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

I would like to file a dispute upon me never happen to have an account with JPMorgan Chase of account balance of {$82000.00} dollars plus {$280.00} plus {$270.00} plus {$280.00} which I never open an account with Chase dating back from XX/XX/XXXX to XX/XX/XXXX and dating back from XXXX XX/XX/XXXX I've never lived at this current address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I did have an account with XXXX that's until someone stole my debit card please help me I do owe them XXXX I never had an account with XXXX XXXX I believe all this is fraud and I had nothing to do with it. please give me a phone call at this number XXXX so we can resolve this because I do need to open an bank account so I could start my own business and get direct deposit and various reasons or email me at XXXX I believe what I said is accurate and true. Wrong Banks wrong dates the only banks I've opened with was XXXX XXXX in XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Representative, I recently reviewed a copy of my credit report and noticed the following information regarding certain inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( XXXX ) a firm offer of credit, ( XXXX ) insurance, ( XXXX ) an application for employment, or ( XXXX ) a court order. 

The following inquiries are not related to XXXX of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report immediately. 
If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : XXXX ). Name and title of the person who pulled my credit. 
XXXX ). Date they purport that I gave permission. 
XXXX ). Method they purport that I gave permission. Please include documentation of said permission. 

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

The Credit Bureaus Transunion, XXXX and XXXX did not do a proper investigation according to the FCRA. The term XXXX XXXX Report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
All three credit bureaus did not do this. 
Also, XXXX, Transunion and XXXX have violated my rights even more, in accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report. Below is an attached credit report that has proof and evidence that after an investigation was requested each credit bureau XXXX, XXXX, and Transunion all stated that the disputed items were verified ( Evidence below ). However, it is shown evidence on my credit report to have 189 Violations of reporting inaccurate information, inaccurate accounts, and inaccurate and illegal late payments. Again, everything must be 100 % Accurate on my credit report and it is not. 
XXXX, XXXX, and Transunion stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and inaccurate late payment days are inaccurate. This is ground for removal. 
They violated the law because according to 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to the law 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. I as the consumer did not give anybody written instructions. 
Again, everything must be 100 % Accurate on my credit report. 
According to the law 15 U.S.C. 1681c ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt According to 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 7 ) Communicating with a consumer regarding a debt by post card. ( XXXX and XXXX used XXXX XXXX ) ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Product: Credit reporting or other personal consumer reports

A credit account from XXXX XXXX  is reporting on my credit report and it is a fraudulent account. I reached out to the credit bureau for them to remove it, but they have yet to do so and have refused to do so so at this point, I dont know what to do. The account is XXXX XXXX account # XXXX. Ive tried everything also submitting a FTC report, which is attached to this complaint
Product: Student loan

The loans that my loan forgiveness applies to were consolidated before the lawsuit was complete. Negative amounts are shown on the old loans. Total loan amounts on Aidvantage do not account for these negative amounts. In the meantime the consolidated loan, which should be reduced per the lawsuit against XXXX XXXX continues to grow with high interest. Last time I called was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

These accounts are not mine nor did I authorize them. I have reach out via certified mail over 30 days ago to the three-credit reporting agency ; TransUnion, XXXX, XXXX to investigate these inaccuracies but they still remain without the proper investigation or validation of these debts. 

These accounts have violated my rights : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX Account XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Account # : XXXX, XXXXXXXX XXXX XXXX Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account # : XXXX XXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A, states that a consumer reporting agency can not furnish an account without my written consent or 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 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.

I have attached a credit report with these terrible mistakes by the credit reporting agencies.to support my claims
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX  will not permit any corrections to inaccurate information in credit files. On XXXX XX/XX/2019, I reviewed all reported information and noticed inaccuracies in personal information including name, address, social security number, none of which can be fixed online. None of the telephone customer service representatives responded on the telephone despite waiting on hold for an average of 20 minutes per call. As a person who's recently experienced identity theft after data breaches, it's very important to take legal corrective measures.
Product: Credit card

