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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. 15 US-CODE 16921 XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX XXXX in order to rent an instrument for my son. At the end of the contract, the instrument was returned, but my account was still charged for months afterward. Despite numerous calls made to the company, I kept receiving inaccurate bills ( which I did not pay ). Finally, a manager called me to let me know that the account was straightened out and my account would be credited for all of the extraneous charges. Unfortunately, my account was never credited and it was passed along to collections. I would like this account closed and derogatory information be removed from my credit report.
Product: Credit card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Dear XXXX XXXX, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XX/XX/year> National Credit Systems , Inc . 
XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX : XXXX Dear National credit systems XXXX XXXX XXXX XXXX XXXX to your communication about a debt youre trying to collect. You contacted me by Mail and identified the debt as {$13000.00}. 

Please send the following information : The name and address of the original creditor, the account number and the amount owed Verification that there is a valid basis for claiming I am required to pay the current amount owed Details about the age and amount of the debt including a copy of the last billing statement from the original creditor A detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest The date the original creditor claims this debt became delinquent Whether this debt is within the statute of limitations and how that was determined Please also forward details about your authority to collect this debt : Include whether you are licensed in my state, and if so, provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card

Around XXXX of XXXX  my phone was lost and someone had accessed a few of my accounts like my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My credit cards were attached to those 3 accounts listed above. Someone purchased a plane ticket in a whole different state, using XXXX XXXX XXXX XXXX XXXX XXXX  I was charged for 2 out of 4 of the installments. After i reported the fraud Navy Federal Credit Union denied the dispute and put the charges back on to my account after providing multiple evidence of proof. They did no investigating whatsoever! I live in XXXX NOT XXXX  and I appealed the dispute and they just re-listed the fraudulent charges back onto my account recently. Which is ridiculous because it was my very first fraudulent charge after having them for 3 years. Their dispute process is utter garbage. I dont know anyone who lives in XXXX  and i did not authorize my card to be charged. My XXXX XXXX  also had a fraudulent XXXX charge on it also but i disputed and won the claim. But navy federal refuses to see the issue here regarding the unauthorized charge. XXXX XXXX  account was charged too but i didn't dispute the charge because i knew Navy Federal would do nothing about it. I've attached all of the evidence that was submitted to navy federal as proof.
Product: Credit card or prepaid card

On XX/XX/2023 American Express Bank Serve Card froze my account with XXXX benefits directly deposited through American Express National Bank XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX There is no one at bank to contact. The service center at XXXX XXXX XXXX can only state that the account is frozen and under internal investigation. As of today it has been two weeks without the ability to use my ssi XXXX funds. The amount in account is one months worth of benefit 's. This has caused me problems with late fees, overdrafts, unpaid bills, lack of food and necessities of life. I had a XXXX headache first time three days ago and i am now having XXXX XXXX that make me XXXX. I am XXXX and this Unjust act by American Express National Bank, by freezing my account without notice or reason has made me XXXX XXXX XXXX XXXX. The XXXX is almost unbearable.
Product: Student loan

In total, over XXXX XXXX dollars were paid to Navient after they bullied me into paying them off constantly changing their payment agreements. I am no longer able to login into their website and check the amounts I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX: A letter/dispute was sent to all 3 credit bureaus requesting removal of discharged bankruptcy for failure to validate and provide proof of individuals where information was given from because US Bankruptcy Courts advised in writing that they do not provide information to Credit Reporting Agencies.

XX/XX/XXXX A letter in writing was sent requesting deletion/removal of this account, to no avail. I received a follow-up stating verified, no change ; with no validation or verifiable proof.XX/XX/XXXX : A phone call was place by myself, the consumer and I spoke with a CSR and Supervisor, who both advised me that they were not able to remove/delete this negative remark from my credit report because of FCRA states up to 10 year law, but could not provide me with information of how they were able to validate this information as requested in previous mailings. I also explained to them that it was not listed on another one of my credit reports and I could furnish a copy and that meant nothing
Product: Credit reporting or other personal consumer reports

Last year i found out i was a victim of identity theft, i called the bureaus and they told me what to do. i followed there instructions to the tee and the accounts still havent came off. please help me.
Product: Credit reporting or other personal consumer reports

