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

I was reviewing my credit report and noticed some accounts and inquiries that I did not authorize. I would like the following information removed. DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF EDXXXX  Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to solve my credit problems with the credit bureaus, because they are reporting inaccurate information that is affecting my credit score. I have Inquiries that I didn't authorized, and negative accounts that should not be there.
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 XXXX 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 XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax 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 XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX A XX/XX/XXXX Equifax XXXX XX/XX/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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the XXXX XXXX requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
NOTE : Please don't respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation.

It is my right that under the FRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide XXXX XXXX COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of Maryland. Additionally, If you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 
Please provide me with a copy of an updated and corrected credit report showing these items DELETED. I demand the following accounts be properly XXXX XXXX XXXX  verified WITH EVIDENCE or removed immediately : ACCOUNT NAME XXXX - {$1600.00} ACCOUNT NAME : XXXX Account Number : XXXX Bank {$1900.00}
Product: Credit reporting or other personal consumer reports

This is my refiling complaint for APPLE CARD/GS BANK USA XXXX I believe that inaccurate information about me is being reported. In my credit report from XX/XX/2024, I still see these erroneous information that I didn't know about. I discovered account with incorrect information, such as payment history, status, balances, and the date of the last activity, as well as late payments that had never occurred. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection, and a customer revealing organization can't outfit a record without my instructions. I have attached the FTC report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

Urgent Demand for Immediate Correction of Inaccurate Reporting Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

The entry in question is completely inaccurate, and I believe its been added to my report either by mistake or through fraudulent activity. This has already started to cause unnecessary damage to my credit and, frankly, is putting me in a stressful situation.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXX5 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.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report today again, I saw some inaccurate information in my credit report. I wrote several letters already requesting you remove these inaccurate information from my credit report. I dont know why you are ignoring my request. Please DELETE them ASAP!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I emailed XXXX XXXX XXXX XXXXXXXX XXXX about the account and I got a call from one of the representatives ( XXXX id # XXXX ) who in the department and they said they dont have the account information in there system. I asked for a letter over the phone and they said I couldnt get a letter and to dispute it with the credit bureau. I tried to but they keep updating it with inaccurate information and I want the account deleted.
Product: Credit reporting or other personal consumer reports

Under the doctrine of XXXX  by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 I mailed in a request for investigation to EQUIFAX regarding the collection account XXXX XXXX account XXXX.My dispute centered on that I had emergency XXXX   coverage for the service provided by the original creditor.The response is as attached.The fraudster creditor with EQUIFAX HELP have attempted to steal more and damage a low income person.XXXX XXXX has changed the account number, upped their fee, changed a few dates and created a second account from the first one, leaving both wrongfully appearing on the credit report while ignoring my dispute ... it has only been ten days today since the dispute was mailed to Equifax, so it appears no research was done only compounding the wrongful damages to me.
Product: Checking or savings account

My laptop showed me a couple of pop up screens that said someone was trying to steal my identity. I couldn't close them out so I called the toll free number on the screen to see if I could handle it. 
I was on the phone for hours trying to get this resolved. I came home and we were missing upwards of {$16000.00}. My wife was devastated. I'm not sure what to do now but my wife said to talk to you guys to see if anything can be done. 
The money is gone and she said we will not see it ever again. 
Please let me know if you can help. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I contacted my chase business credit card to ask how my promotion worked. Before getting a representative I had to verify my name, address, and the security code on the back of my card. Then the representative came on I had the verify my account further by providing my name, she wanted to know if I had my other chase credit cards on me and when i told her I did not have them on me she wanted to text me a code for security purposes which I told her was fine. She asked to verify my phone number and i told her that she can just send it to the number on file. She wanted me to say the number and I explained that I did not want to say my number out loud because I was in a public place. She explained that without being able to verify me she could not access my account. I told her that you can verify me by texting the verification, I do not want to provide my number verbally. Also when you text me the number and I provide you with a response of what you are texting me doesn't that provide you with what you need. She said we couldn't move forward without me providing my number. She told me that she would have to transfer me to fraud. Seeing that my time was completely being wasted I had an exchange with the representative and asked for a supervisor to assist me further. The representative continued going back and forth with me and I had to ask her again for a supervisor to assist me before she would comply. I believe the supervisor who joined the call after a hold was XXXX. She verified me further by asking for the name of business which I provided. She got on the phone and pretended like she did not know why she was joining the call. I explained that it feels like I have to jump over hurdles when it comes to verifying I am me and getting a question answered. She responded as if she did not understand what i was talking about. She placed me on hold in order to review the notes on my account and never came back. She placed me in the queue to speak to fraud. What a waste of my time. Now as a result I will not be using my chase card anymore until this matter is resolved and if it is not resolved in a reasonable timeframe ( 30 days ) i will move to close my accounts. I don't mind being verified, but this is more than I wish to deal with. Being a Chase credit card holder for a long time, I have never went through this much verification to get simple information on my account. I am currently not able to pay my business account online so having this card requires me to speak to someone at least one a month if i have a monthly bill to pay. It feels like I have taken steps backward when I put this card in my wallet. I am not interested in being frustrated when dealing with Chase. I am happy to find my own remedy if you are not able or willing to. With all of the things I verified on this call not to get my one question addressed is a joke.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX An unlawful account was created on XXXX XXXX and added to my credit report XXXX XXXX XXXX  this account was illegally added to my Credit Report I am writing to dispute the inclusion of XXXX XXXX Delinquent XXXX XXXX  Payments, Judgements, Liens Fines on my credit report. According to the recent notice from your agency, federal court rulings have determined that Delinquent XXXX XXXX Payments, Judgements, Liens Fines do not arise from a credit transaction and should not be reported on credit reports. 
I request that you promptly review my credit report and remove FAMILY SUPPORT DIVISION XXXX. I have enclosed supporting documents supporting the inaccuracy of these entries. 
Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of the DISPUTED ITEM from my credit report. 
Thank you for your immediate attention to this matter. I expect a swift resolution. 

