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

I filed several disputes with Equifax to investigate and correct the payment status on my credit report for account " Attorney General - Child Support '', but got no results. All my payments are current and was never late at any month XXXX. ( please see payment records from the Attorney General showing that my payments are paid on time and never late since XX/XX/XXXX ), but now Equifax is showing that I was late 60 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( please see attached ). 

I contacted the Child support office several times and they assured me that they file my account as current and never reported late payment status for those months. If that's true then why all three credit agencies report that I was late 30-60 days during year XXXX. ( please see attached copy of my credit report from all three agencies showing that I was late in various months in XXXX ). 

This is very very critical error and will have devastating effects on my career and everything else if my employer or prospect employer run my credit report, so it needs to be corrected ASAP. I've been calling and talking to the child support office and Equifax for the last few months now and it's getting worse instead of fixing the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The inquires from this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.
Product: Credit reporting or other personal consumer reports

Its 6 credit inquiries on my credit report. Ive submitted request to have them removed. Inquiry details FRAUDULENTLY DONE 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 card

Hello I got scammed from someone stating lifetime support and they refused and blocked me I opened a dispute and it got refused so I appealed with them and they just closed my account. And didnt give a reason why Ive been going back and forth to reapply and it wont let me now they are blocking me. I call them they says they know the problem and wont tell me. This is frustrating because I am a legite and honest consumer yet they are so rude and terrible service. Only reason I am with them still and want to be is because of the easy integration with Apple
Product: Debt collection

End of XX/XX/XXXX, I spoke with a gentleman representative at Credit Collection Service ( XXXX ) regarding a collection with XXXX in the amount of {$220.00} to work out a settlement to get this collection paid and removed from my credit report. I believe the date we had set up that payment for was XX/XX/XXXX. I specifically asked the gentleman if he would send me a letter stating the settlement amount that we agreed upon and stating that is would be removed from my credit report. He stated he would have this letter sent out to me. I asked again to confirm this collection would be removed from my credit report once paid, and he responded with yes and it would have in the remarks as paid in full. With this information I was provided, I ended up having the money sooner than expected and mad a call back around XX/XX/XXXX to make the payment for {$170.00}. I was told that it can take up to 8 days to reflect that it was paid in full. I have filed 3 disputes with XXXX to have this removed from my report as it now shows closed with a {$0.00} balance. XXXX has responded each time that the information is accurate. I have since then, called Credit Collection Service regarding this matter. I was told by the 3rd representative that the they do not request that the information be removed once paid. I explained the situation to her and she said that she would send it to her supervisor to review the calls and to call back the following day. I wait 2 days before I call back, and was told that she would send it to her supervisor for review as the first time and to call back after XXXX that day. I waited until the next day to give them time to review, and I was told basically there was nothing they could do. I was then transferred to a supervisor who said that I ( me ) misunderstood the information I was provided on the first call. She said this after I explained that I specifically asked the representative if this would be removed from my credit report once I paid it, and he responded with yes, and it will be remarked as paid in full. Clearly confirming my question. She said that I misunderstood what he said. she then proceeded to tell me that she was not going to argue this with me. I am finding it hard to believe that I misunderstood any of the information I specifically asked for clarity prior to taking care of my debt. The information provided by the representative was misleading and deceptive as the only reason I agreed to a settlement was that it would be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT UNAUTHORIZED INQUIRIES ON MY CREDT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been following up with Equifax regarding some incorrect information they are reporting about me. I sent in a dispute on XX/XX/2019 and they sent me back the incorrect report. They are still reporting the balance of {$160.00}. I have a letter from XXXX XXXX XXXX XXXX saying it was paid in full. 

