23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that the accounts on my credit report are incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two major credit cards, XXXX XXXX and XXXX XXXX, in excellent standings and XXXX credit reporting is not reporting the credit on my report. I contacted one of the companies and they stated in a complaint resolution that they report to all three credit reporting companies I filed a complaint with XXXX, and they sent me an email stating that they had a resolution, after trying multipal times I was not allowed to sign in to check the status of the resolution. I was sent four password changes and none of them worked, this is keeping my credit score far below what it should be, they are stating that I have no credit at all. 
This company is also reporting a tax lien on my report that has been disputed and resolved in my favor which is doing major damage as well. 
my hands are tied and I can not move forward with projects and business ventures please help.
Product: Credit reporting

Equifax is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. I submitted proof to Equifax in the form of copies of XXXX Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus. Complaint specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Equifax , I certified that XXXX had not responded to me within the required 30 days. Equifax then used the same false reporting from XXXX to " verify '' the false information. Equifax failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Equifax on the matter, the Equifax staff member confirmed that Equifax is using an " update '' from XXXX as verification. Per the Equifax phone staff member : the " update '' from XXXX does not contain any documentary evidence that Equifax has or can provide to me, but they are using that rather than my submission of documented evidence to them.
Product: Credit reporting or other personal consumer reports

I requested to be opted out for third party reporting agencies and credit bureaus. I want to be opted out and these companies to stop reporting information to the credit bureaus as I requested.
Product: Credit reporting or other personal consumer reports

I traveled down to XXXX since XXXX to take care of my sick father who was on hospice. i kept all my belongings with a friend and when i came back XX/XX/XXXX, i discovered that there have been a couple of fraudulent reporting on my consumer credit report. i made attempts to speak with the companies involved and to speak with the consumer credit reporting agencies that the reports should be deleted and i was advised this morning by a representative of XXXX to get in touch with FTC.GOV that transferred me here. I have also sent to XXXX, Equifax and XXXX copies of my proof of address which is my government issued driver 's license and Social Security Card with Bank statement to prove that the address the companies were reporting is fraudulent and i have no dealing with the address. The companies reporting fraudulent report on my credit report are as follows with the account numbers being reported and all of them use this fraudulent address. A fraud alert has now been placed on my consumer credit report as advised by the consumer credit reporting agencies. 
Below are the list of the fraudulent accounts and the address being used by the companies reporting these fraudulent accounts Incorrect Account being reported ; XXXX XXXX XXXX XXXXXXXX, GA XXXX My Address ; XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all XXXX XXXX reporting agencies regarding section 605B of the Fair Credt reporting Act and sent police report, FTC Identity theft report, utility bill, ID and Social, I am requesting XXXX XXXX XXXX XXXX - {$19000.00}, XXXX bank - {$10000.00}, XXXX- {$530.00}, XXXX XXXX XXXX {$1200.00}, XXXX/XXXX XXXX - {$800.00}, XXXXXXXX {$5900.00} and XXXXl XXXX XXXX accounts not sure the amounts to be blocked from my credit report as my identity and identification purse was previously stolen, ive notified FTC, Social security administration, All XXXX credit reporting agencies XXXX and now the CFPB i need this resolved immediately off my credit please
Product: Credit reporting or other personal consumer reports

I formally dispute the manner in which my personal information was obtained by this collection agency. I have reason to believe that my personal information was shared unlawfully by the original creditor without my consent. 

Under applicable consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), my personal and financial information is protected against unauthorized disclosure. I did not provide consent to share my personal data with this collection company, nor was I properly notified of any such transfer
Product: Debt collection

Collection Agency Hayt, Hayt & Landau representing themselves as LAW OFFICES representing XXXX XXXX XXXX Creditor Claims they could not locate me. I have lived here for 10 years. This bill was paid off in XX/XX/XXXX. The company had previously changed names from XXXX to XXXX. I have bank statements showing final payment of {$200.00} in XX/XX/XXXX. No other bills were received after that date because the account was closed at my request in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Credit Card Balance {$250.00} XXXX XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Commercial Installment Loan Balance {$7100.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Collection Agency Attorney Balance {$2100.00} XXXX XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Factoring Company Account Balance {$950.00} have violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma said i was approved on credit cards that I applied for and was denied causing my credit score to drop.
Product: Credit reporting or other personal consumer reports

I have had the same balance and same last payment date for the last year under my XXXX  report. But states I'm 100 % payments on time.
Product: Credit reporting or other personal consumer reports

