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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting several inquiries that do not belong to me. 

Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian Experian XXXX Experian
Product: Credit reporting or other personal consumer reports

In XXXX  XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXXXXXX ( Inquiry Date : XX/XX/XXXX ), XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report.

# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting or other personal consumer reports

I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from my employer regarding a wage garnishment to take 20 % of my payroll check. The letter was sent from a company by the name of Dobberstein Law. I have no knowledge of this company and have never heard of them. I emailed my payroll and informed them that I am requesting for them to stop the wage assignment as I do not know who this company might be. My payroll is not enough to even pay my current bills let alone be garnished by a company I have no knowledge of. I am submitting this for complaint because I have tried to reach out to this company with no response other then receiving robotic calls. I am asking for this wage assignment to be reviewed immediately. Thank you
Product: Bank account or service

Twice in the past 18 months JP Morgan Chase has without cause reduced the credit line on all of my Chase credit cards to within {$400.00} dollars of the current balance, all at once. This XXXX incident they did n't notify me in advance. Their actions has caused my ratio of available to used credit to artificially skyrocket, cause my XXXX score to plummet to a level where I 've been declined employment, my auto insurance rates have increased and credit is unavailable to me at an affordable rate. I 've never been late on a payment to Chase or any other creditor. This behavior is criminal. For those of us making the effort to repay our debts and not file bankruptcy, financial institutions like Chase make it virtually impossible to do so. They are
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Product: Debt collection

This is debt belong to my son XXXX XXXX who passed away on XX/XX/2016. The Bank of America used the collector agency XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. Tel XXXX. In the amount of {$890.00} Ref # XXXX. Turned over this debt to my name, who is the father. 
My name is XXXX XXXX. I do not have anything to do with this debt or any knowledge at all. I Do Not co signed anything on this debt. I already sent out his original death certificate to Bank of America notified, verified after his death. XXXX XXXX sent me Certified letter that the debt {$890.00} was once belonged to XXXX XXXX now is be under my name XXXX XXXX. Why is that? 
Do I have responsibility to all my kid ' s XXXX Till I died too? 
Sorry to say, I have been paying his life insurance all this time, did not know I paid for nothing because he was over XXXX years old. 
Now for this I did nothing, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting incorrectly a balance due of {$8100.00} on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) On XX/XX/2019 I went to the XXXX XXXX precinct and filed an identity theft report. While checking my credit report, I discovered that an unknown individual opened several accounts and did about 30 inquiries with my personal information. I have moved several times and at one point I lost my drivers license and social security card. I did not open this account nor did I give anyone authorization to use my personal information to open and account. I have attached a copy of the police report prepared on XX/XX/2019 along with a copy of the signature page. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to resolve this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Status : Open Date opened : XX/XX/XXXX Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX late payments ( XXXX ) According to the consumer law 15 U.S. Code 1681a - Definitions ; rules of construction I hope this letter finds you well. I am writing to request information regarding 15 U.S. Code 1681a, which pertains to definitions and rules of construction within the United States Code.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient solutions has never once actually sent me any loan deferrment paperwork and without any notice or further contact to actually send what they said they would and even email the paperwork for deferrment on payments, they have reported me to credit bureau for nonpayment Not once not twice but 4 times every month the last four months and have ruined my credit score. They have shown no support or follow through with anything they said they would either via paperwork mailed or sent via email and every month they have the audacity to keep reporting me for nonpayment of a wrong amount and interest on top of it all to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and stolen identity. I contacted the creditors and the credit bureaus over a year ago to make them aware that someone is using my identity. The credit bureaus have failed to investigate and/or address the issues that I am having. They are sending out generic replies that they've investigated the fraud and have updated my file and have decided to leave the damaging information on my credit.
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 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1861 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely researched. Regardless of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and impeding my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused huge difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening straightaway. I mercifully demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue expeditiously would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after discovering a collection account on my credit report that I do not recognize and have no knowledge of. This account has been inaccurately listed under my name, and my efforts to resolve this issue with the credit bureau have not resulted in any effective action. Although I have provided documentation requesting verification and removal of this erroneous account, the credit bureau continues to report it as valid without offering substantial proof. This has caused unnecessary damage to my credit score and financial well-being, and the lack of assistance from the credit bureau is both frustrating and unfair. 

XXXX {$180.00} -Not mine
Product: Credit reporting or other personal consumer reports

I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " YOUR EMAIL HERE ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint with you about a bankruptcy and how it was being wrongfully reported by the credit bureaus. In response, you sent a letter to me dated XX/XX/22 saying that the information I submitted didn't seem to be me?? I'm confused as to what that means? I happen to have been learning about my rights as a consumer and know about the FCRA and certain laws in it that pertain to my bankruptcy being reported without a proper investigation having been done by any of the 3 bureaus. So I'd like to submit another complaint to follow up about the issue, all 3 bureaus claim to have verified the account as accurate, but clearly have not done or been able to provide a method of verification. The court NEVER reported it to them, so who did they verify it with as having accurate information then?? If you could please treat this new complaint as a serious matter, I and my family would greatly appreciate it as we are trying to put the pieces back together from the last few years. Under 15USC 1681 ( 5 ) ( A ) States If 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 agency shall - ( i ) promptly delete that item of the information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. The bureaus have also violated my rights under 15USC 1681 602 A and 15 USC 1681 604A Sec 2 that state I have the right to privacy and that an account can not be reported without my consent or instructions. Thank you for your help, we greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX {$7400.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$110000.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX  XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal information.
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

looking into my credit report I am interested in processing disputes on all inaccurate information on my credit report with transunion. none of the information listed is correct please remove all data to help clear my file asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as wildland that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive response, I will have no choice but to exercise my right and pursue legal XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX UPSTART XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Product: Debt collection

I have outstanding medical debts that violate the hippa law. I have reached out to these companies on numerous occasions trying to get this debt resolved.Nothing is being done with this matter. I have sent out 609 letters violating rights and etc. I have tried to reach out to the main company as well as the bureaus.
Product: Credit card or prepaid card

This is regarding my Target XXXX XXXX, which I have held for several years. I use this card only occasionally. I do not owe them any money, and I have never been late with a payment. My credit score last fall was XXXX points. However, Target arbitrarily decided to lower my credit limit in XXXX, 2021, for no reason. They did not inform me of this, and I want to point out that this was right before the holiday shopping season. I noticed the considerable drop in my credit score, and obtained my credit report. I was stunned to discover that Target had taken this action. It felt like this company was punishing me for some reason, and wanted to catch me overcharging this account, since they failed to inform me that they lowered my credit limit. My exemplary credit score was harmed by Target 's action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint. I am not going away. 

XXXXXXXX XXXX is incorrectly reporting two late payments in XXXX and XXXX of 2021 and an incorrect date of my account 's closure upon entering a XXXX XXXX XXXX. I have filed multiple disputes with evidence to the credit bureaus, but nothing has changed on my report, and these erroneous late payments which appeared more than a year after the months in question had passed are harming my score and were maliciously added to my financial profile. I consider this to be defamatory. XXXXXXXX XXXX  has also declined to grant a " good will '' adjustment. While that is certainly their right, and although they are under no obligation to honor such a request, extending a morsel of mercy is within their power.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports