23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$950.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX 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 # ( private case number ) 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: Debt collection

Chase credit card was not supposed to bill me until XX/XX/XXXX, instead, they billed me XX/XX/XXXX. I am a XXXX veteran and my check deposits into my account usually on the XXXX. They caused me a {$30.00} insufficient funds charge at XXXX XXXX XXXX and refuse to pay the over draft. XXXX refuses to erase the charge. THERE SHOULD BE REGULATION THAT CHASE SHOULD HAVE TO PAY THIS {$30.00} NSF CHARGE.
Product: Credit reporting or other personal consumer reports

I wrote a letter on XX/XX/2023, inquiring about both known and unknown information on my credit report. I still haven't gotten an answer even after more than 60 days have passed. I feel as though my disagreements are being disregarded and exploited. According to Section 611A, if these issues are not investigated within 30 days, that is a valid cause to have them removed off my credit report right away. They ought to be removed right now because it has been more than 60 days. I demand that these things be taken down right now, or I'll file litigation for the stress you put me under. The Equifax data leak also affected my information, which might have ended up in the wrong hands.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXX  XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy discharged in XX/XX/XXXX, since that time I have followed all guidelines, have 100 % pmt history, established credit and remained below the standard credit useage guidelines. I sent repeated disputes to Experian about mis-reported bankruptcy accounts. 

The last one was 1 mo ago for XXXX XXXX XXXX, they were reporting as a 3 month old account, they admitted it was their error and stated it would fix, and my score would reflect it. 

I received and Experian alert today about potentially negative items : XXXX was back, yes reported in bankruptcy but dated XX/XX/XXXX making it appear a relatively recent account, and then they added XXXX same thing but dated it XX/XX/XXXX, making it also appear as a current negative account. 

I made 4 calls to their dispute center and each time given a bunch of double-talk, but the bottom line is Experian sent these on a credit alert as changes to my file and dropped by score again, back to where it was. One agent told me they have no control of the score, but they do in how they report. I have been so diligent about repairing my credit and all other scoring is showing me at XXXX, and it is my feeling that Experian deliberately creates problems so you will be inclined to sign up for their endless list of payable services. 

If we are at the mercy of a credit reporting company, the least we can expect is that your credit and payment history correctly reflect the individual, and they should not be able to hide behind well-rehearsed account representatives who attempt to " XXXX '' your concerns, and have no consequences for their actions. Again I received this " credit alert '' from Experian, themselves this morning. While I am at it, on the attached screen shot, there is a XXXX XXXX entry, I was going to get flooring through XXXX, they signed up a XXXX XXXX Account, and I refused the service/closed the account. Think I can get that removed..fat chance. I want a credit score that reflects my credit history.
Product: Debt collection

I am writing to request validation of the debt that you claim I owe, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This letter is not an acknowledgment of the debt, and I dispute its validity. I am requesting the following information : 1. Verification of the original creditor and the amount of the alleged debt.

2. Detailed documentation of the debt, including statements and records.

3. Proof of your authority to collect this debt in my state.

4. Information regarding the last activity on the account, if applicable.

I am aware of my rights under the FDCPA, and I expect your agency to provide the requested information within 30 days of receiving this letter. If you are unable to provide this verification, I insist that you cease all collection eorts immediately and remove any negative reporting from my credit file.

Please communicate in writing to confirm the receipt of this letter and whether you can provide the requested documentation. If you can not validate this debt, I also expect you to inform any credit reporting agencies to which you have reported it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$480.00} and {$79.00}, Date : XXXX XXXX and XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$280.00}, Date : XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$680.00}, Date : XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX. XXXXXXXX XXXX XXXXXXXX, Amount : {$100.00}, Date : XXXX XXXX, 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Re : Request for Removal of Charge-Off Account Account : XXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of the information being reported on my credit report under the account listed above. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., I am exercising my rights under federal law to challenge the validity and completeness of this account 's reporting.

Under Section 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a detailed description of the investigation they conduct within 15 days of receiving a consumer 's dispute. Therefore, I request that you initiate a thorough investigation into this account 's history and provide me with the following information : 1. The Original Creditor 's Verification : Please verify the accuracy of the reported information with the original creditor, including the date of first delinquency and the accuracy of the balance owed.

