23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX  DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is reported late, yet it is closed and the balance is XXXX as reported in Transunion. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct this account below : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for Chime bank, I submitted a dispute XX/XX/XXXX to chime support service and they have looked into it and dispute is still pending. I have called them just about every week asking for paperwork on the money I apparently owe them but they can not provide that information, I have asked what I owe them several times and they state that I owe them nothing, and it shouldnt be showing a charge, though on my credit report I am having points taken off every week because they keep reporting I owe them {$640.00} XXXX week and {$320.00} another then {$310.00} and back up to {$640.00} in a cycle, though they have no record of it. I have lost over XXXX points because of this and now every time I call they hang up on me.I am lost on where to go now. They are knocking down my credit report weekly charging the same things
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : XXXX XXXX XXXXr : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX PA ) Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX PA ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Account Name : WFC Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( XXXX ) ( B ) ] : XXXX XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. 

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX
Product: Credit card

My credit card was paid in full with interest before the due date and then I had a credit of 300 then the charged me an interest fee of XXXXafter card was payed off
Product: Money transfer, virtual currency, or money service

XXXX XXXX navy federal have caused overdraft fees from being taken out days after transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and i saw an in accurate account being reported, I tried to contact the reporting agency with no response, I then contacted EXPERIAN. I advised them of the account being reported in accurately. They said they will look into it, they never provided proof of the account was owed. 

With my understanding of the FDCPA and FCRA they are in violation of these laws. 

Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

Fair Credit Reporting Act section * ( 611 ( a ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well. To be provided within ( 5 ) days of completion of your re-investigation
Product: Credit reporting

Equifax has taken longer than 30 days to complete an investigation. The XXXX and myself have made several contact to XXXX - and we have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report that I do not recognize. Also, there is numerous addresses and names or the spelling of my name that are reporting that I do not recognize as well. The only name and address that should be listed on my credit report it is the one below. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have contacted XXXX, Equifax and XXXX over 10 times to have them deleted so that I have a accurate credit profile but none of the credit reporting companies have respected my rights. 

XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a correspondence letter to LCI requesting information on a bankruptcy they were reporting to XXXX that was inaccurate. I provided documentation from both XXXX and XXXX that this erroneous entry was deleted from my credit report along with a correspondence letter from XXXX XXXX that the bankruptcy was also deleted from my profile due to inaccuracies. I received a letter from LCI, dated XX/XX/2020 informing me that Lundquist Consulting Inc ( LCI ), acts as a furnisher and provided bankruptcy information to credit reporting agencies bureaus. The letter stated these records are considered " public '' even though they may contact personal information and since the information LCI reported was obtained from a publicly available source, they do not have authority to change the information ( including opt-out preference ). The letter also stated to dispute the completeness or accuracy of this bankruptcy, I may submit a letter of dispute to LCI identifying the specific information being disputed, the basis for the dispute, and include all supporting documentation to substantiate the basis of my dispute. I've provided all this information in my initial dispute and they failed to overlook it. 

XXXX collects date from XXXX XXXX and LCI for public records. XXXX XXXX is regulated under the FCRA but LCI is not when they report the same information, why? Can you explain the difference between the two types or data collections? That BOTH affect credit worthiness? 

Section 603 ( d ) ( 1 ) defines " consumer report '' as communication by a reporting agency with information that bears in a consumers credit worthiness ( see attached image for full definition ). How is LCI not being regulated by the FCRA then? 

LCI 's website stats to contact XXXX in the event a consumer suspects their bankruptcy information is erroneous. However, XXXX 's website directs us to contact LCI if we have questions on the bankruptcy. Why is there a conflict of information? Who exactly should the consumer contact? Secondly, on LCI 's website, they EXPLICITLY state " LCI DOES NOT MATCH BK INFO TO XXXX CREDIT FILES '' ... ..So, how does XXXX consider this information verified if LCI is stating they do not verify such information? 

