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

I sent out letters to XXXX, Equifax and XXXX about removing this charge off from XXXX XXXX in the amount of {$11000.00}. I was told that all the information was verified. Which isn't true because the amounts and dates are are all different. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Product: Credit reporting or other personal consumer reports

Dear Self XXXX, XXXX, and XXXX, I am reaching out regarding inaccuracies on my credit report associated with my Self Lender account. After reviewing my credit in XX/XX/year>, I was surprised to find late payments reported for XXXX, XXXX, and XXXX of XXXX  on my Self Lender savings account. This account was specifically opened to build positive credit, yet these inaccurate entries have negatively impacted my credit score. 

I promptly filed a dispute to receive detailed explanations and evidence supporting this late payment claim. However, despite the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ), it has been over 40 days, and I have yet to receive the required documentation. Instead, the account status continues to update inaccurately. According to FCRA, Section 1681i, credit reporting agencies must investigate disputed information promptly and notify the consumer of their findings. The absence of such documentation violates this legal requirement.

Additionally, under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666b, I am protected from incorrect billing. Given that I have not received a physical loan from Self Lender and only made monthly savings contributions of {$48.00}, these late payment reports appear to be unfounded and misleading. The inaccurate reporting of this account as late violates both my consumer rights under 15 U.S.C. 1681i and 15 U.S.C. 1692g, which require accurate and fair billing and reporting practices. 

I respectfully request the immediate deletion of this account from all credit reporting agencies. In light of our prior good-standing relationship, I also request the removal of any associated late fees and a correction of these inaccuracies on my credit report. I trust we can resolve this swiftly without further escalation, allowing me to continue a positive relationship with your organization. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and EQUIFAX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reviewing my consumer report in its relationship between I, XXXX XXXX, and you TRANSUNION and I've noticed unauthorized inquiry 's on my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Dispute of Inaccurate/Unverifiable Debt and Request for Removal of Collection Account Account : XXXX Account : XXXX ( No Contract/Agreement ) : ** I have never signed a contract or agreement with Collection Agency. I have no legal obligation to pay this debt, and it should be removed from my credit report. Also, this is not my debt to pay
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

The correct balamce for this account is {$13000.00} XXXX XXXX XXXX XXXX rarely updates my cresit report UNLESS it is for something negative. All 3 of my cresit rwports need to reflect the correct balance. If this continues, i will make a complaint each month, also I am current only 5 days late on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just turned XXXX and was curious if I have a credit score. I went to this website called Trans Union and signed up to see if one exists. The site asked for my credit card number. I thought it was needed for verification or something. Now I see a XXXX charge on my XXXX for today XX/XX/20. I don't even have a credit score or report yet so what am I being charged for. I want my money back and this service cancelled asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had been trying to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refused to adjust after, numerous email, calls and letters. I have since canceled the line of credit, credit card with them and just would like fees and interest returned to me in the amount of {$61.00}
Product: Credit reporting or other personal consumer reports

I told them that my wife stole my personal information and used to to take out cards and I didn't know she did it until she passed away and I can't file a police report on a deceased person. I'm homeless with my daughter and can't get an apartment now because my credit score is XXXX and it's not my fault.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX  XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 5XX/XX/XXXX/2024 XX/XX/XXXX XX/XX/XXXX/2024 XX/XX/XXXX/2024 XX/XX/XXXX/2024 XX/XX/XXXXXX/XX/XXXX/2024XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XX/XX/XXXX : Returned payment fee of {$41.00} XX/XX/XXXX : Payment reversal of {$3000.00} ( They said the corresponding account in which I paid from was closed. This is completely false ). 


XX/XX/XXXX : Returned payment fee of {$41.00} XX/XX/XXXX : Payment reversal of {$2000.00} ( They said insufficient funds which is completely false ). 

XX/XX/XXXX : Payment reversal of {$1900.00} ( They said insufficient funds which is completely false ). 

XX/XX/XXXX : Returned payment fee of {$41.00}. 

XX/XX/XXXX : Returned payment fee of {$30.00}. 

*There were other returned payment fees for payments that should have 100 % gone through in XXXX but I convinced them to reverse some of the fees because there was no explanation as to why I couldnt make payments. 

XX/XX/XXXX : Payment reversal of {$300.00} ( Reason was insufficient funds which was completely false ). 

XX/XX/XXXX : Payment reversal of {$300.00} ( Reason was insufficient funds which was completely false ). 

XX/XX/XXXX : Payment reversal of {$600.00} ( Reason was insufficient funds which was completely false ). 

XX/XX/XXXX : Payment reversal of {$100.00} ( Reason was insufficient funds which was completely false ). 

I have always called the credit card company to ask why this is happening because its maddening, I always pay on time, I always use correct account numbers, I always use accounts that are adequately funded thousands of dollars more than the payment I am making. They have said insufficient funds and they have said the account youre using is closed. These are complete untrue statements and at this point they are stealing hundreds from me in these fees.
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 XXXX XXXX XXXX. 

Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX  has violated my rights. Or 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX SS # : XXXX XXXX XXXX XXXX XXXX  Dear Bureau RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error.