By Federal Law 15 USC 1681 I am entitled to privacy of my personal credit information. My information was compromised/breach within ALL 3 credit bureaus. My account was hacked and my information was released to strangers. Accounts have been opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n 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 1681 Section 604 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.
Product: Credit reporting or other personal consumer reports

I admittedly accrued a large amount of credit card debt while I was in XXXX XXXX I took out a loan with this creditor to consolidate this credit card debt in XX/XX/XXXX. With the financial strain of XXXX followed by some medical issues that resulted in medical debt XXXX, I was struggling to get on top of things and partnered with a XXXX XXXXt law firm in XXXX, XXXX XXXX XXXX XXXX XXXX. I enrolled XXXX debt accounts at that time. XXXX of the accounts were resolved within a year. Goldman Sachs ( XXXX ) refused to negotiate with the firm before serving me with a legal notice at my home earlier this year. There was a settlement payment schedule approved XX/XX/XXXX- XX/XX/XXXX. I have made every payment on time through an escrow account since XXXX of XXXX ( $ XXXX ). I disputed through XXXX some addresses and phone numbers I did not recognize. XXXX took the opportunity to update my account at that time to XXXX XXXX XXXX collections. My XXXX XXXX took a huge dive at that time. My credit report indicates this account was XXXX XXXX XXXX charge off from XX/XX/XXXX to XX/XX/XXXX. To arbitrarily update my account to XXXX XXXX '' as of XX/XX/XXXX seems retaliatory and has greatly impacted my creditworthiness.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Inaccurate Employment History from Credit Report Dear Sir/Madam , I am writing to formally request the removal of inaccurate employment history information from my consumer credit report. The inclusion of this incorrect information is a violation of your obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e - Compliance Procedures, and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
The incorrect employment history currently listed is : Incorrect Employment Information : o XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Additionally, according to 15 U.S. Code 1681i ( a ), consumer reporting agencies are required to investigate and correct any inaccuracies upon receiving notification of a dispute. 
I request that this inaccurate employment information be removed from my credit report immediately and that the necessary corrections are made to reflect only accurate and verifiable details. Please confirm in writing once the correction has been completed. 
Thank you for your prompt attention to this matter. I trust that you will address this issue in compliance with the FCRA. 

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

Subject : Dispute of Late Payment Reporting I am writing to formally dispute inaccurate late payment information on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ) and related U.S. codes. .I have recently reviewed my credit report and found the following accounts reported as being late, which I am challenging : XXXX XXXX  Account # XXXX Status : Past Due 60 DaysBalance : {$8300.00} XXXXAccount # : XXXX Status : Current, Was Past Due 30 Days XXXX XXXX XXXX XXXXAccount # : XXXX Status : Paid Satisfactorily I am disputing the accuracy of the late payment statuses reported on these accounts. Under 15 U.S. Code 1681 ( 2 ) ( xi ), I have the right to ensure that my credit report is accurate and complete. Additionally, under 15 U.S. Code 1666 ( b ) and 12 CFR 1026.13, creditors are required to provide accurate information regarding payment statuses ' I request that you conduct a thorough investigation into these late payment reports and provide me with documentation supporting the accuracy of the reported information. If you find that the information is indeed inaccurate, I expect it to be removed or corrected promptly. Please send me a written confirmation of your findings within the 30 days according to the Federal Trade Commission and other relevant consumer protection agencies. Thank you for your immediate attention to this matter. I trust that you will act swiftly to resolve this issue.,
Product: Credit reporting or other personal consumer reports

there are illegal information and transactions posted on my credit report that I did not authorize this and due to the data breach i have suffered serious injury. I demand that all transactional information to be deleted and removed from their systems. my name and address to be removed, employment be removed and spouse name. that is private information and a violation of my private rights ; closed accounts need to be removed. These agencies MUST comply due to the violation of the Gramm-Leach-Bliley Act ( GLBA ). The CFPB stated this in the Consumer Financial Protection Circular XXXX.
Product: Debt collection

I am writing to formally lodge a complaint regarding harassment by a collection agency, which has been pursuing me for a debt that is not mine. Despite my attempts to resolve the situation directly with the collection agency, they continue to contact me and attempt to collect the alleged debt, which I do not owe. I have never incurred this debt, nor do I have any record of this obligation. I have requested documentation to verify the debt, but the agency has failed to provide any valid evidence linking me to this account. 
Despite my efforts to dispute the debt and request that the collection activities cease, the agency continues to harass me through phone calls and letters causing significant stress and frustration. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment and requires agencies to cease contact upon dispute of the debt. I have informed the agency in writing that I do not owe the debt and have requested validation as per my rights under the FDCPA, but they have not complied with my request. I kindly request the CFPB to investigate this matter and take the appropriate action to ensure that this third-party collection agency ceases all harassment. I am also requesting that this false debt be removed from any reports or records associated with my name. I trust that the CFPB will assist me in resolving this matter and prevent further unlawful actions by this collection agency. 

