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

I have tried multiple times to fix an inaccurate account on my report with experian. XXXX credit shows an installment loan for $ XXXX which I never agreed to- did not buy anything for that amount. I have asked several times for Experian and XXXX to provide the contract showing my signature engaging in a contractual agreement for any product or service in the amount shown on my report. Its been over a year and they have not produced any such paperwork just keep saying its verified. I am requesting they either provide the contract showing my signature or delete the account from my report per the fair credit reporting act.
Product: Credit card or prepaid card

XXXX 2016 I was offered a bank credit card by a bank representative at my local bank.! He explained to me that the credit card was in the amount of {$3500.00} with a 15 month interest free plan. I used the card initially to pay off a few small accounts and also to make a few personal purchases. I was later reprimanded by someone from the credit company and told that, '' I had no right to make purchases on the card ( my card ). I was further asked who authorized me to do so ''. From that point I was charged 'Interest ' on my credit card and have been paying even to this date! Although, I do not feel that I have been treated fairly, I continue to pay my bill. Please assist me with a workable and fair solution to my delemma. Thank you for your timely consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

Here are my tracking numbers XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? 

I also sent letters to XXXX, XXXX, and TransUnion regarding the same 2 accounts on XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

A woman called and asked if XXXX XXXX was available. I told her yes and she said she was calling regarding a " XXXX XXXX that I defaulted on in 2007. '' I asked her to send it to me in writing and she stated she would not, this was a last attempt before the matter was sent to litigation. I then asked for the company information which she deflected twice and finally provided. I asked her if I was being sued and she said yes, you will be sued if you do not resolve this matter immediately. I told her any outstanding debts from my past have been paid in full. She then told me I needed to fax proof that I had resolved the debt. I asked why I would be required to send physical proof when she was unwilling to do the same. She responded that she was n't being sued. I told her I was n't going to send anything until they sent me proof first and when I tried to explain that I have a XXXX credit score she kept interrupting me. I ultimately hung up the phone.
Product: Debt collection

I information was in a data breach and in return I have thing in my credit that wasnt authorized and need them removed
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and removed if they can not be properly verified. 

The accounts in question are : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$220.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Opened : XXXX XXXX Balance : {$10000.00} I am disputing these accounts due to inaccuracies and/or lack of proper verification. According to FCRA, 15 U.S.C. 1681i, consumer reporting agencies must conduct a reasonable investigation and remove any information that can not be verified as accurate and complete. 

I request that you : Provide documentation proving that these accounts belong to me- as I never signed any contracts with any of the creditors listed with a wet signature, nor was I provided ID verification of agreement with them.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please find the attached letter, XXXX label and fraud alert that I put on my account once I learned that an account was open with XXXX. I have contacted them over and over to be told this account would not negatively impact me or my credit. I was told there are notes on my account and to disregard any letters. I was told they could not send me any confirmation due to me advising that this account was not mine. I need this cleared from my account immediately I am attempting to get a house loan and this is impacting me.
Product: Checking or savings account

I am a XXXX XXXX XXXX  in the state of Virginia. My business email was used to open an account with Chime WITHOUT my authorization. I found out due to receiving multiple emails from Chime. I called to remove the email from their system completely. They notified me that my email had been removed but I am not 100 % confident in that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my mortgage was sold from XXXX XXXX to XXXX XXXX. XXXX XXXX has not had my account since XX/XX/XXXX. In XX/XX/XXXX, they reported the account was 120 days delinquent in XX/XX/XXXX lowering my credit score. This is an error. I have contacted XXXX but they have not come up with a resolve as of yet.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Student loan

I had about 12 late payments to report on my credit report because of an inaccuracy on their end. My student loans are deferred until XX/XX/XXXX so I am not sure why XXXX accounts state that there was a 90 day late payment back in XX/XX/XXXX. This has impacted my credit report in a tremendous way and I do not feel that it is right. I have tried contacting this business and was not able to speak with a representative.
Product: Debt collection

National Credit Systems reported an alleged debt to my credit report. The collection account has appeared on my credit report without me ever been notified. It has been on my credit report for over 3 months. 

It caused me monetary damages and ruined my credit score since National Credit Systems reported a " collection account '' to the Credit Bureaus rather than reached out to talk or try to collect a debt first. They never sent any written information for over 3 months the account was on my credit report. 


I disputed the account with the Credit Bureau early in XXXX 2016. I disputed it with the National Credit Systems shortly thereafter. I called them to discuss just today XXXX/XXXX/2016. No resolutions have been reached as of yet. My credit score continues to be ruined. 

I need my credit report cleared and I need to learn about protections under the law that I can enjoy as related to Fair Credit Reporting Act. 

It is not right to just have any random person decide to place any alleged debt to another person 's credit report. This alleged debt appeared as a debt on my credit report with no prior checks, controls, verifications, or filtering by neither the collection agency or the Credit Bureaus. 