I would like to know why I was sent the incorrect report. I need this removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 Dear Equifax, XXXX It is now XXXX XXXX you received the first correspondence on XXXX XXXX which means your 30 days to Validate such has expired. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. Also as of XXXX XXXX, all public records are to be removed you have yet to comply.
My mother is in the XXXX XXXX of XXXX, therefore, I am dealing with our family attorney to handle her affairs. Per our attorney, You are in direct violation of my rights If I owe such debt let the collections agency send me validation, You do not have the right to play XXXX with someones family. I request an immediate deletion of all negative items from my report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit report. 
The following accounts were fraudulently opened in my name : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} In addition, I am requesting the deletion of the following unauthorized credit inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to live in XXXX XXXX in XXXX md. After I moved out. the lessing office called me that they was a carpet damaged That I should pay the sume of {$260.00}. I Asked lessing company to give me one month to make the payment. And we agreed on that. Before that mouth pay the {$260.00}. But the lessing company still send my information to credit report. Right now I need help I want them to remove the {$260.00} from my credit report
Product: Debt collection

The company is asking me to pay an account established at XXXX. At first the account stated being established XX/XX/XXXX, then once I spoke to them, it was rereported as XX/XX/XXXX in Florida. I live in XXXX Ga, and have already filed a case of Identity theft with the police and consumer credit reporting agencies. I contacted them on several occasions to ask for the proof the account is mine, or to verify their legal right to collect. 
I want to file this compliant because, they are attempting to re-age this account and purposefully misrepresenting information, either way its being done to harm my name and reputation.
Product: Debt or credit management

Lack of Knowledge : I have no knowledge of these accounts, and I have never entered into any financial agreements or transactions with the aforementioned creditors. The information provided is unfamiliar to me. 
Incorrect Reporting : The account balances mentioned are inaccurate. I have never received statements or correspondence related to these accounts, and I believe that this information has been reported in error. 
Request for Verification : I kindly request that you provide validation of these accounts, including any supporting documentation such as account statements, contracts, or records of transactions. I would like to verify the legitimacy of these claims. 
I understand that it is essential to maintain accurate credit reports, and the inaccuracies listed above are negatively impacting my creditworthiness. I am dedicated to resolving this matter promptly and ask for your assistance in investigating and rectifying these discrepancies. 

I request that you promptly initiate an investigation into these disputed items in accordance with the Fair Credit Reporting Act ( FCRA ) and provide me with a written response detailing the results of the investigation. If it is determined that these items are indeed inaccurate or can not be verified, I request their removal from my credit report. 

Please acknowledge receipt of this dispute letter and provide a reference number for my records. You may contact me at [ Your Phone Number ] or via email at [ Your Email Address ] to discuss any further information or documentation required to resolve this matter. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXXXXXX 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 XXXX0}
Product: Credit reporting

This is the second time I file a complaint against Lexis Nexis Risk & Information Analytics Group Inc. 
I received an adverse action notice from XXXX regarding a recent credit check. They provide the name of the credit reporting agency, Lexis Nexis Risk & Information Analytics Group Inc., as the agency that can provide me with my free credit report. They state that I have 60 days to obtain the report from the date provided on notice, XXXX XXXX, 2016. 
Upon contacting LexisNexis Risk & Information Analytics Group Inc., I was asked to have my social security number, date of birth, zip code, address number, and phone number ready. I provided my social security number to the automated system and the automated system stated that the social security number provided was not able to be verified. I called the number provided, ( XXXX ) XXXX, a second time and received the same message. 
The contact information provided for LexisNexis Risk & Information Analytics Group Inc. is the following : LexisNexis Risk & Information Analytics Group Inc. 
XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I have attached my driver 's license with both my maiden name and married name. 
I have included my social security cards, XXXX with my maiden name and the other with my married name. 
I also included a copy of my most recent utility bill with my maiden name and current address. 
I included a copy of my banking statement with my current address. 
Finally, I attached a copy of the adverse action notice received.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00}
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I filed a dispute with Chase VISA regarding a charge that was misleading from XXXX XXXX ( {$520.00} on XX/XX/XXXX and XX/XX/XXXX, split in two ). The hotel advertised ( XXXX XXXX XXXX XXXX, XXXX ) that I was paying extra for a " high floor '' in a 21 story hotel. I was given 8th floor and told " high floor '' means 6-10. There was no indication of this when making the reservation and prepaying. The hotel nor XXXX didn't offer me a refund of any type, partial or otherwise, so I dispute the charge with Chase. Chase said it was valid. When I asked them to re-open it because they didn't address the issue of the misleading/fraudulent advertising, they sent a letter saying it was a valid charge based on the receipt from the hotel- not addressing the issue of a misleading advertisement and charge for a " high floor '' room in a hotel that was 21 floors. XXXX told me that the individual hotel is responsible for what they post on the XXXX app, where I made the reservation and payment from. T The complaint is because of the failure of Chase to help with the dispute, not addressing at all the fraudulent advertising ( I sent them copies of the app screen that says " high floor '' without indicating it would be the bottom half of the hotel! ) BUT also, in their letter, they said they were reporting my disagreement with their dispute finding to four credit agencies ( and they provided the names and addresses of each ) who may not file it correctly. I experienced this as an intimidation or threat to not re-open the dispute again as it could impact my credit (! ), despite Chase not addressing the issue of the fraudulent advertising by the hotel when I made the purchase. 

