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

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX Balance : {$440000.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX Balance : {$100000.00}
Product: Credit reporting or other personal consumer reports

I sent in a letter via certified mail to the XXXXXXXX XXXX XXXX XXXX XXXXXXXX that was received on XX/XX/year> at XXXXXXXX XXXX  This letter states that they are furnishing innacurate information that is negatively impacting my ability to obtain credit and should be removed in 10 Calendar days. I sent out a second letter stating that the incorrect accounts were being updated by the credit reporting agencies based on the information that XXXX XXXX XXXX gave them. Today is now XX/XX/year> and the innacurate accounts are still on my report despite the request to cease and desist.They have not sent the 1099-c that was requested.I also sent letters to XXXX, TransUnion, and XXXX. To which they updated the incorrect information. They are willfully not complying and reaging my charged off account by reporting payments I didnt make.
Product: Debt collection

On   XXXX   XXXX   XXXX     at approximately  XXXX   XXXX  time I received a voice mail from (  XXXX  )  XXXX  the caller identified himself as   XXXX    with  ext  XXXX . I called the number  (   Prince parker and associate 's in g. ) I was transfer to the collector  XXXX  the collector informed me that I had a bill from  XXXX   XXXX   XXXX  in the amount of  XXXX  USD he ask me how did I want to pay the bill. I told him that i needed to log in to my account with  XXXX   XXXX   XXXX  because i tough i paid my bill I 'm currently an  XXXX   XXXX   XXXX  customer and did not remember getting that bill, I check my account and yes I did have a balance in the amount for a recent closed account. The collector was persistent that pay the bill over the phone he advised me that my account was turned over to them on   XXXX   XXXX   XXXX    , I informed him that I did not feel comfortable paying over the phone since i did n't receive a statement from them, He insisted that he had all my information and confirmed my new mailing address and told me he had my Social security number and recited the last four of my social security number  I  asked him how come they never sent me a collection letter with my debt information and he claimed they sent multiple letters to collect. I then asked him how it was possible since they received my account 3 days ago, i told him i did not have a problem paying as long as I get a statement, I informed him that by law they had to give me a written notice a statement but he refuse and told me he was not going to argue with me and that he could not help me and he cut the conversation. I have no problem with paying my bill in was an oversight on my part, my responsibility is to pay that bill but i feel that your company is violating my rights under The Fair Debt Collection Practices Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to Experian several times to report inaccurate information on my report due to being and ID Theft victim. Not only have I reached out via phone I reached out via mail and got no response from them or any correction to my report. I have several accounts reporting on my report as a result of fraud. Ive also submitted police report to Experian. 1. XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are a couple of medical bills on my credit report that I don't recognize. I notified the credit bureaus of this and I also reached out to the debt collector that reported them and nothing has happened. I asked for validation and neither of them were able to but they are still reporting the accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXs n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXm XXXX  now
Product: Credit reporting or other personal consumer reports

From XX/XX/scrub>XXXX XXXX XXXX XXXX  allowed fraudulent inquiries to obtain credit under my name and social. 
XXXX bank and net credit are the other ones that I did not authorize. I am trying to build my credit and once I got it to around XXXX someone without my permission started trying to open accounts daily, weekly, and monthly. I am trying to get them removed and the company will not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

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

In accordance with the fair credit Reporting act XXXX Account Rent debt Collection, has violated my rights.

15 USC 1681 Section 602 States I have the right of 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 USC1666B : A creditor may not treat a payment on a credit card, credit report or credit account under a open end consumer credit as a late for any purpose. 

I am writing in regards to the rent debt reference to inform you that Im disputing this debt. Please verify the debt as required by the Fair debt Collection Practices act. 
I am disputing this debt because I do mot owned it, I never received any letter or any advice pf this collection. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already report it, please deleted this from my creditor report because this is not mine. Reporting information that you know is inaccurate, or failing to report information correctly, violates the Fair Reporting act.

