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

Ive been disputing inaccuracies and the company keep updating inaccurate information I asked them to do reinvestigation and still account has not been deleted! Consumer reporting agencies havent sent me any description or relevant information on these accounts. Account name- XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Also XXXX keep updating XXXX with inaccurate information please have these accounts deleted! These consumer reporting agencies are breaking FCRA LAWS!!!! 15 usc 1681 ( a ) ( 1 )! 15 usc 1681 ( b ) ( 2 ) permissible purpose! 1681 ( 6 ) ( b ) iii description of procedure! And also a consumer report excludes transactions and experiences accordance to 15 usc 1681 ( a ) ( 2 ) i please please delete!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by Transunion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1. Last activity, 2. Balance, 3. Date opened and 4. Last payment date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name TransUnion XXXX XXXX Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance $ XXXX $ XXXX $ XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint about Transunions failure to investigate and remove incorrect information after they incorrectly merged someone elses name and address into my credit profile at the request of XXXX XXXX XXXX. I have a subscription to Transunion monitoring and I called Transunion in XX/XX/2021 about duplicate accounts & incorrect information on my profile. The transunion representative said I had two profiles with different names and addresses. Instead of deleting the the wrong profile with the incorrect name and address Transunion merged someone elses profile into mine changing my name and listing me at an address that has never belonged to me. 
Ive never reported the address XXXX nor used or changed my last name. All Transunion had to do was look in my credit history and see that I have never used an address at XXXX or used the name XXXX or XXXX. My last name is not XXXX nor am I man. This persons name and address have been merged to my report and Im now being harassed by XXXX XXXX posing as a government health agency in attempt to collect my personal identifying information to collect a debt that belongs to a XXXX XXXX. As a result I have have had to file a complaint against XXXX XXXX XXXX for attempting to collect a debt for impersonation, deception, and false misrepresentation with both the CFPB and the FTC. As of today the debt for {$430.00} from XXXX XXXX XXXX is no longer reporting on Transunions monitoring site but Transunion sent me my credit report last week in the name of XXXX XXXX and reporting XXXX as my previous address. The collection along with everything reported by XXXX XXXX including the additional name and address is false & needs to be removed from my credit report and profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX sent dispute to XXXXn and Equifax concerning a collection from XXXX XXXX On XX/XX/XXXX I was advised XXXX deleted the account file : XXXX {$420.00} amount shown in collection As of XX/XX/XXXX This account is still being reported as in collection and 0 % paid This was an account that was used/open fraudulently on an XXXX XXXX XXXX I never received and I reported to XXXX XXXX . I was advised account was closed and would be noted. ( original date XX/XX/XXXX ) XXXX XXXX apparently purchased XXXX XXXX and this account began to appear on credit report as collection. I have disputed numerous times and requested validation and have never received any proof this account is or was opened by me : billing detail statements, signature card or proof this is/as my account. 
XXXX/Equifax finally were to delete the account but still showing on Credit Bureau Reports I believe this account keeps being sold/bought by different collection groups. My only notice has been Credit Report Monitoring
Product: Debt or credit management

Harassing calls from them ( freedom debt relief ) with different numbers since ( XX/XX/year> ) and XXXX calls today ( SundayXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all 3 of my credit reports XXXX, XXXX and Transunion. I never lived at XXXX XXXX XXXX XXXX whatever the full address did not appear XXXX XXXX  TX XXXX. The second address is XXXX XXXX XXXX NJ XXXX address was not complete. The third address is XXXX XXXX XXXX, Tx XXXX. I was a victim of credit fraud the person had access to my email which I no longer use.
Product: Checking or savings account

My account always overdraft and when i make a payment the money its taken and then its says pending it reduces the payment again, always my checking account running low even if i dont use it, theres no way i use that much money. I try to keep my money on savings to tract unusual overdraft and its going on, i havent put a claim yet but im trying to do it now
Product: Debt collection

I received a couple of calls that I owe money for two appts at different health agencies, I asked for proof the debts are mine. I was then hospitalized and when discharged was served a summons to appear to a " Request for default '' hearing. I called Merchant 's Association and said I would pay the debt but I wanted them to send me proof that I owe the debt because I do not recognize the name of the XXXX clinics they say I owe the debt for. I have not received proof as of yet. Now I have received another " Notice of intent to request default judgment '' which says I have 10 days to respond. I logged into the XXXX XXXX XXXX XXXX efiling system to look up the case number on the summons and the case number does not exist. Today I sent ( via fax and certified mail ) a letter again requesting proof that I owe these debts so that I can reconcile them with my health insurance company to make sure they are my debts, they were billed and processed correctly ( if at all ), and pay what I owe if legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Only XXXX  is reporting this account as charge-off. This is unfair. Also XXXX is reporting charge-off yet it has a balance. This is inaccurate. I would like this removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under several U.S. Codes 15 U.S.C 1681 Section 602 A. States I have the right to my privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions 31 U.S. Code 3123 - States I as an Original Creditor, and consumer don't owe debt, Payment of obligations and interest on the " public debt ''. The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.
Product: Debt collection