Sincerely, XXXX  XXXX XXXX : Of the XXXX XXXX
Product: Credit card

I was Capital Customer with XXXX credit cards. XXXX I have now paid off. The XXXX  card, XXXX has a balance just over XXXX. I have made all payments and on time for the most part. I believe XXXX a day late each. My account was hacked and purchases were made in Arizona. I live and work in Texas. Fraudster got past their their security almpost a dozen times. Calling company and making changes so they could make purchase. Not once was I called before any changes were made to my account! I have had the same phone number for XXXX years. Several times the account was hacked before I received new card! Once while I was on phone with their fraud department! They paid the purchases but all of the safety measures they took FAILED! It happened even after account was closed. I have bonus points from paid off account and current account but I cant apply them because of status of my account. This would go toward balance of XXXX. Now when I pay by phone they refuse to give me a confirmation number. The rep gave me her assurance it was paid but Capital Ones assurance is worthless to me at this point. I want my bonus points applied, I earned them. I want to be able to make payments on phone without having to go through fraud and explain my situation to people who dont seem to care. And I want someone from Capital One to call me up and sincerely apologize to me. I was a very good customer and they dropped the ball.
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies, especially Experian responded by email on XX/XX/2024, that they still investigating and waiting for the furnisher. Clearly they are not following the law I have clearly stated in the letters I sent to them, stating that late payments are not included and should not be included in the consumer reports, according to FCRA 15 use 1681a 2Ai. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include- ( i ) report containing information solely as to TRANSACTIONS or experiences between the consumer and the person making the report. 

Also 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. 

I just sent the consumer reporting agencies and XXXX XXXX another letter that will be attached here.
Product: Credit reporting or other personal consumer reports

I was enrolled in the hardship program with XXXX XXXX credit card beginning in XXXX of XXXX and following months. The financial program does not report late payments while in program however the credit bureau still is reporting late. I confirmed over the phone with the company that I was in fact enrolled during this time. I was also enrolled in this same program in XXXX of XXXX and am facing the same issue with late reporting while in program. The credit report itself shows I am in the financial hardship program so they know for a fact that I was enrolled and decided to erroneously report late payments. They also reported late payment in XXXX of XXXX which shows payed before due date and posted.
Product: Debt collection

I checked my credit reports via XXXX XXXX and it shows two collection accounts owed by Resurgent Capital Services of XXXX South Carolina. 
I never received notice or the right to dispute by these new owners. 
The former owner was LVNV.
Product: Credit card or prepaid card

Best Buy citi bank credit card is charging an unexpected high rate intrest charge for the month of XXXX. I've requested a signed contract with multiple attempts and they have failed to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Product: Checking or savings account

I have submitted a complaint to the NY XXXX, after which I received a call from a certain XXXX XXXX, she said she would call afterwards which she didn't, then I tried to call her XXXX times and couldn't reach her. 

The biggest problem is that my account was closed and my debit card is not working.
Product: Debt collection

Fair collection and XXXX XXXXXXXX XX/XX/year> I want this removed off my name