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

I have disputed these INACCURATE/UNAUTHORIZED accounts multiple times with TRANSUNION and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized/inaccurate accounts. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED/INACCURATE acounts and they need to be removed immediately. 

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

In accordance with 15 USC 1681c-2, please delete all unauthorized hard inquiries affecting my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, ny, XXXX XX/XX/year> I recently received a copy of my XXXX, XXXX and TransUnion credit report and I noticed some late payments posted on my credit report XXXX XXXX account # XXXX, I have attached a copy of my credit report with the proof of the late payments Your company is in clear violation of the law. Under 15 USC sub section 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 usc sub section 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above account from my consumer report, this agency is in violation of 15 usc sub section 1681.
Product: Debt collection

NATIONAL RECOVERY AGENCY is falsely reporting debt on my credit report. They are reporting two different accounts ; one in the amount of {$1200.00}, and another in the amount of {$970.00}. NATIONAL RECOVERY AGENCY is reporting both of these collection accounts, to all three credit bureaus with a false original date of XX/XX/2022. Both of these collections accounts are too old to be on my credit report. NATIONAL RECOVERY AGENCY is not legally allowed to report these debts to the credit bureaus according to the FCRA. It is the burden of NATIONAL RECOVERY AGENCY to prove that these collections reports are legitimate and they can not do so therefore these accounts must be removed from my credit report. NATIONAL RECOVERY AGENCY must stop reporting these accounts immediately as they are in violation of the FCRA. 

XXXX has recognized through a dispute that these collections accounts are illegitimate and they have been forcibly removed by XXXX. Please see attached dispute report. 

However, despite this NATIONAL RECOVERY AGENCY is continuing to report false information to the other credit bureaus. 

NATIONAL RECOVERY AGENCY ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NTL RECOVERY AGENCY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the negligent noncompliance of TransUnion XXXX XXXX with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section XXXX, which addresses civil liability for negligent failure to comply with the requirements of the Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Last week I applied for a capital one quicksilver credit card after receiving at least 20 advertisement mail forms stating I can get approved for their credit card. I proceeded to go online and filed, got approved immediately for XXXX and the following day they called me. They called me asking for more information, my social security card and ID and mailing address verification. They sent me a link to my email so I gave them my info. They called me the next day saying they need more information and that the mailing verification I sent was wrong but it wasnt, it was my name and address with my insurance company bill on it. I sent them a utility bill and they called back saying that was incorrect I ended up asking one of the guys I was talking to if this was a scam, he was silent for at least 20 seconds then said yes in a smiriking manner than proceeded to ask for more info I hung up. I looked up the phone number for capital one on XXXX and it gave me a different number. I spoke to a new guy and he seen my account and everything seemed normal I asked him if this was a scam he said no, I asked him to close my account I dont want this he said he did and that the confirmation will come in the mail in 7 days I asked for a email confirmation he said they cant do that. I then called all 3 credit bureaus and froze all my credit accounts! I am now wanting this CAPITAL ONE hard inquiry removed from my account knowing now that is was a scam and dont want this negatively impacting my future with my credit, thanks- XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX reported a late payment on my account that they indicated was only 3 days late. But shows us 30 days late. My real concern is that I'm being discriminated against because I'm XXXX. And XXXX years this is the first late payment that I have had on my credit report. My score was XXXX. Now it's XXXX. That is a tremendous decline in my score for just XXXX late payment. I feel it was totally discriminatory and this would not have occurred to anyone else who was white. I can not get an explanation as to why other than the system that's called XXXX score XXXX determines what my score will be. It took quite some time for me to get a score as high as I'd hand which was XXXX for it to suddenly decline to a XXXX. This should be a better way of informing a person why your score is affected so dramatically with no explanation other than blaming it on the computer system that they authorized. I think this is a direct violation to the XXXX equal credit XXXX. Has been well documented at these practices have been done for quite some time when it comes to credit for XXXX people versus others. I'm hoping that you can help me in trying to resolve this issue with all three credit bureaus. I work very hard to establish my credit for it to be damaged so harshly with no cost. Once again I've only missed XXXX payment in 2 years and my score drop close to XXXX points. I can see no justification for this action by the credit bureau. Please help me resolve this issue so hopefully it will not happen to other people. 

Thank you in advance for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I see an account that was not authorized by me and a collection that does not belong to me. I have contacted the police and reported this as fraud and was told to follow up with you guys. XXXX XXXX XXXX is on my credit report seeking a {$1000.00} collection for an account I have no knowledge of. I have never done business with XXXX XXXX XXXX. The credit report says it was opened on XX/XX/2020, and acct number is XXXX. I request an investigation in writing, and a return receipt requested from the credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is disregarding FCRA & is out of compliance. I have submitted requests for investigation on several accounts where I have not been provided verification of a debt. The company investigates the claim & validates the debt without proof of the debt provided to myself or proof that I have been provided validation per FCRA. 

accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX many of these accounts would be over the maximum reporting according to texas law even if they were valid.
Product: Credit reporting or other personal consumer reports

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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i A 1a 15 U.S. Code 1681i A 4 15 U.S. Code 1681e - b 15 U.S. Code 1681 - 1 15 U.S. Code 1681 - 2 15 U.S. Code 1681 - 4 On XX/XX/XXXX I disputed a negative item directly through Experian and XXXX that was furnished to my consumer reports by XXXX XXXX on behalf of my former employer/landlord XXXX XXXX XXXX XXXX Apartments on XX/XX/XXXX. 

