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

To Whom It May Concern, Im writing regarding the collection accounts on my credit report from XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX XXXX ), and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). I do not recognize these debts and have never authorized them. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 807 ( 8 ), its unlawful for debt collectors to falsely represent any debt. Additionally, I am invoking my rights under Section 809 of the FDCPA, which entitles me to request validation of these alleged debts. You must provide documentation proving that these debts are valid. 

Moreover, the Fair Credit Reporting Act ( FCRA ) mandates accurate reporting under 15 U.S.C. 1681s-2. This law requires that all consumer reporting agencies maintain accurate information. Given recent data breaches, Im also exercising my rights under 15 U.S.C. 1681c-2, which allows me to block any fraudulent information that might be appearing on my report.

If you can not validate these debts within 30 days, I will insist that these entries be removed from my credit report. Additionally, under 15 U.S.C. 1681n, I am entitled to seek damages of up to {$1000.00} for each violation of the FCRA, should it be determined that you are reporting inaccurate information. This is not just about getting these debts resolved ; its also about ensuring that my rights as a consumer are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I submitted a dispute to this company several times for the following accounts. XXXX XXXX account ending in # XXXX I was entered into a hardship program with XXXX XXXX and the agreement was that if I brought my account up to date within 3 months in XX/XX/year> the late charges would be removed. They did not honor their agreement as promised. The late charges are still showing on my account for XXXX, XXXX, XX/XX/year>. I also submitted a dispute for XXXX XXXX account ending in # XXXX. I was entered into a hardship program with XXXX in agreement where the agreement was that if I brought my account current they would remove any late charges. There is a late charge on my report for XX/XX/year>2023 that has not been removed. They did not honor their agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Bank of America Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sign up for Experian in order to dispute some inaccurate information on my credit report. I sign up with Experian with my correct name as XXXX XXXX XXXX, when I log in online to see my account, my name is shown incorrectly as XXXX XXXX XXXX XXXX, furthermore, the issues with inaccurate record with credit report was not fixed, instead, Experian kept asking me to pay for other membership level. 

I called Experian to ask them to fix this issue with incorrect information on my online credit profile, the person I spoke to verify and confirm my correct name on my credit report is XXXX XXXX XXXX, and they acknowledge my name is shown incorrectly on my online account on their system as XXXX XXXX XXXX XXXX with an extra XXXX. As a credit bureau, their job is to keep accurate record, not show incorrect data of customer when customer enter correct information then demand customers to do works for them. Even when they have the correct data on hand and acknowledge the mistake is with their site, they actually told me to get my government id and send it to their po box which I  refuse even though I have my ids because why should I do extra work to fix their mistake, and given that they are a consumer data gathering agency, it is their job to correct inaccurate data, not create mistakes on customer data and refuse to fix them even though they just said it themselves they know it was a mistake on their end and that they know what is the correct data on record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment any on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On the Morning of XX/XX/XXXX my Debit Card was fraudulently used by someone at multiple locations for a total of 7 times and a total of {$840.00} + {$9.00} in fees. I received a notice from BMO Harris stating that my card was compromised. I called the bank to confirm everything and start a fraud claim. After one day they approved one of my claims and paid me back a total of {$380.00}. After a week and a half of waiting I received a letter stating that they where denying the rest of my claims. They are saying that the physical card was used for the transactions so they are denying the claims, and that the first one was a mistake and they should have not paid that out. I have been in control of the card the whole time and was at home a sleep at the time of the alleged charges. Looking
Product: Credit card or prepaid card

My Capital One/Walmart Mastercard is requiring approval of each purhase from the same merchant I have been using for more than 50 transactions. Its harrassment to have me verify each and every purchase
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THESE ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I was never late on this account listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 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 you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 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 late payments from my consumer report, this agency is in violation of 15 USC 1681. XX/XX/year> Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud
Product: Credit reporting or other personal consumer reports

XXXX has erroneously reported my car loan as delinquent on XX/XX/XXXX, impacting my credit score by almost XXXX points when I am trying to buy a home and apply for loans. 

I sold the title and car to XXXX on XX/XX/year>, the check was issued to XXXX XXXX XXXX on XX/XX/year> and cleared on XX/XX/year>, however my account was still reported delinquent on XX/XX/year>. 

Due to XXXX 's negligence of not resolving this sooner when I first reached out to their LAX location on XX/XX/year>, I will be taking legal action against both companies, XXXX and XXXX. In the future, instead of telling people to wait for up to 45 days XXXX should have taken immediate action and not disregard a serious complaint. 

It is now showing I was delinquent for {$28000.00} which has never happened in my life on my credit report. Please connect me with your legal team to help resolve this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit file. As a victim of a data breach, these accounts were added without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items removed immediately. 
Accounts to Be Blocked and Deleted : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$20000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9500.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00}
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>. Please remove these fraudulent inquiries from my credit report.
Product: Debt collection

15 USC 1692c ( c ) : if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Walmart credit card. Unfortunately, Walmart transferred credit card management to Capital One. I was away from home getting help for a special needs child and not aware that switch was made. Every time I logged on with Walmart credentials I used to pay on Walmart credit card, system rejected my entries. When I called I was not able to get help because I did not have my Walmart credit card number. 

When I finally realized the unfortunate switch was made to a Capital One, I explained that the reason i was late is because of the transition to a Capital One. The ask was for Capital One to retract The late credit reporting to credit bureaus and Capital One downright refused!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding inaccurate information was submitted on XX/XX/2024, and I have not yet received a response.
Product: Debt collection

I am not liable for this debt with CAINE & WEINER plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RECEIVABLES PERFORMANC is reporting an account on my credit report with XXXX  XXXX XXXX by three different names with different information on each report. This account reporting states a {$1400.00} balance however I do not have knowledge of signing an agreement with terms and conditions with RECEIVABLES PERFORMANC. 