My understanding is that credit agencies don't deal with customer disputes- especially as my credit card bill is up to date, has never been late, and I have not refused to pay this charge. In fact I have outstanding credit ( over XXXX ). 

So my complaint centers around Chase : 1. Not adequately addressing the substance of the complaint 2. Attempting to intimidate me by claiming that any disputes around charges ( regardless of payments made to Chase ) are reported to credit agencies- which of course, any consumer would be concerned about " reporting to credit agencies. ''
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX XXXX Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX  Balance : {$6300.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report. After reviewing my credit report obtained. I noticed an inquiry made by unauthorized creditors. However, I have no recollection of authorizing or initiating this inquiry, nor do I have any affiliation with those creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

the macys account in question MACYS ACC # XXXX, Is reporting a late negative, which i never committed, please have all three bureaus to remove this inaccuracy. 
i have already submitted the creditors letter for which they have approved of removing them, as banking error.
Product: Mortgage

I have documents from my mortgage servicer stating I have an escrow shortage, and as a result my house payment will be going up to cover the shortage. It appears my beginning escrow balance was changed by the servicer sometime during the last several months. I have documents from Lakeview Loan Servicing dated XXXX with an escrow surplus of {$7400.00} with an actual escrow balance reported for XX/XX/2021 of {$12000.00}. I also spoke to XXXX/Lakeview Loan Servicing on several occasions during these last few months, and inquired about my escrow surplus. I was informed that since I was in forbearance, I could not get the surplus. This amount was confirmed on several occasions by them. I asked for a review of my escrow account since it was now being reported as Lakeview Loan Servicing is providing me an escrow advance. The numbers are all completely different from what was initially reported, and calls to the servicer just reaffirm this incorrect information. The amount of total disbursements for the year are under my actual starting escrow balance of {$12000.00}, so I'm not sure why there was ever an escrow advance in the first place.
Product: Checking or savings account

I called Bank of America on XX/XX/2021 to open two claims - an OLB claim and a check claim. After multiple calls to Bank of America I came to realize they never opened my check claim. I've tried to resolve with their claims department multiple times and have spent hours on the phone with reps who have no idea about process or regulations. Their reconsideration process is questionable- there is only one person who reviews these which does not seem right as a second set of eyes might catch something the other didn't. My main issue is that I requested to open two claims on XX/XX/2021 and only 1 was opened. My check claim was eventually opened on XX/XX/2021 - 7 weeks after my request. This is a clear reg violation as my claim was not opened on the date I requested.
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 USC 1681. 



XXXX. XXXX secured card XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX accept # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( 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 XXXX years.