23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report currently shows 2 charged off accounts from XXXX XXXX XXXX. They were both included in my Chapter XXXX Bankruptcy filing on XX/XX/XXXX and subsequently discharged on XX/XX/XXXX. I have numerous times disputed the fact that they are not reporting correctly. Per my bankruptcy attorney they should be reporting Closed, {$0.00} balance, discharged in chapter XXXX bankruptcy. Instead they are reporting as as a collect/chargoff and transferred to another lender. I've provided proof of my filing and discharge. I've reached out to both the company and the credit bureau. The credit bureau continues to find that this status is valid regardless of proof otherwise. I'm VERY confused as to what they are doing to validate this, since I have proof it was discharged.
Product: Debt collection

This company is trying to collect debt in a state that they do not have a license to collect debt.
Product: Debt collection

I have a collection reporting to my credit report that is not mine and fraudulent. This company has made may reports to my report please see the time line below. 

XXXX I was alerted by Ability Recover Services LLC that I have a debt dated XXXX 
XXXX Ability Recover Services LLC reported to my credit reports as derogatory ( they did not give time to validate ) XXXX I sent a letter ask for validation of the debt, as it is not mine. I still have not received a response. 
XXXX I sent a letter to the Credit Bureaus asking them to validate the debt. No response. 
XXXX Ability Recover Services LLC reported to all of the credit bureaus as a major derogatory ( I still have not received verification of it being my debt ) XXXX I sent a 2nd letter to the Credit Bureaus asking them to validate the debt.
Product: Debt collection

I received a text message from Windham Pros with a link to download a statement from them. When I clicked on the statement it said I owed another debt collection agency {$530.00}. I called the company informing them that I had already paid the debt back in XXXX of XXXX 

I was previously laid off and had amassed some credit card debt and paid it all off with some inheritance in XXXX of XXXX. I expressely remember paying this debt because I had to do it on my lunch break because they close at XXXX pst. 

The debt collector threatened me and said the burden of proof was on me to verify that I paid. They've refused to contact the former debt holder and are now harassing me.
Product: Debt collection

FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( Requires removal of each item from the credit report which you identify in your complaint within 4 days of complaint getting submitted to CFPB )
Product: Credit card or prepaid card

Was rebilled for the amount of XXXX on my XXXX credit card and I accepted the delivery of the item but I return it back to XXXX and the package is taking too long to get to XXXX and I shouldnt owe this bank a dime.. 
I will send the image of the return tracking number and if I get negative on my credit report I will take legal actions against well Fargo .. once again Ive been rebilled in the amount of XXXX and I closed this account.. I return the watch back to XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Fraudulent Activity and Demand for Correction on XXXX XXXX credit card I am writing to formally dispute the fraudulent activity on my credit report from XXXX XXXX  stemming from the unauthorized use of my stolen credit card. Despite my prompt reporting of the theft to the issuing bank and local authorities. Police Report Number : XXXX, Date : XX/XX/2023 Was filed with XXXX XXXX police department. Experian has failed to correct the erroneous information. Fraudulent Transactions : I Demand for Correction : 1. Immediately remove the fraudulent transactions from my credit report. 2. Correct my credit score to reflect the removal of these transactions. 3. Provide a corrected credit report to all entities that have accessed my report in the past 12 months. Failure to Comply : If Experian fails to comply with my demands within 14 days, I will : Report to the Federal Trade Commission ( FTC ). Pursue civil litigation under 15 U.S.C 1681 ( Fair Credit Reporting Act ). Seek damages for negligence, defamation, and emotional distress. You are hereby notified that I will seek relief under : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) - 18 U.S.C. 1343 ( Fraud by Wire, Radio, or Television ) - State-specific consumer protection statutes Failure to comply will result in : - Actual damages - Punitive damages - Attorney 's fees and costs - Injunctive relief. I am requesting the deletion of XXXX account immediately. 
Thank you XXXX XXXX Social Security number XXXX.
Product: Credit card or prepaid card

I applied for a card about XX/XX/XXXX on line for a Lowes credit card. I gave my physical address and a Post Office box. I did not hear anything from them. They probably sent everything to the physical address and I do not receive mail there. I applied again using the Post Office physical address and they denied because of a previous application. They now can find no information on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


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

I believe the information on the Midland credit management account to be incorrect, I never had an account with XXXX, and i have never Owed a balance of {$510.00}. i am not sure or aware of XXXX 's debt of {$510.00}. I am requesting a copy of the original contract of this account with all payments made to the original account to make sure this account is truly reflecting its true balance. Also, i have previously contacted midland credit management that i refuse to pay this debt and to stop all collection attempts. they failed to comply and attempted to collect the debt when i called them on Wednesday, XX/XX/XXXX violating my consumer protection rights and violating the FDCPA. since i have not received what i have requested it made me believe that the accounts may not belong to me. I repeat that i have never had a contract with XXXX or never have i had a debt of {$510.00}, This it is believed to be false information and a violation to 15 usc 1692e. 