According to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

In summary RECEIVABLES PERFORMANC has not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This company additionally is not licensed although the state of California requires a debt collection agency to be registered and licensed in order to do business within this state. 

I have contacted this business providing the facts stated here but at this time the company is still reporting inaccurate information and will not respond to the demand of removal.
Product: Student loan

No payment is due while processing Sweet V Cardona. My school is listed in Exhibit C and money is owed to me by MOHELA. Violating terms of Sweet V Cardona settlement by trying to collect payment.
Product: Debt collection

A Debt Collection Agency by the name of JEFFERSON CAPITAL SYST located inXXXX XXXX, MN has made a mark to my credit report for a XXXX bill. Neither myself nor anyone in my family has ever had any account with XXXX. 

Some letters were received a few months back sent to my parents address, that I have not lived at for over 20 years. My mother had thrown them away as she assumed they were spam.
Product: Money transfer, virtual currency, or money service

I filed my tax return with XXXX and got an offer to get my tax refund sooner if I deposit into their other company of Credit Karma. I took it and let them do their work. 
Yesterday, which was XX/XX/XXXX I got my tax refund deposited into my account with Credit Karma which is more than XXXX weeks after my tax received date. When I checked on my IRS account, the money was transferred on the same date yesterday too, so that means nothing sooner as they have advertised. 

On the other hand, the reason I am filing my complain today is because of their annoyed policies of transferring our money out of the account at a rate of $ XXXX without any option to raise our limit ; in which I believe I have never seen the information when I chose their service. 
That means when I have a couple XXXX tax refund, now I am stuck with them to transfer every XXXX dollar out of it, everyday, until I got them transferred out. Otherwise I have to pay them XXXX % fees to transfer up to $ XXXX for my tax refund. It is such the most annoying thing ever, given their advertisement of getting our tax refund faster.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX 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 AM A VITIM OF IDENTITYTHEFT. I GOT NOTIFICATION THAT MY INFORMATION WAS AS COMPROMISED. I'M TRYING TO GET THIS ISSUE REMOVED WITHIN THE COMPANY AS WELL AS THE BUREAUS.NOTHING HAS HAPPENEDAND THE COMPANIES TELL ME THAT THE CREDIT BUREAUS HAS NOT TAKEN THE FRAUD ACCOUNTS OFF. THIS IS A VIOLATED DATA FURNISHERS RIGHT PER THE FOLLOWING, 15USC SECTION 602, 15 15 USC 1681 SECTION 604 AND 15 USC 1666B. XXXX, XXXX AND TRANSUNION HAVE VIOLATED MY RIGHTS. I INTEND TO TAKE LEGAL ACTION IF THIS IS NOT RESOLVED. PLEASE HAVE THE FOLLOWING ACCOUNTS ARE XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX- XXXX. PLEASE HAVE THE FRAUD INQUIRIES DELETED ALSO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 usa bank I was tey to open an account and it went my credit
Product: Checking or savings account

On XX/XX/2022, I tried to pay down my mortgage from my XXXX XXXX account for the amount of {$19000.00}. Account had more than enough cash at that point to pay the payment, however, XXXX XXXX declined the transaction and issued a {$30.00} fee on the account. Then I waited couple weeks for second attempt to pay the same {$19000.00} on XX/XX/2022, and the exact same thing happened ( and again the account did have at least {$27000.00} in cash that should more than cover the withdrawal ). Now they have charged me total of {$60.00} of fees and the withdrawal remains unsuccessful.
Product: Debt collection

This company has been harassing family members that I have nothing to do with and everyone that lives on my street. When I try to call them back at the number they call from, it is never able to connect because it's not a good number. I finally answered today and told them not to call anyone except my phone number and informed them that I am filing XXXX  XXXX Bankruptcy to which he told me I cant legally do that, laughed and said good luck and hung up. I am humiliated that they have left these threatening messages with my neighbors and people with the same last name. They told these people that they will come after them if they don't help the debt collector find me. They also left messages for me threatening to show up to my job and get me fired. One of the many numbers they called from is XXXX.
Product: Debt collection

Hi, I mailed in disputes stating that Portfolio Recovery Associates was reporting incorrectly on my credit Report. They are listed as a Collection Account however, they are reporting inaccurately stating, I have a past due balance and that I am 120 days late. They state these are collection Accounts, correct reporting should state unpaid collection. These accounts continue to report inaccurately and have a detrimental affect on my credit. I am requesting that they be removed from my credit reports from each of the three credit bureaus.

Here is a list of the accounts reporting incorrectly. 

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

I initially had to file a complaint because I couldnt access only my Equifax report for a few months. Finally after filing my complaint here and after some time I have been able to access the Equifax report along with the other 2 bureaus. But now Equifax is displaying very inaccurate information which could affect my approval for a home that I am getting ready to do next month. There is a XXXX XXXX account # XXXX purchased in XXXX, that should no longer exist on there and now they have it showing as 90 days late in XX/XX/XXXX which is completely unacceptable.This loan had it first date of delinquency in XX/XX/XXXX and subsequent issues and was paid off in full XX/XX/XXXX. It has been well over 8 yrs since purchased and over 7 since first date of delinquency. It should be off my credit report. Whats worse is they have a paid, old account shown 90 days late in XX/XX/XXXX which could very well affect my home loan approval. Im not sure if this was done on purpose because of my first complaint due to their lack of getting me access to my reports. I tried to dispute this online but I cant even do that. It says dispute still under investigation which should not be true. All disputes have been completed. Yet I went to where the XXXX account was listed to complain about this issue and couldnt. Please fix this. Equifax is the only bureau Ive ever had trouble with. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Vt XXXX XXXX