Also, why is XXXX reporting LCI to have claimed to be covered by the Fair Credit Reporting Act ( FCRA ) if they are not ( see attached image for documentation purposes )? 

FCRA Section 603 ( 5 ) ( p ) also recognizes any company who supplies public record information to XXXX ( or any credit reporting agencies ) as a " consumer reporting agency '' Again, how can LCI report anything to XXXX on a consumer if they are being recognized as a reporting agency?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There were three credit cards opened under my name that I did not open. The three are XXXX, XXXX XXXX, and XXXX. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.
Product: Debt collection

XXXX XXXX XXXX, XXXX was attempted to collect the debt with me and kept call me with different number. i was told them that i was attached to chapter XXXX bankruptcy, but they still called because the prior creditor they know that i was attached to bankruptcy, and portfolio recovery bought from prior creditor on XXXX 2016. and they seem like they never fixed the problem even though they knew it was including in chapter XXXX
Product: Credit card or prepaid card

CITI Credit card was fraudulently updated from XX/XX/XXXX. 
Finally after escalating with the CITI CEO 's the account was closed on XXXX after talking to multiple Fraud supervisors. 
But again on XX/XX/XXXX teh Credit card was reopened on a CLOSED account and even the executive office can not close teh account or don't know how to close the account. 

I have all written EMAIL proofs and now they started issuing notice to make autopayment. 
Sequence of Events : XX/XX/XXXX @ XXXX PM CST- Email and Phone changed- got it fixed-Online XXXX XXXX AM CST : Email, phone, address and security word got changed -- called and spoke for XXXX Hour -- but was not able to authenticate XXXX after taking for 1 hour around XXXX AM CST letter was sent XX/XX/XXXX : XXXX am CST : XXXX : Phone email mobile wallet balance transer flex loan last4 digitsXXXX call from XXXX : XXXX PM CST Ref : XXXX XXXX : XX/XX/XXXX : Security Word got changed : XXXX XXXX XXXX  : XXXX : XXXX : spoke at XXXX am XXXX XX/XX/XXXX XXXX 
XXXX : XX/XX/XXXX -- XXXX PM XXXX ; XXXX : 30 days request XXXX : XX/XX/XXXX XXXX XXXX  XXXX : Security Team : XXXX Fraud : XXXX Fraud : XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX ; ref # XXXX XXXX spoke wiht whom on XXXX per XXXX. 
XX/XX/XXXX : spoke at XXXX am XXXX XXXX pm cst XXXXXXXX all update were done to fraudalent email and phone ; XX/XX/XXXX credit card XXXX ; got XXXX alert raf XXXX Supervisor citi-XXXX XXXX XXXX XXXX POLICE Complaint with XXXX, TEXAS XXXX ahs been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On so many levels I am frustrated this is totally wrong and it is a shame as a veteran for this country I have to continue to pay consulting fees to companies in order for them to instruct me on how to deal with all of this false reporting on my credit reports. I have sent so many letters to these companies and they are refusing to act accordingly. This is heartbreaking and its making me delusional. As a veteran I should be able to move forward with my life without being given more frustration because of unwillingness to follow the law. This is absurd. I have attached all the documents from the previous months that I have sent and I am asking these companies to remove all this mess. It is false, inaccurate, erroneous and someone keeps running my credit. This is illegal under the united states laws and the FCRA and the FDCPA, Im not an attorney I dont know what Im suppose to put here. WHy WHy Why do you keep costing me more and more money? Please respond. You arent responding to some letters and when I did receive a response it was totally bogus.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

The following unauthorized inquiries on my credit report that I would like removed. 

XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 According to the FCRA these unverified and unauthorized items must be removed.
Product: Credit reporting

I been trying to communicate with Experian for almost a year to update my personal information with them. I emailed them, I wrote to them and even tried calling them. I want to inform Experian that I been married now for over two in a half years and they need to update my maiden name to my married name, as well as my home address. How can I get them to update my personal records ( name, address, etc. )?
Product: Credit reporting or other personal consumer reports

I am writing to formally file my complaint regarding the incorrect reporting of a late open accounts on my credit report. Despite multiple attempts to resolve these issues through direct communication with the credit reporting agencies and the creditor, the error remains unresolved. Accurate credit reporting is critical, and the continued presence of these errors are causing significant harm to my creditworthiness and personal stress. Despite my repeated efforts to correct these mistakes, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on on you to intervene and ensure this inaccuracy is rectified promptly. Given the persistence of this error despite my efforts, I am seeking for your assistance to : 1. Conduct a thorough investigation into the reporting of this account.

2. Ensure that the credit bureaus and the creditor involved take the necessary corrective actions to accurately reflect the account status as closed with timely payments. 3. Provide a clear resolution and timeline for the correction of these errors. 
Please help me correct the accounts right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I originally sent a letter XX/XX/XXXX, disputing information on my credit report, which I enclosed a copy of my drivers license, social security card and a utility bill with the letter. 

They received it on XX/XX/XXXX ( See Letter 1 ), also they were probably closed on new years day which is also odd, the letter says they requested more information which I never supplied but they say they received it on XX/XX/XXXX ( Letter 2 ) which is fraudulent it was enclosed in the original letter received XX/XX/XXXX, drivers license, social security card and utility bill. 

I replied and resent a follow up letter ( See response to Letter 1 & 2 ) saying they were fraudulent and therefore don't get an additional 15 days. 

Received a response of XXXX on XX/XX/XXXX, which made no sense what so ever. 

It's now been 35 days and still no clarification, deletion or follow ups from TransUnion regarding this. 

The CFPB is currebtly suing XXXX for this exact same thing.
Product: Debt collection

A company named IQ Data has been attempting to collect {$150.00} from me for money they claim I owed to an apartment complex at which I lived in XXXX, TX when I was XXXX. Neither this company, nor anyone else, has been able to explain to me why I owe this money. Instead, when the debt collectors call, they simply state that they do not have to tell me why I owe money because it 's in collection. When I contested the collection with the credit bureaus, XXXX immediately took the charge off. Subsequently, IQ Data then falsely reported to XXXX that the debt was paid in full, which leaves the collection on my record but gets the credit reporting agency to stop investigating. When I contested the charge with XXXX XXXX, IQ Data reported to them that it 's still a collection account. IQ Data still continues to call and demand the money, asserting that they do not have to tell me why I owe money and that they do not know what it 's for.
Product: Credit card or prepaid card

American Express XXXX offered two {$50.00} credits for spending {$50.00} or more with XXXX XXXX if it was ordered online. I spoke with a representative about this and other officers and was told I had to order the item online which is what I did. I relied on their guidance. 
I purchased two items online under this program on XX/XX/2021 and XX/XX/2021 and did not receive the credits from Amex. 
When I called AmEx they said the orders did not qualify because they had to be shipped to home. They claim they can not do anything about this because the credit is 'system generated '. 
I am submitting a complaint because I was advised by an AmEx representative about the offer and the requirement to purchase online ( which I did ) and nothing about having the item shipped to the home. I believe I was misled and met the substantial requirements of the offer. The fact that this offer is system generated is not of my concern. 
I had called to cancel my card in XXXX and the representative walked me through this and a couple more offers as a way to entice me to keep the XXXX  card. I relied on this information to keep my XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my recent credit report, I found several unauthorized inquiries as well as incorrect accounts. I sent a certified letter to Equifax, as well as submitted disputes online asking them to remove the inquiries and both verify and validate the accounts in question. Today I received a letter via mail, explaining that I did not need to give consent for inquiries to be given on my credit history. As these are inquiries that are not associated with any account, I do not agree that any company should be able to request my credit file without my written consent. They still have not provided validation or verification of the debts shown.
Product: Credit reporting or other personal consumer reports

Equifax had put My account in XXXX  status and is giving me the run around I submitted my identification and still they wont fix my account to where can see my credit score and credit report on myequifax or any credit reporting agency like XXXX XXXX or XXXX XXXX