Capital one has sent multiple letters with someone elses account info on them there not mine I disputed it and got nothing but internet copies from someone elses account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not opened a XXXX XXXX account with XXXX and when charges were fraudulently charged to when they claim is my account, I promptly contacted them on multiple accusation both online, webform and via phone. I was sent a letter from XXXX dated XXXX XX/XX/2022 determining I am not responsible for the charges. 

XXXX even sent me check for fees charged as a result of the error they made. XXXX is now is ending statements adding late fees, all sorts of bogus fees and inappropriately and incorrectly reporting inaccurate and false information the XXXX credit reporting agencies. They continue to send me letters stating that a review of my supposed account needs to be checked and when I do call they claim it will be taken cared of, yet they continue to falsely report the balance to the reporting agencies. I have and can provide copies of these letters. 

This isn't the first time XXXX has engaged in this same activity attempting to scam customers into paying false and inaccurate amount, as I have them to the CFPB and XXXX. I have spoken with legal representative and will files a lawsuit against XXXX if they do not swiftly correct their intentional mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ARS ACCOUNT RESOLUTION Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on THE SECOND COLLECTION ACCOUNT OPENED FRAUDULENTLY WITH ARS ACCOUNT RESOLUTION FOR THE SECOND TIME. 
Original Creditor : XXXXXXXX XXXX XXXX  XXXX account number XXXX with a balance of ANOTHER {$1400.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Debt collection

i have never received and notification of the debt, i also asked for a validation of debt by sendinfg in certified letters that they did not respond to,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two Bankruptcies on my credit files in error. I have contacted XXXX, XXXX   and TransUion via certified mail to dispute these errors several times with no resolution. These Bankruptcies do not belong to me and they have negatively effected my business and personal life. Each credit reporting agencies was provided notice that I was a victim of identity theft. TransUnion has deleted this erroneous error, however the other two credit reporting agencies have declined to do this. 

I requested that each of the credit bureau contact this Bankruptcy court to validate the actual identity of the individual these Bankruptcies actually belong to. I also requested proof to support that these reporting bureaus actually contacted this specific Bankruptcy court for verification. That information has not been provided by none of the credit reporting agencies. I sent this request in writing and via certified mail with return receipt to verify my request. It has been over four months and I still do not have resolution.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND I SEEN SOME IN ACCURATE INFORMATION. ACCORDING TO THE FCRA ALL INFORMATION MUST BE 100 PERCENT ACCURATE. THIS ACCOUNT IS NOT REPORTING ACCURATE. I SUBMITTED PROOF THIS IS NOT CORRECT 15 U.S.Code 1681e ( b ) These accounts are in violation of not reporting 100 % accuracy.

15 U.S.Code 1681i ( 7 ) Method of verification- These accounts are in violation. It was reported without valid evidence.

The accounts that I am referring to are listed below : 1. Under 15 U.S.CODE 1681e ( b ) and 15 U.S.CODE 1681i ( 5 ) this account is in violation and is not reporting 100 percent accurate XXXX XXXX Account Number : XXXX THIS ACCOUNT # : IS NOT 100 PERCENT ACCURATE MONTHLY PAYMENTS : IS NOT 100 PERCENT ACCURATE BALANCE : IS NOT 100 PERCENT ACCURATE HIGH CREDIT LIMIT : IS NOT ACCURATE LAST REPORTED : IS NOT 100 PERCENT ACCURATE DATE OF LAST PAYMENT : IS NOT 100 PERCENT ACCURATE IVE ATTACHED PROOF 2. I had never even heard of this company before! I also dont have any contractual relationship with this company COLLECTION AGENCY THATS REPORTING THIS DEBT. I SENT A LETTER ASKING FOR A CONTRACT WITH MY WET SIGNATURE. THEY NEVER SENT IT. PLEASE DELETE FAIR COLLECTION AND OUTSOURCING Account Number : XXXX Please DELETE it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX. ) XXXX  XXXX  XXXX- ACCOUNT # XXXX XXXX. ) XXXX XXXXXXXX XXXX - ACCOUNT # XXXX XXXX. ) XXXX XXXXXXXX XXXX - ACCOUNT # XXXX - THIS ACCOUNT IS LISTED TWICE ON XXXX! 
XXXX. ) XXXX XXXX XXXX - ACCOUNT # XXXX I have attached the each account in the attached. 