In my dispute I provided proof that the debt did not exist and should have never been in hands of XXXX because XXXX actually owed me money even after this negative item was furnished to my consumer reports. 

On XX/XX/XXXX, This item was deemed as accurate and was simply updated. There is no way a proper investigation could have been done by either party because the whole account is inaccurate I showed that as an employee, my rent was deducted from my paychecks. My last date of employment was XX/XX/XXXX. I was scheduled to receive my final paycheck XX/XX/XXXX. On that date I received a check for {$0.00}. Even though I was owed money for my PTO. 

I was told they were holding onto my funds for the same alleged debt they assigned to Pro-collect. They sent my account to collections while still owing me money making the debt invalid. 

Upon discovering this Item I reached out to both lumacorp and pro collect to fix the matter and have it removed, and to get the money I was owed. 

On XX/XX/XXXX, XXXX sent me my final paycheck further proving I didn't owe them anything and this account should not exist and violating my rights in so many different ways.
Product: Debt collection

Beginning in 2016, and every year since Speedy Cash lending has tried to get me to pay for a payday loan that I did not take out, payday loans are illegal in the State of Pennsylvania. Today the total of what I owe is currently {$21000.00}. This is money that I did not borrow I have scanned all of their documents so that it has dates and amounts that I owe along with their court costs and fees
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 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 or other personal consumer reports

This will make the 3rd time asking XXXX Equifax and XXXX to remove this fraudulent items from my report. I never had any account with the following leanders XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 name is XXXX XXXX. I have an account with XXXX. XXXX is a buy now pay later option on purchases. The name on my XXXX account is XXXX XXXX which is incorrect. I wrote a letter to XXXX several years back and provided proof of my legal name change. It was never updated. On XXXX a loan was taken out on my XXXX account for a purchase with XXXX. Loan # is XXXX. The purchase price was {$2200.00}. I did NOT purchase anything from XXXX. I did NOT make the purchase, approve the purchase or have anything to do with the purchase. I contacted XXXX and they told me I had to contact XXXX. I contacted XXXX and they told me to contact XXXX. XXXX did provide me the order information that showed who ordered it and what address it went to. The same person ALSO tried to use my bank account to pay for the purchase. I reported that to my bank ( XXXX ) and XXXX and both entities worked together to get the transfer stopped and the money was put back in my account. BUT XXXX still wants me to pay for the product. I have filed complaint after complaint to get this unauthorized purchase OFF my account and OFF my credit but nobody will remove it. The person that purchased the bag is not an AUTHORIZED user on my XXXX account either. XXXX XXXX is not authorized to use my XXXX account. It doesn't matter if we USED to share the same last name that doesn't make it ok nor give her permission to use my account. I submitted bank records showing the reversal of payment, I sent the order from XXXX showing that it didn't come to my address, I submitted all my other XXXX loans and payment history to show I am responsible and pay all those on time, etc. This was eventually sent to collection ( XXXX XXXX ). XXXX XXXX had me submit them the same documents and they told me they WOULD NOT collect on it for XXXX because they feel it to be fraud / unauthorized. So XXXX XXXX sent it back to XXXX to deal with. I mean if the collection company doesn't even want to be involved that has to tell you something. But XXXX continues to send me letters telling me I am responsible to pay and its reporting negatively to my credit and hurting my credit. I want this addressed.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX
Product: Debt collection

I Received An E-Mail From XXXX XXXX ( Posing As One Of The Attorneys ) And Repres enting Speedy Cash On XX/XX/XXXX Stating The Following Information Below!! 

CREDITOR : Speedy Cash XXXX XXXX. XXXX XXXX Case No : XXXX Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 

We have sent you this warning notification about legal proceeding on XX/XX/XXXX but you failed to respond on time now it's high time if you failed to respond in the next 12 HOURS we will register this case in court, Consider this as a final warning and will be E-Mailing/Fax this issue to your current employer to make they take strict actions against you. Your salary and all your wages confiscated. 

We will be forced to proceed legally against you and once it is processed the creditor has entire rights to imform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local country sheriff department and you will be served by court summons at your doorstep. 

This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 

By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : -mailto : XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX
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  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 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 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

I have a dispute on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FRCA the term investigate '' consumer reports '' means a consumer report or portion thereof in which information on a consumer character, general reputation Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 


They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 
XXXX ACCTS ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX