23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX is attempting to collect a debt for XXXX XXXX. I do not owe this debt. I have communicated this to anyone who contacted me. Also it is from XXXX which is past FCRA and CA statute of limitations Civil Code 337. There absolutely can not be liability to any person on this claimed debt. They are re-aging it on my credit report claiming that it opened in XXXX and reporting it in XXXX.
Product: Debt collection

This debt collector keeps calling and leaves NO message, they call early in the morning time and later at night. They have been told to stop calling and to NOT call anymore in the last several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a duplicate information - the same loan is posted more than once by the same lender, it shouldn't be listed as multiple accounts. Please remove the excess lines.. FCRA protects consumers against the misreporting of data on a credit report that includes multiple listings. XXXX and Transunion didn't have procedure in place to ensure accuracy. Mistakes can happen I understand but this one, I couldn't slip away, Please rectify quickly US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX
Product: Credit card

I applied for AAdvantage MasterCard issued by Citi in 2015. At that time, the promotion was : if you apply through XXXX XXXX 's website, you only need to spend {$2000.00} in first three months to receive the XXXX bonus miles. I did applied through XXXX 's website and I did spend over {$2000.00} in the first three months. However, I have n't receive the bonus miles until now. 

I have contacted the customer service and was told to provide proofs of such promotion. I have faxed the promotion details including advertisement and articles from third party consumer review websites. However, I still have n't receive any bonus miles.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX XXXXXXXX XXXX XXXX : Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ First Progress ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request. 
When the inquiry is for a legitimate business need related to a transaction initiated by the consumer. 
For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry.

I am requesting that you : 1. Investigate this matter with the company listed above.

2. Remove the unauthorized inquiry from my credit report.

3. Provide me with written confirmation of the removal.

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the 30-day investigation period mandated by the FCRA.

Thank you for your assistance. 

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

Fraud ( ID Thieft ) FTC report # XXXX XXXX XXXX, my identity was stolen twice while in XXXX XXXX, XXXX XXXX incident was report to my bank XXXX XXXX  in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX reports were filed with both Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Have disputed this several times with Credit Reporting Agency each time they state the same - Current : Completed investigation of FCRA dispute - consumer disagrees. 
Foreclosure proceedings started. Previous : Foreclosure proceedings started. 
XX/XX/XXXX to XX/XX/XXXX. Completed investigation of FCRA dispute - consumer disagrees. 
XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

Other : Company has never called or written regarding this debt which is not mine and is reported to have happened same time as ID XXXX in XXXX. Have called company several times and have been on hold for up to 3 hours
Product: Debt collection

This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and Southern Management SYST ( debt collector ) They have failed to provide documentation that the debt is legal.

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by Southern Management SYST immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are account 's and inquirys on my account that I did not authorize and there are also collections and late payments being reported that are inaccurate I have contacted XXXX XXXX and Equifax to dispute these items and give them my updated address and they hang up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

An agency I had never done business with is reporting on my credit report. No previous communication has ever been conducted with this company and no previous terms and conditions has been provided to me on this debt. 
These errors are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), the Truth in Lending Act ( TILA ), and 15 U.S.C. 1681 ( e ) ( b ). I am requesting that these errors be corrected and that my credit report be updated accordingly.

Under the FCBA, I have the right to dispute any billing errors on my credit card statements, and under TILA, I have the right to receive accurate and complete disclosures about the terms and conditions of my loans. If any of the disputed items are related to billing errors or inaccurate loan disclosures, I am requesting that these items be corrected or removed from my credit report. Please note never had any business with these company
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update these account completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Explained to Equifax through several disputes online and by mail, last sent XX/XX/2022 that many derogatory accounts such as chare-offs can not be reported if the Original Creditor charged off the debt but I did not receive a 1099c to recoup any finances. Thus indicating their removal from my profile. Also indicated that neither Equifax nor XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX which all identify as charge-off accounts. Equifax was also notified about the fraudulent use of my name in various ways, addresses that I have never lived, and other fraudulent use of my profile in which they furnished without my consent and verified without my consent. Equifax has fraudulently assumed the role in my trust and personal identity against my will and acknowledgement and still continues to furnish such derogatory information against my written, oral, and otherwise requests to delete such information which has been a hindrance on my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

CREDITACPT XXXX Balance {$0.00} CREDIT ACCEPTANCE CORP XXXX Balance-
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one has got several students t loans in my name. I was incarcerated during moat of them most are loans from the XXXX XXXX XXXX Auth. There are some other private companies as well XX/XX/XXXX - {$650.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$640.00} XX/XX/XXXX - {$330.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$370.00} They're ruining my credit. I've already filed with the federal trade commission and made a police report back in XXXX when I got out of prison but nothing is being done.
Product: Vehicle loan or lease

XXXX is reporting a loan I received negatively on my credit reports. I fell behind in payments after an injury caused me to lose my job. I was out of work for some time and could not pay my bills. I became homeless as well. Just recently, I got a new job and gross $ XXXX annually.
Product: Credit reporting or other personal consumer reports

Dept. of education is reporting inaccurate information on behalf of my credit report and this company needs to be removed off my credit immediately. All XXXX agencies has inaccurate information inaccurate Month ( terms ), payment status, Date late active and credit limit
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these are accounts are damaging to my credit report and I don't have the luxury to just wait around and let the problem fix itself by your agency. Under 15 USC 1681e ( b ) Accuracy of report : whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume the maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 USC Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX {$550.00} XXXX XXXXXXXX XXXX XXXX {$660.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has repeatedly failed to provide accurate and validated documentation for a bankruptcy on my credit report that does not belong to me. I've consistently asked for documentation and information, per my consumer rights, relating to how the information is valid. I have not filed for Bankruptcy within the United States of America, ever. There is a bankruptcy on my Transunion report ONLY that they have failed to remove. No bankruptcy exists for me. I have contacted the court ( attached ) and they have also stated they do not report such information to third-parties such as credit bureaus. This must be removed ASAP or I will file a lawsuit. 

NOT A DUPLICATE CASE.
Product: Credit card

When I called in my XXXX payment I gave the receptionist my bank acct #. I was assigned a new acct in XXXX because all my accts were breached by unknown. I had to be assigned new accts.i called in my payment as usual to the receptionist, wrote down her name and verification info for the payment. I also paid my other 2 accts with PayPal. Then I got a notice my payment was not valid. We went over the numbers to verify and apparently she had put the old acct #. They sent me one of their checks with my name and the amount of {$150.00} I had paid and ask me to deposit it, which I did, with no problem. I paid all my bills the amount in installments due with my new acct and there was no problem. 
I also paid my bill that was due in XXXX no problem, the checks went through, to PayPal credit, regular PayPal my bill & Amazon Acct which belong to Synchromy. Now I got a letter that on XX/XX/13 that my acct is closed because the number of dishonest checks received I have no dishonored checks from them or otherwise. 
I just want to clear my name., no problem giving up the cards. 
Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 i tried to open a bank account with XXXX  XXXX XXXX XXXX which was denied and i was asked to go to a branch with 2 forms of id. I went to a branch with id and account was opened.I am a current memeber of XXXX  XXXX XXXX. When trying to open other bank accounts i kept being denied. I got a copy of my chexsystems report which says i have a account closed for fraudulent activty. I contact XXXX  XXXX XXXX several times with no reason why the account shows closed for fraud. i have contacted and disputed with chexsystems to no avail.XXXX  XXXX  XXXX cant tell me anything and niether can chexsystems mean while the only one to suffer is the consumer.They do not verify information properly and there is no way for the company that reported the item and the agency reporting to even verify. Then they ping pong you back and forth.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint I filed against World finance Company this was from a loan back in XXXX that was closed in XXXX then World finance sold it to another part of their company and then re-opened the account XXXX years later in XX/XX/XXXX and lied and said I made a payment which I sure did not it is a bold face lie I reached out to the company but they were unresponsive and rude this is my only option left
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX Account Number : XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX & XXXX Account Number XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX  Account 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the presence of certain accounts on my consumer report, as I firmly believe that they are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b and 15 U.S. Code 1681c-2.

Under 15 U.S. Code 1681b, which addresses the permissible purposes of consumer reports, it is unequivocally stipulated that a consumer reporting agency may furnish a consumer report only under specific circumstances, one of which is " In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. '' I wish to emphasize that I have NEVER provided written consent to any consumer reporting agency to include the disputed accounts in my consumer report. This infringement directly contravenes my rights as a federal pro-consumer individual. 

Furthermore, I must bring to your attention that the inclusion of these accounts on my consumer report without my consent amounts to identity theft, a matter I have promptly reported to the Federal Trade Commission ( FTC ) and for which I have been issued an FTC reference number ( XXXX ). As an identity theft victim, I urgently demand the immediate removal of these accounts and inquiries from my consumer report. 