2. The Date of First Delinquency : According to my records, the date of first delinquency and subsequent charge-off may have been reported inaccurately. Please confirm this date, as it is critical in determining the reporting period.

3. Verification of Account Status : The current status of this account appears inconsistent across the various credit reporting agencies. Specifically : o XXXX reports the account as Charged off as bad debt with a derogatory rating and mentions Dispute resolved ; customer disagrees. 
o Experian reports Subscriber reports dispute resolved - consumer disagrees, noting an unpaid balance reported as a loss. 
o XXXX lists the account as Amount in high credit original charge-off amount and mentions Consumer disputes after resolution. 
XXXX. Inconsistent Payment Histories : The payment history reported by XXXX, Experian, and XXXX varies significantly, reflecting discrepancies that cast doubt on the accuracy of the account information. 
Given these inconsistencies, I believe that this charge-off account may not be reported accurately or in full compliance with the FCRA. Therefore, I am requesting that this account be removed from my credit report immediately, or that you provide conclusive evidence to support the continued reporting of this account. 
If you are unable to verify the accuracy of this account, I expect you to remove it from my credit report within the legally mandated 30-day period. Additionally, please provide me with a copy of the detailed investigation report as required by Section 15 USC 1681i ( 7 ).

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your receipt of this dispute and the results of your investigation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX
Product: Debt collection

In XXXX XXXX we were served with court documents indicating that Discover Bank and their counsel XXXX, XXXX and XXXX filed suit against us in a debt that we allegedly owed Discover Bank. 

On XXXX XXXX, XXXX, we contacted XXXX XXXX under our XXXX XXXX service to ask for advice regarding this case. We can not afford legal counsel but through our XXXX XXXX membership an attorney was able to offer limited help. XXXX XXXX sent a letter to XXXX, XXXX and XXXX on our behalf asking for verification of the alleged debt. The letter stated that neither the XXXX XXXX Attorney nor XXXX XXXX would be entering an appearance on our behalf and that we have no money for representation in court proceedings thus all communication should be sent directly to us. 

On XXXX XXXX, XXXX, XXXX and XXXX, counsel for Discover Bank erroneously sent validation documents to XXXX XXXX. XXXX Judge forwarded the exact documents to us. Upon review of the documents it was discovered that counsel for Discover Bank provided Discover Bank Statements of debt owed by XXXX different individuals, neither of these consumers are related to myself or my husband. 

On XXXX XXXX, XXXX XXXX Judge sent a letter to XXXX, XXXX and XXXX, counsel for Discover Bank, making counsel aware of the error XXXX, XXXX and XXXX made and their privacy breach. 
Counsel did not respond to this letter and when we appeared in court on XXXX XXXX, XXXX my husband and requested a dismissal of this lawsuit due to XXXX, XXXX and XXXX ' mishandling of this case ; in sending documents to the incorrect party, and the privacy breach in providing Discover Statements ( validation ) for XXXX individuals that are not related to the case filed against us by Discover Bank. 

Counsel has responded with conflicting arguments that XXXX XXXX and our debt management company sent the wrong documents to us and that the breach was not their fault. It is impossible that our debt management company made the error due to the date we received the documents. XXXX, XXXX and XXXX represents Discover in this case as well as many others, giving them access to Discover 's Consumer information. XXXX Judge does not represent Discover Bank in any way and has no relationship with either consumer who 's private information was divulged. It is also still unknown where the validation documentation of our debt was sent initially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The TransUnion credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX XXXX : {$0.00}
Product: Vehicle loan or lease

I called Ally Financial in XX/XX/XXXX to obtain my payoff amount. I wired the payoff amount through my bank. I have been waiting on my title and today XX/XX/XXXX, I received another bill for a another monthly payment but isnt due until XX/XX/XXXX. Its there mistake for not giving me the correct amount and I dont think I should have to pay this amount. Its absurd. They are a joke as to a finance company and I plan on suing them and my attorney will go after them for legal amounts that incrue for his time and any other fees that he see fit.
Product: Credit card

Bank of America claimed I have done fraud. the account was cleared with them but it 's on my consumer report.
Product: Debt collection