The items below should all be updated as agreed on my consumer report. 
XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$240.00} Please correct/update this inaccurate information on my credit report. 
XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$300.00} Please correct/update this inaccurate information on my credit report.
Product: Credit card

Open the chime credit builder account along with my checking account. The credit builder account had no limit but was reliant on funds applied to the account to use the account, so there was never a extension of credit it was actually money that I had put into the account. 
The card number that I had was mysteriously not showing on my account online and inquiring about it I was informed that that card was deactivated due to fraudulent activity in an attempt to log in via two devices and that was against chime terms and policy. 
Never carrying a balance over from month to month chime was reporting me late on the on payments. They mentioned that the security count was accessible to me which it is not and therefore automatically funds the credit builder account. 
Chime subsequently close the account and report it to the credit bureaus that it was closed and still late. I requested that they validate this information to make it correct and they refused to do so saying that they've they have researched and it remains valid. 
This is caused a problem as my credit reports are showing a 30-day delinquent at a time
in which I'm trying to process an auto loan. The difference in interest that I'm potentially going to be charged is over XXXX over the life of the loan. I made my request to chime quite simple either delete the 30-day notice and leave the account closed or delete the entire trade line completely as in it's impacting me negatively they refused today XX/XX/year> I spoke to a supervisor who would only go by the name of XXXX I asked for further information to validate who he was and he refused he ultimately said he could not help me any further and said their policy stands and that was it. 
I believe this is violation and abuse of a customer and I do believe that there are other people who have recently had the same complaints with chime they are not holding up their obligations they're not informing customers of how the process works and they are taking money and they're not making it available to the customer via the credit builder or direct
Product: Credit reporting or other personal consumer reports

I ordered my most recent consumer [ credit ] report from XXXX on XX/XX/XXXX, but once received, I became concerned regarding 5 hard inquiries, all of which without permissible purpose ( per 15 U.S.C.,1681e ( b ). Please see attached credit report and letter, as they provide evidence that Transunion has [ knowingly ] been in violation of my consumer rights per FCRA guidelines, for an extended period of time, ultimately affecting my financial health. The following are the hard inquiries in question : XX/XX/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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, XXXX XXXX all violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX/XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX reported to Experian that I applied for credit in which I never applied for. they have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, employers, phone numbers and names corrected on my report as this is a violation of my consumer protection rights.
Product: Credit reporting or other personal consumer reports

There was a Credit Card opened with XXXX XXXX XXXX XXXX around XXXX of XXXX. I never opened such an account with them and never had any business with this sketchy company. I found out my Identity was stolen around XX/XX/XXXX when I was routinely checking my credit reports and found an account from XXXX XXXXXXXX that was closed 90 Days Past Due. The account number of the account is XXXX. I never opened this account and filed disputes with XXXXXXXX XXXX XXXX, XXXX, XXXX, and Equifax for ID Theft. I also filed an ID Theft Report with the FCC. The file number is XXXX. I believe the ID Theft happened when I installed malware unknowingly around XX/XX/XXXX on my main computer. I request that this account be removed from my Credit Report effective immediately and for any adverse information to be removed. I also request any inquiries that resulted in this account to also be removed, if not done so already. I also request any of my personal information be removed from XXXX XXXX 's system and for any collection efforts to cease immediately. I have attached a copy of the ID Theft Report to this complaint for the company 's review.
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a balance of {$510.00} on the XXXX XXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) I have also attached the letter with confirmation number showing that this account has, in fact, been settled. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.
Product: Student loan

I was sent an email from the XXXX and the White House stating that I qualified for early forgiveness if switched to the SAVE plan since my original amount borrowed was under a certain amount ( under $ XXXX plus a year for every $ XXXX over that amount ). I submitted and switched on XX/XX/year> which was acknowledged by XXXX and my servicer ( edfinancial ) I should have been included in the wave of forgiveness in XXXX, however Edfinancial failed to process my application in a timely manner and I was passed over for forgiveness. I had multiple chats with Edfinancial in which they acknowledged they had the application, but it was not processed. Unfortunately, they did not process my application until XXXX and the injunction happened not that long after. So now I have missed out on forgiveness that I should have received. I received a letter from them last week acknowledging they did receive my application on XX/XX/year> but failed to process it until XXXX and that they were retroactively applying a forbearance during that time. Unfortunately that also added additional interest to my balance that was not there previous to this letter. I just want to know what options I have, as I should have had my balance forgiven in the XXXX XXXX  and now instead I am stuck in limbo with the SAVE plan being challenged-especially since I only switched to Save because I was told I would get immediate forgiveness.
Product: Credit reporting or other personal consumer reports

I refuse to accept your dismissal of my identity theft claim as an error or misrepresentation of material fact. Who granted you the authority to decide what qualifies as a material fact? You hold no position as a judge, jury, or any authority to make such determinations. Your actions are unwarranted and without merit. 

The Federal Trade Commission ( FTC ) clearly outlines that upon receiving an FTC identity theft report filed with a law enforcement agency, you are obligated to adhere to the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Credit reporting

I am applying for a home loan, and one of my positive accounts is missing from my Experian credit report, which is adversely effecting my credit scores. I am an authorized user on my wife 's XXXX XXXX revolving credit account, and this information shows on both my XXXX and XXXX XXXX reports, but the tradeline is not showing on my Experian credit report. I contacted XXXX, the issuer of the XXXX XXXX account, and they stated they ARE reporting it to Experian and that there is nothing further they can do since they are actively reporting the information, and that it is on Experian 's end.