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

I submitted my dispute on XX/XX/year> you can see the date in the email confirmations and i called lexisnexis on XX/XX/year> and the representative said my dispute was not resolved yet ( this is 30 days later ) and i didnt get a response to my dispute until XX/XX/year>
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have a Discover Card. How can they show on my credit report as a creditor without my knowledge? I didn't sign up with them people. I sent all the stuff to them to show them and they still are showing on my credit.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed fraudulent account on my report I don't know what ( XXXX XXXX XXXX ) is, this fraudulent account need to be remove from my report because it's hurting my personal finance.
Product: Credit reporting or other personal consumer reports

I am requesting an investigation into these accounts due to concerns about their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their reinstatement and have not received any mail regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. 

Account Name : XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, TRANSUNION IS Obligated by the FCRA to report accurate accounting. Consumer has advised All the accounts, all the inquiries reported was fraud. Said companies had 4 days according to LAW to remove such items. and block from being on the report while conducting an investigation. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX. XXXX. TRANSUNION TO provide the documentation used to determine these accounts and inquiries was indeed authorized by the consumer. XXXX. XXXX. TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-Oscar report
Product: Credit reporting or other personal consumer reports

Hello Theirs a lot of inquiries I dont recognize when I try to call the bureau some of them have the information that dont even match And that stop me big time for me so do what I need to do for my families
Product: Checking or savings account

- Received mailings about open account in my name from Comerica Bank - Called Comerica Bank and they said they would close the account - Comerica Bank rep also asked I contact FTC about this fraud - Comerica Bank rep also asked I contact credit bureau about this fraud - Comerica Bank rep also asked I contact XXXX to report this fraud
Product: Debt collection

The acct was opened on XX/XX/XXXX. I was incarcerated from XXXX XXXX to XX/XX/XXXX. I submitted documents supporting that this is fraud. Company does not acknowledge the information I submitted. Dispute was filed.
Product: Payday loan, title loan, personal loan, or advance loan

I checked my credit report to find out I have a collection account of almost 500 dollars WHICH Ive never received or applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX Toyota financial service XXXX XXXX XXXX, XXXX, Az XXXX To whom it may concern : I have been with the company since XXXX XXXX i have had 3 accounts with you guys all in good standing during that time, I have enjoyed our experience with Toyota financial service, greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on the above reference account before covid-19 i was an exceptional customer, hopefully the Carest Act, also i have experience a death in my immediate family I would like to reconsider removing the negative payment history from my credit report .At the time of the late payment my hours were cut short so I went from working XXXX unexpectedly. This is not to justify why the payments were late, but rather show that the late payments are not a good indicator of my actual credit worthiness. I hope the XXXX XXXX XXXX is willing to work with us on erasing these marks from my credit report. 

I have been a very happy customer in the past. I hope to continue a long relationship with Toyota financial service with today 's industry being so competitive. I know how important it is to keep a good relationship.I highly recommend it to all my friends. I look forward to your reply. 
Thank you in advance. 

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section2 : It also stated that consumer reporting agency can not furnish account without my writing instructions 15 usc 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I contacted the original company and explained it was not my account, and asked for the original contract with my signature which they could not provide .i also informed them i would be filling a police report for identity theft
Product: Credit card or prepaid card

XXXX Received a statement from Comenity-XXXX, promotional balance deferred interest issue. Retailer applied a statement due that that is different than the promotional end date ( last statement due XXXX and promotional end date, XXXX ), making the consumer to have to pay additional interest of {$850.00} at an interest rate of 29.99 %. Interest calculation is very disingenuous and predatory. Having to make this additional payment for interest that is supposed to be 0 % promotional after all payments were made on time and in full within the due date of the statement is totally a sham or very devious. Retailer is unwilling to correct this issue or provide a favorable resolution.
Product: Credit reporting or other personal consumer reports

I want XXXX XXXX, XXXX and Equifax to add and report the following personal information to my XXXX XXXX, XXXX and Equifax credit report : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, XXXX  XXXX ID Card Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Home Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Phone Number : ( XXXX ) XXXX, Employer : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Employer Phone Number : ( XXXX ) XXXX, Start Date : XX/XX/XXXX to present, Annual Income : {$85000.00} to {$150000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After several contacts and discussions with Al three bureaus I have not able to have these incorrect items from my report as they have individuals information that doesnt belong to me or match my credit activities with all bureaus. Now that I have exhausted all the remedies under their guidelines, I would request that cfbp get involved However their verification method and processes violated my consumer rights and still impeding me from utilizing my credit privileges allowed under the law. They have not send me any original documents nor did they explain why these erroneous reports are on my file. I intend to pursue this matter until deletion of all derogatory items listed on my account.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. I was in prison and all my stuff was stolen and fraudulent used. I have proof of a police report that I made. 
This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.
Product: Debt collection

There are two collection listed on my credit file that are unknown to me, I have disputed with no validation received back. The accounts are XXXX XXXX XXXX XXXX and XXXX These inaccurate remarks need to be removed
Product: Consumer Loan

When trying to pay off my loan via ACH the company refused to post that same day and instead are posting after the weekend Thus accruing an additional three days of interest on my loan. I have dealt with predatory lenders with more ethical pay off routines.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Dispute of Erroneous Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information reported by XXXX, Experian, and XXXX regarding the account XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only complete and accurate information reported on my credit file. 

Upon reviewing my credit reports, I have identified the following inaccuracies : Inconsistent " High Balance '' : XXXX reports {$620.00}, Experian reports {$0.00}, and XXXX reports {$320.00}. 

This discrepancy violates 623 ( a ) ( 1 ) ( A ) of the FCRA, requiring data furnishers to report consistent and accurate information. 

Conflicting " Date of Last Activity '' ( DLA ) : XXXX lists XX/XX/XXXX, Experian lists XX/XX/XXXX, and XXXX lists XX/XX/XXXX. 

These inconsistencies violate 611 ( a ) ( 1 ) ( A ). 

Missing " Closed Date '' Information : XXXX lists the account as closed on XX/XX/XXXX, but Experian and XXXX fail to report this status. 

Omission of this critical data violates 609 ( a ) ( 1 ). 

Erroneous XXXX XXXX XXXX : Experian 's timeline conflicts internally by reporting " OK '' statuses while simultaneously reporting XXXX, XXXX, and XXXX lates. 

XXXX 's late payment history conflicts with Experian 's reporting, creating additional inaccuracies. 

These errors violate 611 ( a ) ( 1 ) ( A ). 

Inconsistent Credit Limit Reporting : XXXX and Experian list a credit limit of {$600.00}, but XXXX lists {$0.00}. 

This discrepancy violates 609 ( a ) ( 1 ). 

These inaccuracies not only violate the FCRA but also significantly harm my creditworthiness. I respectfully request that this account be deleted entirely from all three credit bureau reports as the data is unverifiable, inconsistent, and inaccurate. 

Requested Resolution : Delete this account from my credit reports at XXXX, Experian, and XXXX. 

Provide me with a written confirmation of the deletion. 

Enclosed are copies of my credit reports highlighting the discrepancies and inconsistencies for your review. 

Thank you for your immediate attention to this matter. Please contact me if you require additional information. I look forward to your response within the XXXX investigation period as required by the FCRA. 

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

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : CAPITAL ONE PLATINUM CARD ; Account number : XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692g ( Validation of debts ), 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), and 15 U.S.C. 1681e ( Compliance procedures ), all information reported on my credit report must be accurate, complete, and verifiable. Additionally, under 15 U.S.C. 1666b - Timing of payments, creditors must follow specific timing rules for payments to avoid wrongful reporting of late payments.

Moreover, according to 15 U.S.C. 1692d ( Harassment or abuse ), as implemented by Section 1006.14 ( a ) of the FDCPA, a debt collector is prohibited from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. I have experienced harassment from this creditor, including frequent and aggressive phone calls as well as threatening letters sent to my home.

The specific inaccuracies I have identified include : 1. Account Number Discrepancy : The account number provided is inaccurately reported compared to other sources.

2. Account Status : The account status is inconsistent across different records.

3. Date Opened : The " Date Opened '' information does not align with the records provided.

4. Payment History : The payment history reported is inaccurate, and I am also facing harassment from the debt collector, including frequent phone calls and threatening letters sent to my home. 
Given these inaccuracies and the harassment experienced, I am requesting a thorough investigation into this matter and demand that all erroneous information, including the harassment, be addressed and corrected or removed. I expect written confirmation of the resolution within 30-45 days of receiving this letter. 
Please be aware that if my request is not addressed within the stipulated time frame, I am prepared to take legal action to seek damages. As per the FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy on my credit report. Additionally, I may seek legal remedies for the harassment experienced under FDCPA regulations XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - 15 U.S.C. 1681 Section 602 A states, I have the right to privacy.