I was notified a couple of months ago that my credit score had dropped about XXXX points due to an account, on which I had been an authorized user since XXXX, being closed, thus my age of accounts took a huge hit. However this account was NOT closed, so where are the bureaus getting this information from? Even XXXX XXXX says that this account is still open. I would like this straightened out, but everyone just wants to throw their hands up.
Product: Debt collection

OnXX/XX/XXXX I received a letter from collection agency stating they had purchase debt from XXXX for unpaid phone bill for {$320.00}. I never had or authorized anyone to open a XXXX account. I filed a police report with my local police department at that time. The officer called the agency and was informed the it will be forward to XXXX Fraud department. The officer call me and inform me of the status and that I should be receiving a call from XXXX Fraud Department. I received the call from XXXX who verified some information and stated I will not e responsible for the amount as it fraud. When I asked how the account was open, the XXXX agent stated it was open using my SSN. <P/>On Tuesday XX/XX/XXXX, A.D.R. GROUP, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ca. XXXX XXXX, contacted me threatening to file civil lawsuit for unpaid debt for total of {$990.00} unless I settle out of court for {$320.00} I inform their representative that this debt was result of identity theft therefore fraud. <P/>I then contacted Town Of XXXX and submitted a FOIL request to attain copy of the police report. Just received the report and following up on the ADR Group I found numerous complaints along the same line on what happening to me. All complaints involve ADR Group going after debt from over ten years and debt that was already paid, but still threatening lawsuits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX  ),
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX XXXX  ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXXXXXXXXXX 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: Debt collection

There are several companies harassing calling repeat times a day. Claiming I owed them money from years ago that I thought were charged off. I don't know how they can keep changing the companies name saying same type stuff. Is this a scam? I am XXXX XXXX XXXX and don't know all the laws and rights. Can you look into this please.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Subject : Request for Immediate Rectification of FCRA Violations in Credit Report Dear Equifax, I am writing with urgency to address critical inconsistencies within my credit report that directly contravene the Fair Credit Reporting Act ( FCRA ). It has come to my attention that my credit profile contains persistent errors, reflecting a substantial oversight of FCRA guidelines within your agency. 

To clarify : The FCRA stands as a crucial federal statute governing the precise XXXX XXXX XXXX XXXX sharing of consumer credit information. 

Instances of FCRA violations include : Creditors furnishing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' data due to similarities in XXXX  or XXXX XXXX XXXX 
Neglect of prescribed protocols for handling disputes by XXXX. 
Under the Fair Credit Reporting Act, I possess specific rights : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information from my file has been used against me in credit applications or other transactions. 
The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information as per the specified time frames ( XXXX years or XXXX in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items unquestionably breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused substantial distress, notably evidenced in my recent denial for extended credit due to errors originating from XXXX  XXXX. 
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX XXXX XXXX XXXX XXXXr : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX XXXX  XXXX  XXXX  : XXXX       Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 


I expect swift action to rectify these violations within the FCRA 's mandated time frame. Failure to comply will regrettably leave me no choice but to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX
Product: Debt collection

I was outside the country for more then 25 years, I recently received my XXXX card because because my wife and kids are Americans. I do not know this company and neither the origins of the debt claim. 
Claiming Company name and date ) ctober XXXX2015ARA INCPoBox XXXX Park, IL XXXX person : XXXX XXXX XXXX : ( XXXX ) XXXX ext XXXX Creditor : XXXX XXXX Bank XXXX XXXX # : ****************Current balance {$1900.00} ( due in full )
Product: Vehicle loan or lease

XXXX XX/XX/XXXX - informed XXXX XXXX XXXX XXXX for XXXX XXXX XXXX TX ) That I needed to send copy of declaration page for my account and charge removal. XXXX stated, " I can not take off charge right away ; '' though recent practices suggest otherwise. She continued to conclude that, " a review is needed by XXXX dept. to review and process. XXXX will take up XXXX business days before reflection on account. The employee combatively responded to the effect that, " If I do not take care of my payment repossession of vehicle and consistent calls may follow after the call. It is our policy to do so. '' - XXXX XXXX : I had received poor and unprofessional level communication from this employee who again reflected and insinuated levels of harassment and retaliation based off of their company 's policy. When I asked outlined questions addressing the policy and where to send these documents, she had provided an email that was later inaccurate. Later Called again Addressing the issue, yet again no resolve on the matter. 