I have been using my Capital One GM card to pay for insurance for several years and until recently never experienced a problem. XXXX XXXX XXXX I received a notice from XXXX insurance that my policy had been canceled for nonpayment of premium. I immediately called XXXX for an explanation and was told that my charge to the credit card was declined which I could not understand I will tell you right up front I have an XXXX credit score and finance nothing on my credit cards. After investigating the problem I found out capital one changed my credit card account number without proper notification. I immediately called Capital One and asked them to send me a letter of explanation so that I could forward it to XXXX showing it was not my fault and they would reinstate the insurance. I was told by XXXX XXXX that she would not send any letter indicating a mistake had been made by them. I find it extremely interesting that I was still making payments I charged with my old account number and they had no problem processing it. I do not know whether this affected my credit score but it was extremely embarrassing and I find it unbelievable they are not willing to take responsibility for their action.
Product: Debt collection

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. It needs to be 100 % accurate according to the fair credit reporting act and they have not provided such documentation of verifying.

I strongly believe the person responsible working on my investigation has been failing to work on its due diligence responsibility and has not been up holding the Laws violating the FCRA on many different sections for non compliance. 

Equifax werent able to verify it and I attached my proof of results marked deleted for this account # XXXX so why is it still reflecting marked as paid and closed on my last update credit report that was sent by the USPS. 

Lastly i never file bankruptcy for account # XXXX that is inaccurate information and must be deleted under the Fair credit reporting act. This account with XXXX XXXX XXXX  should be listed under investigation under bankruptcy fraud Title 18 U.S.C. 157 ( 3 ) because i never filed or included that account on my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX, a creditor reporting information on my credit reports, and Equifax, XXXX, and XXXX, the credit reporting agencies. I have discovered significant discrepancies and conflicting information on my three credit reports, which are causing substantial financial harm and hindering my ability to secure a mortgage for a home purchase. 

The crux of the issue lies with two XXXX accounts that are being reported to all three credit reporting agencies. Although the accounts are the same, the information being reported to each agency differs significantly, resulting in inconsistent payment histories and misleading representations of my creditworthiness. 

Upon noticing these inconsistencies, I promptly initiated an investigation dated XXXX/2023 in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ) ( B ) ( ii ). Equifax, XXXX, and XXXX each claimed to have conducted an investigation and assured me that any inaccuracies would be rectified. However, despite their assertions, the updated credit reports dated XXXX/2023XXXX XXXX/2023, XXXX/2023, and XXXX/2023, all contain the same exact inaccurate and harmful payment history being reported in three different ways to each of the three agencies This continued inconsistency is deeply concerning and proves without a doubt that a fair investigation was not conducted, as the discrepancies remain unresolved. 

The gravity of this situation can not be overstated. These discrepancies have caused me significant financial damages, as they have negatively impacted my creditworthiness and hindered my ability to obtain a mortgage for my intended home purchase. Despite my repeated attempts to resolve the matter, a fair investigation has not been completed, thereby prolonging the adverse effects on my financial standing. 

In light of these circumstances and in accordance with 15 U.S.C. Section 1681i ( a ) ( 1 ) ( A ) & 15 U.S.C. Section 1681i ( a ) ( 5 ) ( A ), I demand that the two XXXX accounts in question be promptly and permanently deleted from my credit reports. Furthermore, I request a thorough and impartial investigation into the handling of my dispute by Equifax, XXXX, and XXXX, to ensure that all relevant facts are considered and the appropriate actions are taken to rectify this situation. 

I have attached copies of the conflicting credit reports, along with any relevant correspondence and documentation, for your review and reference. I kindly request that you investigate this matter promptly and provide me with a written response outlining the actions taken to address these discrepancies. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure a fair resolution and rectify the damages caused by these inaccuracies. I eagerly await your response.
Product: Debt collection

On, or about XX/XX/21 I received an email from XXXX XXXX XXXX  stating that they closed and charged-off my XXXX account then sold the fraudulent debt to Midland Credit Management XXXX Inc. , despite ongoing litigation. 

On, or about XX/XX/21 I called Midland Credit Management XXXX Inc., but the representative I spoke with said, Midland was not in possession of the account at that time. So, I advised the representative to refuse the account once presented because it is a fraudulent and involved in ongoing litigation. And, if Midland does take possession of the account, Im going to name Midland Credit Management , Inc. as a defendant during litigation as well. 