- 15 U.S.C. 1681 Section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 U.S.C 1681 C ( A ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of information other than the records of conviction 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 the information is inaccurate.
Product: Debt collection

On XXXX XX/XX/2020 @ XXXX, I called Midland Credit Management and discussed a possible settlement for a debt I owed of {$710.00}. I spoke with XXXX along with my financial counselor being on the call. My counselor asked for a lower settlement. I could not make the settlement he initially offered of {$570.00}. XXXX said he could not accept our offer. My counselor asked for the payment address because I could not pay the settlement in full and XXXX refused to give us the payment address. Stated that our {$25.00} payment would not be acceptable. My counselor again asked XXXX what the payment address is and again he refused to give us the address. We informed him that we would be filing this complaint.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a payment of {$1800.00} was paid to XXXX XXXX that would satisfy my obligation to a debt as agreed.XXXX XXXXXXXX has not updated the Credit Reporting Agencies that my balance is XXXX. I filed a dispute with Credit Reporting Agencies, however, XXXX XXXX declined to acknowledge the balance was XXXX. On or about XX/XX/year> I called the XXXX XXXX XXXX  with XXXX XXXX at XXXX. I spoke with a representative who insisted my balance was XXXX and my account would be escalated to management to be cleared up in a few days. The account did not get updated as promised so I filed a dispute with the credit bureaus on XX/XX/year>. On XX/XX/year> the credit bureaus reported that XXXX XXXX had failed to update the information. The lack of follow-through with XXXX XXXX has negatively affected my credit and caused me to be declined by other lenders.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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

In accordance with the Fair Credit Reporting act XXXX the Accounts listed below has violated my rights. 

1. XXXX XXXX  XXXX 2. US Dep ED XXXX 3. US Dep ED XXXX 4. US Dep ED XXXX 5. US Dep ED XXXX 6. US Dep ED XXXX 7. US Dep ED XXXX 8. US Dep ED XXXX 9. US Dep ED XXXX 10. US Dep ED XXXX 11. US Dep ED XXXX 12. US Dep ED XXXX 13. US Dep ED XXXX 14. US DOE / XXXX XXXX XXXX. US DOE XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX  XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX XXXX XXXX XXXX 23. XXXX XXXX XXXX XXXX XXXX 24. XXXX XXXX XXXX XXXX XXXX 25. XXXX XXXX XXXX XXXX XXXX 26. XXXX XXXXXXXX XXXX XXXX XXXX 27. XXXX XXXX XXXX XXXX  XXXX 28. XXXX XXXX XXXX XXXX XXXX 29. XXXX XXXX  XXXX 30. XXXX XXXX XXXX XXXX 31. XXXX XXXX XXXX XXXX 32. XXXX XXXX XXXX XXXX 33. XXXX XXXXXXXX XXXX 34. XXXX XXXX XXXX 35. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which experian and XXXX deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my XXXX file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, some of my personal information was compromised in the Equifax data breach. In XXXX, an identity thief charged {$30000.00} to a department store XXXX XXXX 's ) without the card ( it was in my possession ), using a bogus New York XXXX XXXX license. It took months to resolve this issue. Recently, my credit score dropped substantially, which made no sense since I had just paid off my auto loan. I found, through my credit reports, that someone had opened a XXXX XXXX account in my name in XX/XX/XXXX, and had not paid the bill so it was sent to collections. The person used my name, social security number, and the address of a home I sold XXXX years ago. XXXX XXXX will not help me, and their website refuses to accept the fraud report I have tried to file multiple times. I have lodged a dispute with all three credit reporting agencies. XXXX who is responsible for this problem in the first place, has gotten back to me, claiming that XXXX XXXX believes this delinquent bill is legitimate. No one, in other words, is being helpful, and I have spent hours and hours just in the last week trying to solve this. I can prove I did not live at the address used to open the account ( I have been at my current address for XXXX years ) and it also is illogical that I would set up an account with XXXX XXXX XXXX when I live in the XXXX. In addition, I have an impeccable credit record, dating from the XXXX. I have filed a police report, and a report of identity theft with the XXXX. I have lodged a fraud alert with all XXXX credit bureaus. When this is resolved, I will freeze my credit.
Product: Credit reporting or other personal consumer reports

FCRA 605B stipulates that we must eliminate any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each incorrect entry on my credit file.