XXXX XX/XX/XXXX - XXXX ( Customer XXXX XXXX XXXX XXXX  ) directed that the email was not provided to the department and ask for resubmission. Upon resubmission both departments did not receive email. The Company later ruled that on the XX/XX/XXXX that a department had received declaration, but department was closed. The rep later stated, " to call Monday following alleged submission. '' - Complaintee Response : I speculate that if such email was received and provided, The Company XXXX XXXX XXXX XXXX ) would have the discretion to remove such charge off of the accountant. 

XXXX XXXX - XXXX spoke with XXXX different Reps ranging combative communication to unprofessional communication regarding my account. The appropriate department did receive my documents with the correct information. However, It was delegated that department would still review information. There has been no updated information upon submitting.
Product: Vehicle loan or lease

So, I NEVER knew that my monthly payment was {$490.00} until this XX/XX/2020 payment that was reported late, based on my contract with XXXX my bi-weekly payments are {$220.00}, based on the number of payments due and the amount of money I have payed this company up until XX/XX/2020, I was in belief that I was ahead and the micro payments were maintaining my account. This contract is set up for the listed monthly payments to never be made in full on a monthly basis, its structured to fail its customers, to fulfill the listed monthly payment amount my biweekly payments should have been {$240.00}.
Product: Credit reporting or other personal consumer reports

Date of Birth : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCEEN REGARDING MY CREDIT REPORT, I NEED YOU TO INVESTIGATE THE FOLLWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. I WAS NEVER LATE ON THIS ACCOUNT PER 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable proced XXXX XXXXXXXX Account Number : XXXX Please remove alleged Late payment 2. I was never late on this account XXXX Account Number : XXXX I was never late on this account I demand you show me proof that I was every late with documents that supports these alleged late payments XXXX. I was never late on this account XXXX XXXX XXXX. 
Account Number : XXXX I demand these alleged late payments be removed from my credit report and account updated to paid as agreed 4. I was never late on this account XXXX XXXX XXXX XXXX Account Number : XXXX I demand these alleged late payments be removed from my credit report and account updated to paid as agreed I WAS NEVER LATE ON ANY ACCOUNTS LISTED AND NEED YOUR HELP BY PROVIDING ME WITH DETAILED DESCRIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION BEING REPORTED ON MY CREDIT REPORT. THESE ALLEGED LATE PAYMENTS ARE FALSE AND INACCURATE AND I DEMAND A FULL INVESTIGATION AND THEY BE REMOVED FROM MY CREDIT REPORT IF THEY CAN NOT SUPPLY PROPER DOCUMENTATION. 
I was never late on ANY ACCOUNT LISTED. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan and per 15 usc 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions.Except as provided inparagraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THIS IS CLEARLY A VIOLATION OF MY RIGHTS AND I WILL TAKE FURTHER ACTION TO MAKE SURE MY RIGHTS ARE BEING PROTECTED. 
XXXX Image not found or type unknown XXXX Image not found or type unknown XXXX Image not found or type unknown ONCE YOU HAVE FINISHED YOUR PROPER INVESTIGATION, SEND ME AND UPDATED CREDIT REPORT TO THE ADDRESS STATED ABOVE
Product: Credit card

The company had a data breech in XXXX  and didnt send out emails or mail letters stating there was a class action lawsuit. They should have reached out to me Ive been with this company for years. I am just now hearing about this, its unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I noticed a collection was placed on my XXXX and XXXX credit for {$83.00}. I noticed it was my final bill from the electric company. Instead of paying the collection agency, I paid the electric company directly .disputed the collection acct. Showed proof it was paid, these two companies removed the collection from Eastern account collections. 3 days later it was placed on my XXXX. I called them and disputed online. Collection report still there. I have disputed this 4 times with XXXX showing proof this acct was paid in full to the electric company. Its still showing on my credit. I have contacted the electric company about this. I was told Eastern collections was notified 2 days after my payment That the balance was XXXX ( paid in full )
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander has been violating my rights by taking individual action multiple times after I have complaint many times of it and was ignored. this situation is causing my life to become XXXX due to all the XXXX  and lies they have pushed on me and my families life.
Product: Credit reporting or other personal consumer reports

Finding unauthorized entries on my credit report today left me both shocked and frustrated. Since its not a browser issue, I expect my documents to be reviewed immediately to resolve this problem.