I can not tolerate these violations and these accounts that I do not recognize to be reported into my credit file. 

This complaint serves as a formal declaration of my refusal to pay this inaccurate debt that midland credit management claim i owe and i demand that midland credit cease communication with me unless to report the closure of the account they claim i owe. I intend to take legal action if these violations are continued.
Product: Credit reporting or other personal consumer reports

I Checked My XXXX XXXX Credit Report I Notice a closed XXXX  XXXX XXXX account that's not mine It says I was an authorized user I was not aware this account was open & believe it Is Fraud I would like for you to remove this close account off my credit report
Product: Debt collection

Portfolio Recovery, Colorado? Collection Agency, asked them to send me snail mail about account. XXXX XXXX persists in calling and not leaving messages. I told him I was hard of hearing and could n't talk but should have gotten his address and contact info, but hung up on him. Persists in not telling me what account he is trying to collect both on phone and in mail. The credit card company is supposed to contact me and tell me what collection agency is being used. I never got one for this collection agency. Also, if the credit card company is going to have this on my credit report I should be able to pay them and not a collection agency.
Product: Debt collection

XXXX Bank is trying to collect a debt from me that is ot mine. There was a credit card opened in a name, that is not mine, but the person used my information to obtain the credit card and now they are trying to hold me liable. i have been harassed and told that the debt is mine and now t he company changed the name on the account to my name as if it was the name being used the whole time.
Product: Debt collection

They are calling my work, friends, coworkers and saying they 're garnishing my checks and putting a lien on my home. They are calling everyone multiple times a day and refuse to send me proof of the debt. Also stating tbey served me papers in XX/XX/XXXX, for a debt from XX/XX/XXXX that was discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ), XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 

Equifax XXXX XXXX XXXX XXXX, XXXX. 
Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I notice that Missouri Higher Educ is showing up on all 3 credit reports which has been affecting my ability to provide for my family. I disagree with whatever issue that the company is having and asking for them to prove the debt because it is not mine note this company is also known as Mohela has a service provider 1st amount is {$3900.00} 2nd amount is {$4800.00}
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 : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  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 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity fraud. Someone wiped out about {$100000.00} from my XXXX XXXX account by opening accounts in different banks and transferring money from the bank. XXXX XXXX XXXX XXXX was one of the bank where part of fraudulent money was transferred. Bank did detect it as a fraud and put hold on the account when fraudster has opened the accounts. However, bank did allow the fraudster to do the bank transaction before account opening requirements were met like proofing documents. I have notified the bank of the fraud and transfer of funds to the bank. Also provided copies of police report and identity theft report. Talk to them couple of times to close the accounts and mark them as fraudulent. However, bank is keep asking for the money which I never received from them. Now they are trying to collect the money. Please see all written attached communication with the bank and reports provided to them. Also attached debt collection notices.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. The XXXX credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat these reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) XXXX CARD XXXX Balance : {$9100.00} XXXX CARD XXXX Balance : {$9100.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account XXXX : DEPT OF ED/XXXX  Account number : XXXX Account name : DEPT OF ED/XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, XXXX and TransUnion are violating 15 USC 1681e ( b ) by not removing accounts that XXXX has already deleted ; kindly remove these accounts from XXXX and TransUnion XXXX XXXX XXXX aact # XXXX XXXX XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Granite State Management incorrectly reported late payment on my account from XX/XX/XXXX - XX/XX/XXXX. They will not remove it despite my attempts to file a dispute with the credit bureaus.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XXXX, XXXX, XXXX under the account number ( XXXX ). Collection accounts such as XXXX  XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX on XXXX XXXX under account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that i was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that i have included a screenshot inside this complaint in on XX/XX/23 thru XXXX.please investigate and provide proof with statement showing that these payments were late. if proof can't be provided, I demand these payments be updated to pay as agreed on time as they should be due to the fact I was never late. 
Thanks! please see screenshot attached.
Product: Student loan

I have been paying on my student loan debt since XXXX and have seen a XXXX loan turn into XXXX. 
Through raising XXXX children, 3 work layoffs, and XXXX XXXX I have managed to pay and keep in good standing with my debt. I asked for help managing my loans first when they were with Salley Mae then Navient. I have begged for help as my loan keeps increasing. I found out last year ( XXXX ) from Navient that I was not on a program for the public forgiveness. I was upset but they switched me to another program and said I was on the right program. After thinking I Spent 8 years working for a nonprofit I was getting close and then started over. Well now I have been told ( XX/XX/XXXX ) I am not on a forgiveness program again. So thinking I had a year down now they are telling me I have to consolidate and apply with another company.
Product: Debt collection

I have written several times asking for VALIDATION and PROOF that I applied for and own. XXXX XXXX credit card. I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and XXXX XXXX   on behalf of XXXX XXXX. 

If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.