These accounts are in violation! XXXX AND EQUIFAX have allow violations and they continue to willfully do harm. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud.

Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely. 
Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX : Formal Dispute Unauthorized and Fraudulent Reporting of Student Loans Dear [ Transunion ] I am writing to formally dispute the student loan information that appears on my credit report. These loans have been fraudulently reported without my authorization, and I demand their immediate removal. 
The specific account ( s ) in question are : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Reason for Dispute : I never provided XXXX or any loan servicer permission to report this loan to credit bureaus, making this reporting unlawful and fraudulent. 
According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must ensure that all reported information is accurate and legally permissible. Student loans are not traditional consumer credit, and I never signed any agreement allowing this debt to be reported on my credit file. Reporting these loans without my consent is a violation of my consumer rights. 
I demand the immediate deletion of these accounts from my credit file. If you refuse to remove these items, I request : XXXX. A legal explanation detailing the authority by which this loan has been reported. 
XXXX. Proof of my signed authorization granting permission for XXXX or any loan servicer to share my information with credit bureaus. 
Under the FCRA, you are required to complete your investigation within 30 days. If these fraudulent accounts are not removed, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel to pursue further action. 
Please confirm receipt of this dispute and provide an updated copy of my credit report once these accounts have been deleted. 
Sincerely, [ XXXX XXXX XXXX Enclosures : [ I have submitted FTC complaint XXXX Complaint # XXXX ]
Product: Credit card

In a recent dispute claim # XXXX. Discover claims they sent a detailed letter with the terms of the payment plan. There is nothing within the attached letter saying my payment will be dropped from a payment plan and I need to call In to reinstate the plan. I have been on a payment plan for a year paying {$74.00} which is debited from my account to pay this dept. if I had known the payment plan had to be put into place each year I would of done so. You removing my payment from the plan defaulted and dropped my credit over XXXX points putting me below average to now be able to purchase a home. The entire purpose of a payment plan was to correct my credit. I am asking that you remove the mark on my credit for your error in making it clear to a customer that a payment plan must be reinstated each year documentation is attached. This account has been set up yet again on a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that was fraudulently opened & harming my credit score. I have reached out to both XXXX & TransUnion to resolve the matter. They are telling me that the results are verified. However according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Which the XXXX & TRANSUNION have yet to provide.
Product: Payday loan, title loan, or personal loan

Hello Ive being using PayPal for years They never prompted me to install a 2-step verification after they did and I added it to my account. Since then I can not login to my account with the right password because the second step they sent 6 digits to the authenticator application but they never informed me what application that is. 

After spending hours of my life and weeks of trying to get in touch with the live representative, access to talk to someone over the phone without being able to log in to an account is impossible. On XXXX XXXX, they refuse to help and can't understand the issue. They keep sending links to change passwords that is not the issue. They also keep sending links to texting over the phone again because they can not understand the issue. 

Contact customer service " as guest '' on hold forever. Nobody every picks up. 
You can only contact PayPal customer service over the phone when PIN is provided from the account after being logged in I can not remove 2-step verification without being able to log in. 
Due to this ongoing issue, I will be late on my $ XXXX credit line payments. 
I have requested many times to call me no one ever honors this request Over the texting the agents not equipt to understand the problem
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted my initial dispute via U.S.P.S. certified mail to Equifax, which included copies of my driver 's license, proof of address, and Social Security number to verify my identity. On XX/XX/year>, Equifax responded, claiming that the information provided did not match their credit file and requested that I resubmit the information, which had already been provided. On XX/XX/year>, I mailed my response via U.S.P.S. certified mail under the Fair Credit Reporting Act ( FCRA ), reiterating the dispute and reminding them of their obligations under the law. I also requested the deletion of the inaccurate information and demanded damages under 15 U.S.C. 1681n-1681o. Despite my efforts, I received a letter from Equifax dated XX/XX/year>, which once again stated that the information I provided does not match their credit file. Account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, MERCHANTS CR ( Orig.  Creditor : XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX ), CONVERGENT OUTSOURCING ( Original Creditor : XXXX ), XXXX, and XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses on my report corrected, this is a violation of my consumer protection rights.
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 : 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 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.