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

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXX 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

" I called XXXX and make the full balance payment on this account and asking to remove this account from my credit file, because the late payments on this account limited me to get access to new credit to buy a car, at the time I had the late payment on this account is because I had XXXX and been sick for several months after that I had a car accident where I XXXX XXXX XXXX XXXX and my XXXX  and been out of work for several months and my car was total lost. ''
Product: Credit card or prepaid card

A Care credit representative enrolled me in autopay and told me that my monthly payment would be enough to pay off loan by end of promotional period. XX/XX/2023 I was charged about {$2500.00} in interest fees because they said my balance wasnt paid off in time. They charged interest on original loan amount multiplied by 24 months. That is almost 50 % interest. I never received a contract with the agreement from the doctors office or care credit. None of these terms were made clear and I never received anything in the mail saying my promotional balance was ending and I would be charged these fees. At some point they enrolled me in paperless billing and now they are telling me that a lot of times their emails go to the spam folder. I found no emails from care credit informing me of these terms. I tried calling and offered to pay the remaining balance in full and begged them to remove the fees. They said I am one month past the promotional period and they wouldnt remove the fees or offer any kind of solution. A care credit representative made me believe I was paying enough each month and I would accrue zero interest. She lied and no one will help me. My credit score took a huge hit and that is the only reason I even was made aware of this outrageous interest charge. This company is very deceptive and they are scamming people that desperately need medical care.
Product: Debt collection

this debt was not mine victim of identity theft i want it removed from my report
Product: Credit reporting or other personal consumer reports

I am reaching out to raise significant concerns about several discrepancies in my credit report. Upon review, I identified multiple inaccuracies, including erroneous account entries, billing inconsistencies, unauthorized inquiries, and accounts that are not mine. These issues are compromising my financial security, and I urgently request your assistance in resolving them.
Product: Credit reporting or other personal consumer reports

DISCOVER CARD HAS BEE SHOWING UP ON MY ACCOUNT, AND I NEVER APPLIED TO THEM.NOW THE ACCOUNT IS IN DEFAULT BY WHOEVER THE OWNER IS, AND ITS SHOWING UP ON MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX since XX/XX/XXXX.  The checks clearly show the payment made, cashed date by XXXX   where they used XXXX XXXX bank. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Then I see another error with XXXX showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX  XXXX Account # : XXXX In accordance with the Fair Credit Report Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how it that possible if the Balance Updated is inaccurate & the Status Updated is inaccurate, they also violated my rights under : 15 U.S.C 1681 Section 602A. 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 consent. 

15 U.S. Code 1681 e ( b ) : Which states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I would like to report all 3 credit reporting agencies of which are XXXX, XXXX, and Transunion, for violating my rights as a consumer under the law 15 U.S. Code 1681- Congressional findings and statement of purpose. I disputed that the accounts XXXX, XXXX, XXXX, XXXX, were all inaccurate and I wish for that information to be verified via XXXX a credit builder app I paid for to dispute these accounts. The agencies I named above verified the information as correct and denied me my right to remove them from my account. The information they verified included dates that are inaccurate, or reported multiple different dates among all 3 agencies. Also another account says they received a 1099c and still have a balance owed for me to pay which violates the law and is tax fraud. And another instance is huge discrepancies between the 3 credit bureaus, they all have differences on the same account so I believe I am owed compensation as these account made it impossible for me to get a Credit extended to me for an emergency expense. In result I am in danger of losing my home because I missed payments on my mortgage. I would like them to remove the accounts, and pay me the restitution I deserve which is XXXX for each report being reported inaccurately and the balance of my mortgage thats past due now since they would not extend me credit based upon the inaccurate information they had reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with EXPERIAN the accuracy of the account XXXX XXXXXXXX XXXX XXXX  # XXXX and they continue to report it inaccurately which is a clear violation of the Fair Credit Reporting Act. The law is very clear - any inaccurate and incorrect information must be removed from a consumer 's credit file. XXXX has the removal date as being XX/XX/XXXX ( please see attachment ). EXPERIAN has it as XX/XX/XXXX ( please see attachment ), how can this be? There can only be XXXXne accurate date, not two. The information on a consumer credit file must match across ALL reporting agencies or it must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name XXXX  XXXX Account number XXXX Date opened XX/XX/2018 XXXX5 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

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

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to dispute the validity of the debt listed on my credit reports with XXXX, Experian, and XXXX, under the account number XXXX, which is associated with Reliable Auto and originated with XXXX XXXX XXXX. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am demanding that you provide me with the name of the original creditor associated with this account.

