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

XXXX XXXX XXXX is reporting inconsistent and inaccurate information on my credit reports which is greatly affecting my credit score and is in violation {$1000.00} per violation with the FCRA. Ive disputed this account before and yet this account continues to report the inaccurate information. For example it reports the Date Of Last Activity for experian is XX/XX/XXXX while for XXXX  reports XXXX/XXXX/XXXX. This is a violation of the FCRA by this account has be ILLEGALLY re aged the account showed closed back in XXXX and thats supposed to be the last active date. This account also shows that its closed but yet with XXXX  also shows late 120 days. This is another violation by an account that is close ended can not be late unlike open ended credit card accounts per the FCRA. Ive disputed this account before with experian back in XXXX of XXXX but yet on the report it did not update the date reported which shows XX/XX/XXXX which is a violation of the FCRA by its suppose to update the account status each time its disputed. Experian shows the last payment was XX/XX/XXXX and XXXX  shows XX/XX/XXXX. If all the credit bureaus are getting their information from the same company how is it that theyre reporting different information. XXXX  as well has inaccurate and inconsistent information which will be attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I had accepted a Settlement offer on a XXXX XXXX XXXX Personal Loan offered at {$1700.00} of a said balance of {$3400.00}. I paid {$1700.00} on XX/XX/XXXX and they still have failed to update the bureaus with the paid amount. The Credit Reports still indicate a balance of {$1700.00}. 
It should show as : CHARGED OFF ACCOUNT ; ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF This is what is reported : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Reported balance Highest balance {$3500.00} OVERVIEW Highest balance {$3500.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 0 month PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Unsecured loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

After cancelling the card they wanted to send me another card. They also requested I send them a copy of a government paper with my social security number to clear an unknown transaction from XXXX XXXX that was on the card. I refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a bunch of in active accounts on my credit report from this year and last year. i have filed numerous reports with the FTC in regard to this matter. i am also getting harassed by numerous debt collector in regard to these debts. I do not know any of the technical terms for the debts that are trying to be collected. i ask that the following accounts be removed from my credit reports XXXX Hard Inquires AMEX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

After on going account disputes for months, and requesting information on the books and accounting on my loan, I went ahead and did a negotiable instrument to make my payoff. On XX/XX/23 it was process, cleared, title was sent & Lein was released. 

I then sent a conditional acceptance letter on XX/XX/23 requesting total account records, books, any IRS forms filed on my behalf. I sent them all the laws and definitions following what I was needing to see. I gave them 10 days to respond with the information requested, which was not only REFUSED & LATE returned to me, but also IGNORED. I received my conditional acceptance with a letter stating we only accept USD. 
Within the letter I broke down, conspicuously what UCC 3-304 means in a case such as this one. I also gave definitions on any material needed and a proof of claims they needed to prove before going forward with this loan. I put them on notice of dispute several times, laws conspicuously state any debt in dispute can not be attempted to collect until resolved, my dispute was not resolved until seeing the complete books and accounting on my auto loan. 
On XX/XX/23 chase auto charged off my account, failing to resolve, show me the books, resolve the dispute, prove they have not committed any fraud on my behalf, sold my personal information, been paid using my promissory notes, received any funds on my behalf to settle my debt, proved the payment made did not settle my debt, etc. as the entire letter will be attached to review. Next is a lawsuit, as I am sure chase auto will try to get my private property, and I will have to sue for theft, defamation, harassment, identity theft, and fraud.
Product: Credit reporting or other personal consumer reports

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. 

Listed inquiries below : XXXX XXXX XXXX XXXX XXXX Westlake service XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Westlake service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Westlake service 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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$130.00}
Product: Credit reporting or other personal consumer reports

I am writing to ask for your assistance regarding the error that Experian has never taken off my credit file-inaccurate addresses. This is related to a case filed by yourself the CFPB against Experian, showing that the company was in serious violation of the FCRA, failing to conduct proper dispute handling and failing to update outdated information. 

After numerous repeated requests, Experian does not adhere to what the law requires. I humbly ask that the CFPB compel Experian to meet its FCRA responsibilities in this matter. If the above issue is not resolved within 30 days, further redress will be sought through legal action and formal complaints. 



Thank you for your support.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 plus ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have never missed any scheduled payments on this account. The lates that are reporting is incorrect and 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 or other personal consumer reports

I have unauthorized inquiries on my credit report. I have reached out to the creditors about these inquiries but they have failed to remove them from my report. The inquiries are : XXXX XXXX  XXXX Transunion XXXX XX/XX/year> XXXX  XXXX XXXX - Transunion - XX/XX/year> XXXX - XXXX - XX/XX/year> XXXX XXXX  - Transunion - XX/XX/year>
Product: Credit card or prepaid card

Offer says " Within 30 days of opening your account, deposit {$50000.00} in New-to-Citibank funds between the new checking and savings accounts. Maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. '' However, the customer service requested that I need to maintain the funds in my account for another 90 days to qualify the requirement for the bonus. It is scam.
Product: Checking or savings account

Ive noticed quite a few login attempts on my SoFi banking account and Ive had to change my password I can see when the dates my account is accessed are and the person who hacked my account attempted to get a loan in my account. But thankfully I have a credit freeze so it didnt go through. Ive attempted to contact support about the issue and they say they see no issues and says my account is secure. Obviously it isnt. I need help Im scared
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, I bought 2 vehicles and a house. The following inquiries need to be removed from my credit report as I never applied to these companies for loans. 