Account Information : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiry Information : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 According to 15 U.S. Code 1681c-2, a consumer reporting agency is mandated to block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than four business days after the date of receipt. It has now been more than 30 days since my initial request, and your agency remains in violation of this law by failing to promptly address my dispute as a victim of identity theft.

I want to make it abundantly clear that my dispute is not with the creditor associated with these accounts but with your reporting agency, which I did not authorize to include this information in my consumer report. I kindly request the immediate deletion of these items from my consumer report to rectify this unsettling situation.

I fully anticipate your agency to act in accordance with the FCRA and federal law with the utmost expediency. Failure to do so may compel me to take legal action to safeguard my rights as a consumer. I earnestly appreciate your immediate attention to this pressing matter.
Product: Credit reporting

Experian is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. 

If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )
Product: Debt collection

I received a collections notice on a debt that I was never billed for. My complaint is with the medical provider of the debt XXXX XXXX XXXX XXXX XXXX. They never billed me for services I received in XX/XX/2023. I have no record of a bill. I paid a copay of {$70.00} cash ( upon arrival I believe ) which should be the total amount owed. I thought this was resolved until I received notice that my unknown debt was referred to a collection agency. I found out from the collection agency that this provider tends to bill once and refer to a collection agency. I never received a bill. I also inquired about my payment and was told there was no record of patient payment and since I believe I paid cash I now have no record. I called the medical provider directly and asked for a call back 5-6 days ago and have not heard back. I am filing a complaint for the way they are doing business. When talking to collections I was told this is the way the provider does business. They send one bill and then send you to collections. This does not seem like a good way to do business.
Product: Debt collection

Despite sending a cease-and-desist letter to Credit Control , LLC in XXXX ( XXXX XX/XX/year> and received by Credit Control , LLC XXXX XX/XX/year> ) XXXX I have continued to receive letters from them. As a consumer, I have the right to request that all communication from a debt collection agency cease. It is disappointing that this request has not been honored by Credit Control , LLC. I urge them to respect my wishes and comply with the cease-and-desist letter that was sent, as it is their legal obligation to do so. Persistent and unwanted letters or phone calls can cause undue stress and disruption, and I expect a professional and ethical approach from Credit Control , LLC in their debt collection practices.
Product: Credit card or prepaid card

I bought furniture on credit from XXXX XXXX and received a credit of $ XXXX. The card number is XXXX. The credit was actually to Synchrony Bank. I made payment for months, but fell upon difficult time during covid, and went to minimum payments and then no payments. Synchrony started calling me. I want to say without embellishment sometimes it was 5 or 6 a day. Sometimes it was early in the morning sometimes late in the evening.Some However, after dealing with all of the phone calls I started to look closer and the amount due, the balance seemed wrong, I should add that on the evening that I bought the items the salesperson had problems with the computer and could not print copies for me and promised to send them later. I called one or two times afterwards to follow up, but the saleswoman was never avail, and never returned my calls. I finally forgot all about it. Until I started to fall behind. I called once synchrony about the original agreement and was gruffly told that I should have hung on to them and that she could do nothing for me. Then after time I sent a letter asking for signed purchase agreements with my signature. I wanted to review and verify the terms, interest rates, late payment rates, etc. When they finally responded, the sent me a huge stack of payment statements, but never the agreements that I asked for. I am taking too long, your webpager says i am about to time out i will add more later?
Product: Bank account or service

Somebody took out {$9500.00} from my business account thru online XXXX/XXXX/2016 without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX credit cards with USAA. Both cards were charged off by USAA in XX/XX/2017. I have requested a 1099-G for both cards multiple times from USAA and they have refused to provide the form for the charged-off accounts. USAA also continues to report this account as delinquent every month since the charge-off even though the account was closed on XX/XX/2017. I have requested USAA fix this multiple times, and they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I check my XXXX XXXX  and I seen that Sears/CBNA ( Complete Dept.stores ) is currently reporting on my credit report. I have no affiliation with that company and I didn't sign up for anything with that company. This is fraud and I recommend that you close that account immediately. Sears/CBNA reach back out to me and said that they're no account that below me that's current in their system. Which that this information is reporting inaccurately and needs to be remove. You can reach me at XXXX if you have any question or need any help with anything.