The collection ( {$3100.00}. XX/XX/2018 ) on my XXXX report was wrongfully placed on me. It actually belongs to my relative who used my address. I sent XXXX  the debt collection notice & medical bill with my relatives name as proof but they still said the collection stands. I contacted the debt collector and even they had my relatives name instead of mine in their system. It seems XXXX  was NOT really doing any investigation on dispute and was not willing to fix their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle that was purchased had broken down and was deemed a total loss. I had GAP insurance and the total cost of the vehicle was covered by this insurance. There is no outstanding balance due and consequently nothing to collect or charge-off. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this line item removed from my credit report however, I have not been successful.
Product: Debt collection

This account is disputed for fraud or re-aging. It either stems from a prior fraudulent account deleted after several investigations or a discharged bankruptcy account. Despite being repeatedly deleted, this account has resurfaced and is being sold instead of appropriately removed.

I will not engage in any direct communication. Instead, I am filing with the CFPB to ensure a documented trail. This account has undergone exhaustive investigations, and no personal communication will take place.

Provide every original document, opening records, complete transaction history, and any investigation logs. Failure to fully validate this account should lead to immediate cessation of collection and a deletion letter. Your actions indicate a failure to conduct proper research before attempting to collect. 

Given the accounts history, further pursuit places your company at serious legal and regulatory risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appeal to your service to have all three reporting services ( XXXX, Experian, XXXX ) remove the middle initial from my name. I continue to receive mail with a middle initial which, in my lifetime, have never used. Despite several requests to said reporting services to correct this mistake, they continue to carry my name with a middle initial.
Product: Credit reporting or other personal consumer reports

The account in question pertains to a XXXX vehicle Account number XXXX ( XXXX XXXX XXXX XXXX XXXX  ), for which I am incorrectly listed as a co-buyer or joint account holder. This account should only be in the business name and a personal guarantor attached to it. 

Please note that when I signed the documents related to this vehicle purchase, I explicitly agreed to act as a personal guarantor, not a co-buyer or joint account holder. I was clearly assured by the finance department that my role as a personal guarantor would not reflect on my credit report.

Nevertheless, upon reviewing my credit report, I found that this account has indeed been listed, which is incorrect according to the terms agreed upon at the time of purchase. I believe this to be a mistake and it may adversely affect my credit score. 

I would like to request a thorough investigation and correction of this error as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX keeps reporting that I had an auto Loan with them I do not. I every time I dispute it with the credit bureau it comes back as verified and they will change the amount and they type of loan.I have requested the loan documentation numerous times over last XXXX years and they have failed to respond. I repeatedly told them that I didnt request and auto loan and that I want the loan documents so that I can file a report but they have not responded. I bought a car XXXX XXXX of XXXXXXXX XXXX On XX/XX/2015 it was a buy here pay here lot XXXX XXXX was supposed to be a payment processor. I never agreed to any third party financing nor did I authorize any one to enter into a loan agreement on my behalf.
Product: Credit reporting or other personal consumer reports

the collection account for XXXX XXXX XXXX is showing on my credit report and they are furnishing this item as a collection dates of last activity from XXXX XX/XX/XXXX and Transunion XX/XX/XXXX XXXX different dates. I have requested first date of delinquency and they have not provided.
Product: Money transfer, virtual currency, or money service

I disputed my issue with PayPal after I was scammed by a seller on XXXX weeks ago. I have shared all my documents and disputed with my bank. PayPal issued me a credit of {$9.00} and took it as a refund as my bank hasn't decided. PayPal seems to be corrupt and doesn't seem to favor consumers.
Product: Credit reporting or other personal consumer reports

I have made several attempts to address the unauthorized inquiries on my consumer report without success. These inquiries have no connection to me whatsoever, and I am not responsible for them in any way. Their presence has resulted in considerable emotional and financial hardship. As an identity theft victim, I XXXX need to resort to legal action if this issue is not properly resolved. 

The false and fraudulent entries on my report have significantly impaired my financial opportunities, preventing me from acquiring my desired home and adequately supporting my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct this immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Portafolio recovery associates contiue to wreck my Credit over a debt more than 10 years old