Thank you for your prompt attention to this issue. 

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

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company sent me to collections debt ... this is not mine, I don't even know who they are... they have my info and my SSN, I don't even know how, I have all my payments up to date, I have not debt with those peoples.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have since then reported these accounts as made my identity theft, along with a identity theft report because I have no knowledge of the accounts. You were made aware of this before and after XX/XX/XXXX with an identity report attached about the following accounts. Consumer Law states that this must be removed in 4 days of notice of identity theft. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - XXXX XXXX XXXX XXXX  Account Number : XXXX SECTION 605 A 15 U.S. CODE 1681 C-1 and SECTION 605 B 15 U.S. CODE 1681 C-2 support my claim against identity theft while stating : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} PER violation. I want XXXX per violation of the removal of the accounts. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

If you do not immediately remove this information, I will file a formal complaint with the FTC.
Product: Credit card

Each and every month of this year submitted Accepted for value bill coupon payments. FNB discriminates and restricts credit access and reduces credit capability. I had to submit a XXXX  complaint to even secure the card for points and travel. This organization is a racist organization. Discriminates against Hispanic Latinos.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 furish an 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
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. 

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 or other personal consumer reports

I've been trying to pay my XXXX account for months, but you can only use their app to do it, and it will only allow you to pay from the bank account that's tied to the app. I had to update the bank account that was on file since I moved from that one to another. Getting in touch with their support staff was the only way to accomplish it. 

I approached their support team about closing my account in XX/XX/year> and I followed up with them relatively often for months, but I never received an answer. I ultimately had two late payments recorded on my credit as a result of this. 

After contacting their support staff, I was able to pay off the account and get it closed ; but, as I had previously been a few days late, they won't waive the late fees. 

For something that wasn't even my fault, I now have a XXXX day late payment history on my credit. I attempted to contact them again, but they have resumed their lack of response. Their XXXX account indicates that they do this frequently. I have never made a late payment ever and I have only had an issue with this company in my credit journey. Their team has horribly customer service and any review I find will also say the same. I have screenshots of me in contact with their support team. I also have plenty of tickets with confirmation numbers created where I received no response about why a late payment was put on my credit report.
Product: Credit reporting or other personal consumer reports

I did not give permission or authorization to open my credit report to XXXX  or one main.Ive filed identity theft reports and frozen my XXXX account to prevent fraudulent activities.Ive added black web sweep for extra security..I disputed with XXXX credit breua and let them know I didnt recognize companies or give anyone permission or authorization to use my information and I asked to be removed immediately because it hurting my credit score negatively I also noticed a address on my file that I dont recognize XXXX XXXX XXXX XXXX, OH XXXX witch I disputed with XXXX also that I want removed immediately also
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am an authorized user on the XXXX CARD partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union failed to investigate my dispute and instead sent me XXXX copy and paste sensless letters. The purpose of these senseless letters is to cause a delay in postponement. Trans Union has been sued for this behavior. They have 30 days to investigate my dispute which they failed to do so Im demanding that they removed from my credit report for disputed items.

Under 15 USC 1681 the law states the Trans Union is supposed to conduct these disputes with fairness and impartiality but instead they avoided their job. This is very stressful for the consumer and in my case XXXX XXXX so its excessively stressful
Product: Vehicle loan or lease

I have other insurance that was reimbursed toward my payments some how they took it plus vehicle was total loss I have gap plus my insurance was covered it they are over charged me while they getting their money and sent to collections
Product: Credit reporting

personal names are not mine. I am XXXX XXXX XXXX. No other names should be listed.
Product: Debt collection

Resurgent Receivables LLC, has reopen a charge off close account ( 15 US code 1601 ). 
Account was open on XX/XX/XXXX ( XXXX ), which has been removed from my credit report. Resurgent Receivables LLC has reopen on XXXX, XXXX and reported on my credit again in XXXX to current. The account has already been closed and should not be open currently. 

{$440.00} total LVNV Funding Collections Resurgent Receivables LLC XXXX XXXX XXXX XXXX XXXX XXXX