On, or about XX/XX/21 I received an email from Midland Credit Management XXXX Inc. stating that they had purchased the fraudulent XXXX account from XXXX XXXX Bank, despite our previous conversation. So, once again, I called Midland to explain the situation, but I was blown off by the representative I spoke with. The representative did say, Midland Credit Management , Inc. will investigate my claim and get back to me. Then, with some prodding, I got a response date of withing 90 days. 

So, holding true to my word, I am formally naming Midland Credit Management , Inc. a defendant. 


Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX www.midlandcreditonline.com
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1618 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 and any other adverse information, other than records of convictions of crimes which antedates the report more than 7 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

My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated. 

Incorrect Personal Information Employers XXXX XXXX XXXX XXXX
Product: Credit reporting

This company is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I have previously sent written correspondence to XXXX XXXX Bank requesting that all account information be verified and removed because this account ( 1 ) does not belong to me, and ( 2 ) is listing both negative and inaccurate information on my credit reports. XXXX XXXX Bank 's response XXXX XXXX XXXX, XXXX ) was that I did not indicate what specific information you were disputing or requesting to verify. This is FALSE ; please see the detailed email below which shows all of the inaccuracies this company is reporting false information. I have also filed complaint with all three major reporting bureaus and have not received a thorough investigation as required by the law. This is a notice of complaint with Transunion, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file. The date of last activity, payment history, and status* do not align across all credit bureaus. After further investigation on my part, I am also concerned that this account does not belong to me as I have never willingly opened an account with XXXX XXXX Bank, nor do I have any prior knowledge of said account. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ), this notice includes : Identification of the specific information being disputed : TransunionXXXX reporting for Acct # not listed on either of the XXXX credit bureaus website, but pertaining to credit card account ending in XXXX. BASIS FOR DISPUTE 1. Date of last activity ( Inconsistent across all XXXX bureaus ) XXXX - XXXX XXXX Transunion - XX/XX/XXXX XXXX XXXX - unknown/not listed XXXX. Payment history ( Inconsistent across all XXXX bureaus ) XXXX - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - Bad debt/Collection Transunion - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - None reported XXXX - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - Collection ***Payment status is showing charge off from XXXX XXXX XXXX on XXXX XXXX however, XXXX payment status is showing " charge off '' on XXXX XXXX XXXX XXXX XXXX, then " ok '' XXXX XXXX, XXXX XXXX, then " charge off '' again XXXX XXXX XXXX XXXX XXXX, then " ok '' XXXX XXXX and XXXX XXXX, then listed as " charge off '' XXXX XXXX. *** 3. Status ( Inconsistent across all XXXX bureaus ) XXXX - " Charge off '' Transunion - " Charged off as bad debt '' XXXX - " Unpaid balance reported as a loss by credit grantor '' I also have NO knowledge of this account. 
Below I have attached a copy of my original letter to XXXX XXXX Bank, a copy of their response letter and a copy of the section of false information that is still reporting on my credit report.
Product: Debt collection

I opened that account in 2019 and they still keep calling me every day at any time
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX / XXXX XXXX U.S.C. 1681 section 602 A states I have a 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 permission, consent, or instructions. 

4. XXXX XXXX XXXX Acct # XXXX a. Company does not have a contract on file. The company denied my consumer right to receive a contract. 
b. I have attached documentation from the company denying me the right to receive the contract allegedly on file. 
c. The company failed to notate that the account was in dispute after I sent them a direct letter of the dispute via Certified Mail XXXX d. Violation of my consumer and privacy rights i. 15 US CODE 1681e ( b ) ii. 15 US CODE 1681a ( 2 ) ( A ) ( i ) iii. The Privacy Act of 1974 5 U.S.C. 552a e. Attached documentation has been provided to show that this company failed to provide a contract with my signature after requesting it. I have also attached the dispute letter that was sent to this company as well The letter sent to them was very clear and precise in what I was requesting and they intentionally and fraudulently failed to provide me with this information.