Additionally, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt, along with a detailed breakdown of how this amount was calculated. Please be advised that this request is solely for the purpose of verifying the accuracy of the debt amount as mandated by law. 

I am aware of my rights under the Fair Credit Reporting Act ( 15 USC 1681b ), the Fair Credit Billing Act ( 15 USC 1666b ), and the Consumer Financial Protection Bureaus regulations ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ), as well as the Fair Debt Collection Practices Act ( 15 USC 1692c, d, e ).

I expect your prompt attention to this matter and request that you provide the requested information within the statutory timeframe of thirty days. Failure to validate the debt within this period will result in the removal of this item from my credit report, as required by law. 

Please take immediate action to resolve this dispute and provide the necessary documentation to support the validity of this debt. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

My case for X/X/2010 should not even be on my record at all anymore for anybody to see. I was told in court that it would be gone and nobody would be able to see it anymore and XXXX XXXX was also pulled up on my background check and should not even be on there. This is causing me not to be able to get my job and it should n't be on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} This is my follow-up to make sure the validity of the listed accounts is turned positive.
Product: Credit card or prepaid card

Chase was notified of several purchases that Amazon claimed were made on my account. The response to Chase was difficult as Amazon removed access to the account as the company made an arbitrary decision that I made a return on a product that was to be plug and play. Amazon has been having problems in my area where the deliveries are not happening and or end up being taken by people walking by. The company has taken a position that they will make any delivery that they claim is made to be in the possession of the person who ordered the item. I have attempted to work it out with Amazon to only be told that the company will not assist me as my account has been closed and any purchases I made were hereby not visible for receipts or warranties. Chase was provided the information about the deliveries and the items that didn't arrive. I placed the complaint as the vendor that had the problem is Amazon. The item that shipped via XXXX or XXXX didn't have problems. I have provided the information that supports the situation where packages were stolen or never delivered to Chase. The process of obtaining the information was difficult as Chase did not have access to receipts from Amazon. The information provided was a picture of a package on a porch. My porch looks the same as the neighbors porch. I have requested that Amazon please leave items either in the lock box or leave a note and neither occurred. 
The responses I received were that the items once they are left are now considered delivered. That makes no sense as it does not protect items from being stolen if they are even delivered. The transactions that I looked up that I can see are not in possession and Amazon will not discuss. Chase opted to pick Amazon due to their relationship with them to be the credit card provider for Amazon that makes a lot of money for the company.
Product: Credit reporting or other personal consumer reports

Subject : Request for Validation of Bankruptcy Information Dear Experian, I hope this letter finds you well. I am writing to request validation of the bankruptcy information that is currently being reported on my credit report. I recently obtained a copy of my credit report and discovered that there is a bankruptcy listing present. In order to address this matter accurately, I kindly request that Experian provides me with the specific details regarding the bankruptcy, including the method through which this information was obtained. 

Please provide the following information : Date of Bankruptcy Filing Bankruptcy Case Number Court Name and Location where the Bankruptcy was Filed Full details of the Bankruptcy, including the type ( Chapter XXXX, Chapter XXXX, etc. ) Additionally, I would like to know the method through which Experian received this bankruptcy information. It is essential for me to understand the source and accuracy of the information being reported on my credit file. 

I am making this request under the Fair Credit Reporting Act ( FCRA ) Section 609. According to this section, consumer reporting agencies are required to provide consumers with the information in their file and disclose the sources of the information upon request.

I kindly request that Experian responds to this inquiry within the 30-day timeframe as mandated by the FCRA. If it is determined that the bankruptcy information is inaccurate or can not be verified, I request that Experian promptly remove it from my credit report. 

Enclosed with this letter, please find copies of documents supporting my identity, including a copy of my driver 's license and a recent utility bill. I appreciate your prompt attention to this matter and look forward to receiving the requested information. 

Thank you for your cooperation in resolving this matter promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX 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 UPDATED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Fl XXXX Date XX/XX/2024 To whom it may concern. I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account name XXXX Account number XXXX Reinvestigate the completeness of every piece of information and if its not accurate please remove it from my credit report.

Base of consumer law 15 U.S. Code 16811 procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, Experian has failed to remove the account from my credit report, continuing violate FCRA regulations.

Experian 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. despite my efforts to resolve this matter directly with Experian, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint addressed the Credit Reporting Agencies to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the Credit Bureas remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX