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

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX, AR XXXX ; XXXX  XXXX Balance Owed : {$600.00} ; XXXX  XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Transunion XXXX / XXXX I'm filing complaint due to the fact that None of you are doing your XXXX Jobs correctly XX/XX/XXXXXXXX XXXX Account acc XXXX each one of you are in full Violation of the FCRA This account has been and charged off But each one of you are reporting a past due of {$5400.00} how is this possible??? This account has to be deleted on charged off account their should be no past due amounts delete this account and send me a updated credit reporting once this item has been deleted
Product: Credit reporting or other personal consumer reports

Delete these accounts : fair resolution 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. 

XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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

In accordance with the fair credit reporting act XXXX XXXX # XXXX, Has violated my right. 
15 U.S.C 1681Section 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 instruction.
Product: Credit reporting or other personal consumer reports

I have reached out to the following account below and talked to them about the issue with my account as reported by the XXXX XXXX XXXX. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the XXXX XXXX XXXX  came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX, Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported medical bills on my credit report which is a violation of my HIPPA rights. Reported to all 3 credit bureaus, Experian, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my written credit report from XXXX. On XX/XX/21 I sent them a Letter stating that under the fair credit reporting act, section 609 I was requesting further information on 8 negative entries including copies of the original contract or service agreement. They are now sending me dispute updates via email simply saying that the creditor had verified the information as accurate and they are refusing to supply me with these copies of the original contract or service agreement for any on the items and have not removed them from my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> has violated my rights.5 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX which is the same company as XXXX which was paid off in XXXX of XXXX have lost my patience with this company placing negative information on my Experian account and XXXX is allowing it.Every other week they are sending fraudulent information that I am delinquent on an account that was paid off on XXXX XXXX  accepted a check from the title company on both loans they had opened in my name and one of the loans was a Forgiven Loan.Why are you all allowing both of these entities to place fraudulent information on my credit reports? I provided proof to you all the loans was paid in full. The title company has provided information, so my question is do I need to hire an attorney and file a lawsuit against someone in order to get this negative information off my credit report? Its sad when innocent consumers are battling against these predatory companies.Everytime I apply for a place to live that false information is hindering my ability to move forward with my life.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. After reviewing my credit report from XXXX, Equifax, and XXXX, I noticed the following inquiries that I do not recognize and did not authorize : [ List of Inquiries ( include company names, dates of inquiry, etc. ) ] I request that these inquiries be removed from my credit reports as they were not authorized by me. To resolve this matter, I would appreciate it if you could investigate these inquiries and take the necessary steps to correct my reports with the credit reporting agencies.

Attached are copies of my credit reports showing the disputed inquiries, along with identification documents to verify my identity. Please let me know if any additional information is required to process my request.

Thank you for your prompt attention to this matter. I look forward to your response. 

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

I am writing to formally dispute and request the removal of a charge-off entry from my credit report. The charge-off in question is negatively impacting my credit score and financial standing, and I believe its presence on my report is unwarranted. 

Upon reviewing my credit report, I discovered that some of the accounts has reported as charge-off status. While I acknowledge that there was a delinquency on this account in the past, I would like to bring to your attention that I have since resolved this matter and fulfilled my obligations to the creditor. 

I want to emphasize that the charge-off status inaccurately reflects my current creditworthiness and financial responsibility. Since the delinquency, as a result, I firmly believe that the charge-off should be removed from my credit report to accurately reflect my credit history. 

I kindly request that you conduct a thorough investigation into this matter and take the necessary steps to remove the charge-off from my credit report. Furthermore, I urge you to ensure that my credit report accurately reflects my current financial status in accordance with the Fair Credit Reporting Act. 