XXXX XXXX Credit Technology Inc 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 I need these inquiries removed from my credit report ASAP. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are not belong to me.

Except as otherwise provided in this section, 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
Product: Debt collection

I am writing to formally request the removal of an account from my credit report, the account is account number, originally held with XXXX XXXX XXXX XXXX .in the amount of {$800.00} and subsequently sold to RA ROGERS INC DEBT COLLECTION AGENCY. 
I WOULD LIKE TO BRING TO YOUR ATTENTION THAT I HAVE BEEN ACTIVELY TRYING TO RESOLVE THIS ISSUE AND HAVE ALREADY SETTLED THE OUTSTANDING BALANCE. 
GIVEN THAT THE DEBT HAS BEEN PAID AND THE ORIGINAL CREDITOR NO LONGER HOLDS THE THE ACCOUNT, I RESPECTFULLY REQUEST THAT YOU REMOVE THE ACCOUNT FROM MY CREDIT REPORT. 
UNDER THE FRCA IAM ENTITLED CORRECTION OF INCORRECT INFORMATION OF ANY INACCURACIES.SINCE THIS ACCOUNT IS NO LONGER VALID DUEBTO ITS SALE /UNAUTHORIZED TRANSFER TO A COLLECTION AGENCY AND SUB SETTLEMENT, I BELIEVE IT IS IN BOTH OUR INTEREST TO TO RECTIFY THIS INFORMATION
Product: Mortgage

I bought my home XXXX. I had been paying for years. I had a XXXX XXXX. I XXXX  was XXXX XXXX XXXX XXXX XXXX XXXX for more than 18mthS. In XXXX the services stopped accepting my payments. They first tried to disclose in XXXX last year stating I didn't sign a document they were denied then they went for I abandoned my property while I was still on it. I could have filed bankruptcy or homestead but I wasn't cognitively aware is there anything I can do? They took all my possessions as well. I know why I wrote a letter ib XXXX to Homeland security director and I named dropped I the owner of XXXX who bought my note I. XXXX stopped reporting me to the credit bureaus that didn't matter bcuz I could noy make them is wasn't until I had brain injury was he able to get his revenge. Is there anything I can do not about his revenge but my home and posseasions. XXXX and scared. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recorded but credit report and noticed unauthorized items that shouldnt be reflecting on my credit report. This has been a rough time during this pandemic
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15-USC1681 section 602 it states I have the right to privacy. USC1681 604 section 2 states consumer report agencies can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes. Please remove. 

On the Capital one I want the late removed and closed account On the XXXX XXXX XXXX XXXX Capital one They all said it would be soft inquires on my report and they were all hard. I want them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, AMERICAN EXPRESS Inquired on XX/XX/XXXX, JXXXX - CARD SERVICE Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

Equifax has allowed XXXX XXXX to report an item that was to be deleted to my credit report. Equifax is allowing debt purchasers to renew the dates as new on my credit report. This is improper information and a violation of the fair credit reporting act. Equifax will not let you dispute these online or let you call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate information from XXXX XXXX XXXX and guarantythat does not belong to me on my credit report. I am a XXXX with XXXX other cousins with the same name ( that I know of ). this information is not mine. I have sent over 20 emails to Experian and they have not responded except with form letters. The other two reporting agency, XXXX and XXXX, has removed the items in question. The creditor the debt was sold to has also removed it as well. I finally sent experian a procedural information request letter per the FCRA and they have failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to bill me $ XXXX after I have called more than 4-times spending countless hours on the phone with equifax representatives and have requested they cancel this service and credit my the funds charged as I have never received the service I paid for. I have no access to my equifax file, credit monitoring has not been cancelled and equifax keeps billing me. Equifax representatives told me the service will be cancelled and I would be credited. Neither of these has happened and I keep getting billed
Product: Debt collection

On XX/XX/year> I looked at my credit report and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year> asking them to investigate this account XXXX Original balance : {$750.00} Date opened : XXXX XXXX. They sent me their investigation and said that this account was verified and accurate this is the report number of the letter I received from them # XXXX. And according to 15 USC 1681i ( 5 ) I see it states after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not re investigate and violated my right. Thank you
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX Never XXXX the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

AES students loans was paid since 2014, the AES, tranfered to citizens bank, as I file a complaint to citizens bank, and they lower it {$9000.00}, they told me, the citizens bank, will contact, the AES, so they will removed the report in the credit report, I can not afford to pay the credit repair company, Im XXXX, XXXX, did not to there part, there case number before here in XXXX was XXXX. I did called XXXX XXXX, but he told me to sent the copies of the credit report, they should do this long time ago, after they cashed the payment of the said student loans.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had 1 late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within 3 business days. Thank you so much for your time.Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions 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  To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXX XXXX  in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with XXXX XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.