It is the same as anybody- your neighbor, ex spouse, ex employee ( XXXX ) would just make up a list of debts against you ( the reader ) and submit it to the Collection Agency. In turn Collection agency reports it to the Credit Bureau. Our XXXX does not attempt to resolve it with you, does not mail you anything, does not take you to courts, but resorts to malice and intimidation that hurts financially you personally and other businesses. 

I say the damage goes beyond my personal wallet as it also hurts other businesses and banks who decide not to do business with me and ultimately any of us in the same situation because of unjustly low scores. 

Responsible parties must be accountable for wrongdoing and the entry needs to be removed from my credit report. I need your assistance in this process.
Product: Credit card

There were charges on my account that i questioned. a Subscription to a magazine that I never read which was XXXX then there was another charge of approximately {$30.00} that no one at Citibank could answer. It took numerous phone calls for someone to do a XXXX search to find out it was some kind of protection service that I never requested that they just put on my card. Said I was not going to pay for something that I never ordered or requested. Filed a dispute, was told by several people that they can only waive 1 late fee a year, I said I am not paying for something that i never ordered and they said that lates fees would continue to accrue until it was resolved. Told Citibank that was ridiculous that no other credit card that I had a dispute with allowed late fees to accrue. Citibank has no closed my account, I now have late fees over over {$100.00}, they sent me a bill for {$110.00}, I checked my account on line and I can no longer access it since they closed my account. What this company has done is appalling. This is all their fault and I am paying the price for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. Im sending in a new dispute as of XXXX and I have sent in previous documents asking them to provide all verifiable proof they verified this debt to be put on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. ThIS is the item I demanding to be deleted immediately : Validate Account XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

BRCLYSBANKDE has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft.

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, XXXX and BRCLYSBANKDE " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft. 

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$4000.00} XXXX  XXXX Balance : {$9100.00}
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report, and I contacted TransUnion in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe any money to this business and I am unaware of said collection. This debt collector is in violation of 15 U.S. Code 1681 b. Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report anything on my consumer report no consent is identity theft. Please remove this inaccurate information from my credit report immediately.
Product: Debt collection

XXXX XXXX  XXXX agency has harassed me and ruin my reputation. XXXX XXXX  XXXX has also admitted to my claims. I have sent them a fair resolution.
Product: Checking or savings account

USAA placed a {$200.00} hold on a recurring alimony check ( nearly 2 years ) drawn on account with their own institution! Not only that but they know the funds inadvertently came from a XXXX XXXX payroll check as my ex has banked with them for over 20 years!!!
Product: Debt collection

On XX/XX/XXXX, I sent a payment to OneMain Financial to pay off a loan in which the tender of payment was refused. I recently seen in UCC 3-603 that if a tender of payment is refused, there has to be discharge of the debt. On XX/XX/XXXX, I sent OneMain Financial a conditional acceptance notice where I asked for specific information and for them to validate the debt within 10 days after receipt of the notice. It has since been 35 days and I have not received any information I requested, and this makes this debt invalid due to them not responding to my offer of a point-by-point basis via sworn affidavit signed under the penalty of perjury.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance XXXX {$4000.00}.
Product: Credit card or prepaid card

Capital OneCredit card. I pay statement amount in full every month with an agent over the phone as a deduction from my checking account.. My statement amount this month was {$690.00}. Capital One put it through as a payment on the website and deducted {$1300.00}. I have been on the phone with Capital One and XXXX XXXX  XXXX ( my bank ) for over one hour. Nothing was resolved. XXXX XXXX XXXXXXXX proposed a stop payment but there would have been a {$30.00} fee which I feel Capital One should pay. They did not offer payment of this fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion have violate 15 usc 1681n 15 USC 1681b permissible purpose ( a ) 15 USC 1691 ( d ) ( a ) ( XXXX ) 15 USC 1681e 15 USC 6803 Violating my privacy reporting to financial institutions without my consent sharing my personal information 15 USC 1681a- ( B ) 15 USC 1681 Congressinal findings statement of purpose in regards to my current credit cards transunion had XXXX financial institutions decrease my credit limits which is legal my signed signature was an extension from my open end credit plan which caused me to lose thousand of dollars during a pandemic..
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS HAVE BEEN SUBMITTED IN MY NAME & MY IDENTITY HAS BEEN USED WITHOUT MY CONSENT TO FRAUDULETLY OBTAIN GOODS AND SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT.
Product: Debt collection

This debt was a Jewelry store account in which I had insurance that paid the account if I became unemployed. I was told by the debtor several time that the debt would be removed. I tried several times to remove this debt with the debtor and the credit reporting agencies. This account is over seven years old and should have been removed. This debt is causing a negative impact on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed in a letter disputing the incorrect information on my credit report in regards to Ally charge off account in the amount of {$3900.00}. I have not received a response within the 30 days from Equifax in regards to this matter despite me mailing off my letter on XX/XX/21
Product: Credit card

I was charged {$35.00} for return check that was my first time on XX/XX/year> and I paid them back still after being customer for seven years would not reverse service charge