I expect a prompt response regarding the resolution of this dispute and the removal of the charge-off from my credit report. Please inform me in writing once this matter has been resolved and provide any updates or additional information as necessary. I am asking for your assisstance to remove these accounts in my credit file : XXXX/XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$2500.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$7900.00} ; XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$1500.00}.
Product: Debt collection

Original creditor is Synchrony Bank. Opened on XX/XX/XXXX. In collections with XXXX XXXX XXXX. The amount is {$1600.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX on XX/XX/XXXX and filed a dispute with them. No additional information could be provided. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I never opened this account, nor did I authorize its use. I currently have two other Synchrony accounts in my name that I am in good standing with. One of which was also opened in XXXX and the second was opened in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX, Equifax, XXXX, & XXXX each with separate letters describing all the information that is incorrect on each of my 3 individual credit reports. 

I sent the first set of letters over 70 days ago, to each of the bureaus, with no response. 

I sent a second set of letters over 31 days ago, again with no response. 

Showing in detail the Inquiries that are fraudulent, the accounts that do n't belong to me and addresses, phone # 's, and Names that are not mine. 

I also sent copies of my SS # My AZ state ID, and a current household bill showing my Address. 

Despite each of the Credit reporting agencies placing a " Fraud Alert '' on my account, without me asking. They have not removed all the incorrect information, and they have not provided and signatures showing I have an account or a contract with the Companies in question. 

I feel this is a serious abuse of my legal rights and I am hoping to find some resolve with this complaint here and now. The following are all the misreported information on my 3 Credit Reports. 

The following are miss-reported and or 100 % inaccurate Inquires Alleged by EQUIFAX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Inquires Alleged by XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Inquires Alleged by XXXX ; XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Names Alleged by XXXX ; XXXX XXXX XXXX The following are miss-reported and or 100 % inaccurate Phone # s Alleged by XXXX ; ( XXXX ) XXXX, ( XXXX ) XXXX The following are miss-reported and or 100 % inaccurate Addresses Alleged by XXXX ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX The following are miss-reported and or 100 % inaccurate Accounts Alleged by XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by XXXX ; Arizona Federal court-XXXX Bankruptcy XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by XXXX ; Arizona Federal court-XXXX Bankruptcy XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a truck at the XXXX dealership today XX/XX/20 and when they ran my credit, I was told that I did not qualify to finance a car at this moment because there are accounts in negative standing on my credit report. I had no idea what they were talking about because I have always made sure to pay all of my loans and credit cards on time. When I got home I looked through a copy of my credit report and I saw three accounts and a few credit inquiries that are not mine. The accounts are from these companies ; XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of those accounts and I did not give anyone permission to open them on my behalf. I do not have written or verbal contract with those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I did not contribute to any payments that might have been made towards those accounts. I have already filed a police report & a complaint with the CFPB.
Product: Credit card

I paid a bill for the total amount of {$17000.00} on XX/XX/XXXX, and Bank of America duplicated the payment ( via autopay ) on XX/XX/XXXX. I contacted them, and they refunded {$17000.00} on XX/XX/XXXX ( although I requested a refund for the " current '' balance due of {$11000.00} ). I received a statement for {$0.00} on XX/XX/XXXX, with a fee of {$28.00} for an overdue balance. I again contacted them, and they said it was because there was a {$0.00} balance at the time the statement was generated, but their refund resulted in an " overdue balance ''. They reversed the {$28.00} fee, and advised me to let the " autopay '' pay the balance on XX/XX/XXXX. I then got an email stating that my credit limit was decreased because of the overdue balance ( which was because of their initial error and subsequent advice ). I contacted them again on XX/XX/XXXX, and agent XXXX advised me that I should NOT have believed the agent who advised me to let XXXX continue, that my credit limit was dropped because of the " overdue balance '', and that there is no XXXX Governmental agency overseeing credit card companies. She also advised me that the call was being recorded, but I was not entitled to receive a copy of it. I authorized payment ( 5 days ahead of " autopay '' ) and anticipate that Bank of America will again duplicate the payment. B of A is the only credit card company that I have dealt with who does not adjust " payment due '' after payments are received.
Product: Credit card