Finally please note that I do not wish yo received further telephone calls or letters concerning this debt that I do not owe to the client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C 1692 ( c ).
Product: Debt collection

A couple of weeks ago a woman who did not provide me her name handed me paperwork from this company that had legal documents from XXXX XXXX California. I waited a couplt days later for the actual documents some they have to send them through mail as well. Im not sure how this woman got the address since that is not my mailing address. I believe that this woman either hacked my email or had a copy of my social security number. Through a third part that o used and provided them with my personal account information for apartment I was trying to rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I resolved a repossession debt that occurred on XX/XX/XXXX for a lease from Volkswagen XXXX for an Audi XXXX XXXX. The outstanding balance was XXXX which VW told me was due and stated I'd like to settle this debt. They provided their debt collector XXXX @ XXXX to resolve this matter. We agreed on XXXX that was paid in full on XX/XX/XXXX. Two days later, VW reported the debt as a Charge Off that appeared 37 times on my credit report. I submitted a dispute that this is incorrect as per the FCRA, this should only be reported one time, not 36 additional times. In addition on XX/XX/XXXX, they updated the credit removing one charge off and adding a repossession occurred on XX/XX/XXXX. This again is incorrect and inaccurate which they have denied. This has caused me financial damage as I'm unable to obtain a loan at a lower interest rate and my credit score dropped by XXXX points on XXXX XXXX XXXX as result of this irreparable damage to my credit profile. I demand that this be addressed by VW for the Account # XXXX. I reached out to both XXXX and VW, both have deflected blame and stated this is how it's done and reported and will take 90 days to update. Unacceptable, this has caused me financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 


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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX  EXPERIAN, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Accounts ever late, closed accounts and collections history is reporting in-accurate amongst the three credit burros. I'm inquiring removal of all late payments & collections / charge-off accounts purchased by another lender. Report Includes : Account Name : 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 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  PLEASE REMOVE ALL ABOVE ACCOUNTS ON CREDIT CONSUMER REPORTS. Thank You!
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Dear Equifax I am writing regarding my previous dispute, submitted on XX/XX/XXXX, about inaccurate information on my credit report. Despite my efforts to have the errors corrected, the matter has not been resolved. This account is clearly still not Metro 2 compliant. This account is clearly inaccurate & incomplete, so how did you guys even verify this account. Now you guys are neglecting my character & intelligence. 
I am now submitting this second request for an investigation on the procedures Equifax used to verify this account or remove this account off my credit file : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX FIX ERRORS OR REMOVE FROM REPORT Two-Year Payment History ( XXXX ) ( XXXX ) DIFFERENT REPORTINGS FOR PAYMENT HISTORY. HOW ARE THERE XXXX DIFFERENT PAYMENT HISTORYS REPORTING? 
NO 30 DAY LATE BUT SKIPPED TO 60 DAY LATE. IF ITS NO 30 DAY LATE HOW CAN IT BE A 60 DAY LATE? 
XXXX : HISTORY IS DIFFERENT ACROSS ALL CREDIT REPORTS XXXX : NONE REPORTING FOR XXXX Equifax : NO 30 DAY LATE BEFORE XXXX, SO HOW DID IT SKIP TO REPORTING 60 DAY LATE IN XXXX, HISTORY IS DIFFERENT ACROSS ALL CREDIT REPORTS High Balance ( XXXX ) HIGH BALANCE IS {$9900.00}, SHOULD BE {$0.00} XXXX : {$0.00} XXXX : {$9900.00} Equifax : {$9900.00} Last Verified : NO DATE REPORTING. HOW IS NO DATE REPORTING FOR LAST VERIFIED, BUT EQUIFAX SAID THEY VERIFIED? 
XXXX : No Date Reporting XXXX : XX/XX/XXXX Equifax : No Date Reporting Date of Last Activity ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATES OF LAST ACTIVITY. HOW ARE THERE 3 DIFFERENT DATES REPORTING? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Reported ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATES REPORTED. HOW ARE THERE XXXX DIFFERENT DATES REPORTING? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Opened ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATE OPENED. HOW ARE THERE 2 DIFFERENT DATES REPORTING FOR ACCOUNT OPEN DATE? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Closed Date ( XXXX ) NO CLOSED DATE REPORTING. HOW IS IT THERES NO CLOSED DATE ON A CLOSED ACCOUNT? 
XXXX : No Closed Date Reporting XXXX : XX/XX/XXXX Equifax : No Closed Date Reporting Dispute Status ( XXXX ) DISPUTE STATUS SAYS ACCOUNT NOT DISPUTED, DESPITE ME DISPUTING ACCOUNT MULTIPLE TIMES XXXX : XX/XX/XXXX : Account not disputed XXXX : XX/XX/XXXX : Account not disputed Equifax : XX/XX/XXXX : Account not disputed Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. If you believe the information is accurate, I request that you provide me with the following : The whole procedure used in your investigation to verify this account. 
Verification documents from the furnisher of the disputed information. 
If the disputed information can not be verified or is deemed inaccurate, I request that it be removed from my credit report in compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from Avante USA stating I owed a debt with the letter head date of XX/XX/XXXX. On XX/XX/XXXX Avante added a negative report on my credit report between the dates of XXXX XXXX XX/XX/XXXX. I had thirty days to dispute the validity of this debt and the thirty days are not up. Avante reported the account as open on XX/XX/XXXX on my credit report and I never opened an account with them or made payment arrangements with them. If I did owe the debt Avante is illegally re-againg a debt. On XX/XX/XXXX it would be seven years as the paperwork says service date was XX/XX/XXXX and Avante is trying to re-age the debt. The original creditor is not on my credit report as I can see.
Product: Credit reporting or other personal consumer reports

