely.
Product: Prepaid card

On XX/XX/XXXX, I bought an Amex gift from XXXX for and added {$500.00}. The card completely does work and keeps getting declined everywhere. I make sure the card was active and it is. I tried to call Amex but no solution was given.
Product: Credit card

I called XXXX to find out where my new card was on XX/XX/year>. I never received it but made payments during the interim. The customer agent ( XXXX XXXX told me my account was paid up on XX/XX/year> and nothing was needed. They agreed to send me a new card. 

The company recently switched to XXXX XXXX  from XXXX. 

I believe they made a mistake somehwere because I received a notice of account closure with no explanation and no way to log in. This event happened days after I talked to customer service who obtained my SSN, as I had no card to verify my identity. 

Being that my account was paid, there was no reason to close the account after being told nothing was due because of the Hurricane disasters and having current payments on my account. There was a grace period even if my bill was not due. I was not only charged a late fee when I paid again, but my payment and the account was closed without warning.

Note : I can not even log in to an account to see the Notice of Cancelation to upload here, as they have not sent me information to log in.
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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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: Debt collection

I have paid the account and I was told it will be reported paid in full and removed. 
there are incorrect late payments. 
the PNC BANK failed to report according to The Fair Credit Reporting Act ( FCRA ). 
IN XXXX XXXX they get paid. I waited 31 days but they failed to reported paid so in XX/XX/2019 I called asking them to remove the account from my credit report a violation of law. The Fair Credit Reporting Act ( FCRA ). yet they failed again to correctly report it. and it still hurting my credit score causing me hardship and finance problems. 
I requesting a removal of the account.
Product: Debt collection

this company reported to the credit bureau CAPIO PARTNERS LLC Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/year> Balance : {$980.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

I went into a branch with my kids to make a deposit into their minor savings accounts. They both had a check from grandma and loose change ( @ {$6.00} for one and @ {$26.00} for the other ). I was told I had to provide my ID in order for the cash to be accepted. There is no regulatory requirement for this requirement and it is more than intrusive. I hardly think my kids are head of a money laundering ring with deposits less than {$30.00} in cash. Furthermore, no ID would be required if an ATM had been used. I believe that this is an XXXX issue as many individuals with limited means may not have the requested ID and be blocked from saving and access to financial services. I understand that large dollar amounts enable the tracking of funds that could be connected to illegal acts. I do not see how tracking {$6.00} into a minor savings account will save any lives.
Product: Debt collection

No debt validation was sent prior to reporting an old account to the credit bureaus. As soon as I noticed the derogatory mark on my credit report I indicated that this debt was not valid via a direct dispute with the credit bureaus. 

The original debt is far beyond the statute of limitations. Therefore, this negative misrepresentation of old debt needs to be removed. Furthermore, I do not have any contract with : AFNI XXXX XXXX  XXXX XXXX, IL XXXX I was never properly contacted regarding this outdated account. This debt collector has no right to continue to collect this debt because the statue of limitations has ended and the debt was not validated. I need this derogatory mark removed from my credit report. I HAVE NO CONTRACT WITH AFNI.
Product: Student loan

Today I was called 7 times starting at XXXX the most recent call being at XXXX from 3 different numbers claiming to be Navient. The phone numbers being used are XXXX & XXXX. 7 times a day from different numbers seems excessive. Especially since Navient gets auto payments from me twice weekly. There are no messages left.
Product: Mortgage

On XX/XX/XXXX I made a payment of {$680.00} for regular full XX/XX/2021 payment and an additional principle payment of {$8000.00}. 
They went ahead and allocated the payments incorrectly and not even close to how I directed them, this is fraud and a scam. They put the balance in unapplied funds account and paid 2 months of mortgage payments. Why?? I called them 2 days ago after discovering the error and was told it would be corrected. It is not corrected. I have to now call these XXXX again. They are stealing my time. These people are scammers, thieves and incompetent. You cant even make a simple mortgage payment online and make an additional payment and the system allocates the money as they want. Not as the customer directs. I made other similar payments this year and the payments were allocated properly. Prior to this year, while checking the box to make an additional payment, they also pulled this same scam.