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Product: Credit reporting

I am a victim of identity theft and someone stole and used my personal information to open a fraudulent and unauthorized checking and savings account with XXXX. The checking account do n't belong to me. I have never opened a checking or savings account with XXXX.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$270.00}
Product: Payday loan, title loan, personal loan, or advance loan

The company, Upstart Network , Inc, re-structured my payment terms from a monthlypayment amount of {$1800.00} to {$2500.00} a month. Part of the te-structuring agreement wasthat they will consider the loan current and report them to the credit bureas as current. Ikept my agreement even thought it cost me over XXXX more a month. I also paid off the XXXX months earlier ( I paid it off in XX/XX/XXXX, 7 months before the maturity date of XX/XX/XXXX ) .This re-structuring of the loan and the terms were all done over the phone. I kept my part ofthe agreement, but the company did not correct the information on my XXXX, XXXX and XXXX credit reports. They show late for these months. I called thecompany again and the rep I spoke with said she will put in the request and that they willtake care of it. I reached out to the credit bureaus and disputed the information on my creditreport but the company still did not correct it. This is not fair.
Product: Debt collection

I have sent a cease and desist letter with my demands however I am still being contacted by LOWES to pay on an account that I do not owe! I sent a letter around the end of XXXX  stating to validate the debt pursuant to 15 USC 1692g. However I received no response but more statements and phone calls which are violations of consumer protection under 15 USC 1692c ( A ) when this account should be closed and settled. With Lowes not validating the debt, they now are sending me false figures and representations pursuant to 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) A as well as violating numerous federal laws. I have provided the erroneous billing statement along with the billing errors and false misrepresentation of this alleged debt.
Product: Credit card or prepaid card

I have received 4 months forbearance ; however, no one has responded in writing to my letters sent to Discover on XX/XX/2020, and XX/XX/2020. The letter explains my financial situation and requested a response in writing. I sent this letter to several different addresses for Discover such as the following : XXXX XXXX. XXXX XXXX XXXX, AZ XXXX Discover XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Credit Card Services XXXX XXXX XXXX XXXX XXXX, NC XXXX NO one from any of the addresses have responded by phone or mail. Each time customer service states they have no record and give me another address which is always different.
Product: Credit reporting, credit repair services, or other personal consumer reports

Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Product: Credit reporting or other personal consumer reports

Equifax is currently reporting late payments on a current installment loan. XXXX XXXX XXXX XXXX, the payments are current with XXXX but not current with equifax
Product: Debt collection

This account has been paid. I contacted the original creditor and verified a zero balance.
Product: Debt collection

To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from Phoenix Financial. I reached out to this institution via phone # XXXX XXXX XXXX XXXX twice on XX/XX/2020. The original rep I spoke with was combative, used vulgarity and refused to disclose my account # which resulted to him hanging up in my face. In addition, Rep violated HIPPA by disclosing sensitive information prior to authenticating account fully! I called back a second time and spoke with Supervisor XXXX XXXX and was able to obtain account number. I advised her I do not have an account with Phoenix Financial and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from Phoenix Financial. I  am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing a complaint due to harassment and the lack of professionalism.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached doc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was 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 corrected : XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX ... Balance : {$450.00}
Product: Debt collection

The company keeps calling me after I've told them on several occasion the debt was paid, and equipment was sent back. The debt collection agency is Diversified and the debtor was XXXX. They are probably the worse wireless provider in the business. They perform Deceptive Business Practices, False advertising, horrible customer service, can never speak with anyone in the U.S. They say they are giving phones as gifts for promotions and it turns out to be a lie. There are horrible. I've tried to explain this to the collection agency Diversified but they are aggressive and they don't listen to reason, so it causes people to become irate, due to their unprofessional methods. I plan to file a criminal complaint. They call 4 to 7 times a day.