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. The following account is not mine XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. Inquiry was not authorized XXXX XXXX  Date of InquiryXXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Date opened : XX/XX/year> Please remove it from my credit report. 

5. The following account is not mine XXXX  Date opened : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the disputed account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

This account is still inaccurate after the re investigation delete the account immediately! 

XXXX XXXX XXXX ( account number ) - XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I recently received a copy of my credit report yesterday. 
Someone used my personal information without my knowledge to open a fraud XXXX phone account. 
This fraud account was not authorized or opened by me and shall delete from my credit report. 
I should not be responsible for a fraud account that I don't have any knowledge of. 
I already contacted the phone provider and was told the account was flagged as fraudulent but somehow this fraud account still showing on my credit report.
Product: Credit card

I am under the impression that Capital One is reporting XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX as late payments incorrectly. Also the balances at that time may need to be verified. PLease provide proof of the balances and deliquecies for that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did n't no what option to select from above in regards to my complaint. My issue is with my XXXX XXXX charge account. There was a major mix up with my payments as usually I make my payments with a rep over the phone and I agree to make that month 's payment plus the following month. So in essence I am paying 2 months in advance. To my knowlege I was current and up to date with my monthly payments. However I received a phone call from XXXX XXXX last month and was advised my account was late. I immediately made payment arrangements to catch the account up to date and under the credit line. I have agreed to this and they have received the payments as agreed upon. I asked the rep about my credit report as this account has always been paid on time and my credit is very important to me. I was told to dispute it with the 3 major credit reporting agency 's and they will respond to put the account back into satisfactory accounts. I did as they said and received a letter the other day advising me that it is reporting correctly. I am very upset with this because now this account is reporting in adverse accounts which is affecting my credit score in a very negative way. It is also showing that the account will go to a positive status in the year XXXX. This is not right. I explained that I do not want to pay 2 months in advance anymore as that 's what caused this problem in the first place. XXXX XXXX did not keep to there agreement. I have had this account since XXXX and shop alot at this department store but very upset that they will not advise the 3 credit reporting agency 's to move this account back to accounts that are satisfactory. I also requested paper statements instead of online banking because after this I do not want this to happen again. The account is current and up to date and below the credit limit. I am submitting this complaint because I was lied to and told that they will respond to move the account back to a positive account on my reports. I have also written a long letter to XXXX XXXX explaining again the whole situation and how this happened.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered fraudlent accounts linked to my profile.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

In XX/XX/2019, Transunion closed my positive rating account of mine due to a recent bankruptcy ( this Bankrutcy was recently dismissed ). I wrote to them to find out why, and instead of fixing the issue, they deleted the entire account! This was not what i wanted them to do. They didn't even investigate it, they just deleted it. When i called them over the phone, i asked why, they response was that this account was never reporting with Transunion! I said yes it has, i have proof of it. They actually hung up on me.They are being incoopertive in fixing this issue. They carelessly removed a very important new account of mine that was a new car loan that was helping my credit in a big way. They removed it from my credit report without even questing it. This is unprofessional! Also, i called up today at XXXX ( XX/XX/2019 and spoke to someone for a second time and was not only rude to me, but they hung up on me. This tells me they do not care how i feel! I work very hard in rebuilding my credit and building a stable credit history, and they do this to someone. This is not fair or right to me! They are violating my rights under the fair credit reporting act and want to file a complaint and charges against them! I am submitting documentations as proof that they did in fact delete my XXXX XXXX XXXX XXXX account that was being reported accuratly! This is a positive account of mine, and they deleted it for no reason! This is a violation of my rights and they are refusing to fix this issue!!! BTW, i did contact my finance company and had submited a ticket and had sent all 3 credit agencies information on my account, and transunion still is not reporting anything! It just shows you that once its deleted, its hard to add it back!