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

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX 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
Product: Credit card or prepaid card

I opened Amex Delta Gold credit card with XXXX plus XXXX $ of promotion offer in XXXX, XXXX. I have met the spending requirement in XXXX and contacted the Amex many times saying the offer will be posted in my account. But it has been 5 months and nothing happened.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Their system wasn't made available during the last day of the billing cycle XXXX, and I was unable to login to make a payment. I paid the bill the very next available day, but they still reported me over 30 days past due, even though I tried to pay the bill on the last day of the billing cycle. I called and spoke to someone about this issue. I also had automated payment issues with the company in XXXX of this year in a similar situation the last day of the billing cycle. My bill is current. I have worked really hard on my credit over the last few years, and these reported account statuses popped up due to their ( Shellpoint Mortgage Servicing 's ) negligence in their process. If I were given the opportunity to make a payment the last day of the year XXXX, I wouldn't have a 30+days late reporting on my credit report. If their system wasn't only capable of using one bank account on the voice service, I could've selected my other bank account to make a payment ( being that the online portal was down and it was outside of normal business hours ). Please just update my reporting to reflect no late payments, and I can stop worrying about this on my report and move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT 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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number XXXX XXXX, XXXX XXXX  : Account XXXX : XXXX, XXXX XXXX  : Account XXXX : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account XXXX XXXX XXXX, XXXX XXXX : Account number : XXXX, XXXX  : Account number : XXXX, XXXX  : Account number : XXXX, XXXX XXXX XXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my XXXX and Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer credit report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 15 USC 1681e ( b ) requires that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce for consumer credit, personnel, insurance, and other information. These procedures must be fair and equitable to the consumer, ensuring confidentiality, accuracy, relevancy, and proper utilization of such information1. The law also mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of consumer reports2.
Product: Money transfer, virtual currency, or money service

My concern is regarding Zelle handling disputes, Zelle never investigated my claims they inform me that recovering lost funds was impossible and tracking my transactions was unfeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND XXXX CONTINUE TO REPORT CLOSED ACCOUNTS AS OPEN CREDIT DEBT WITH MONTHLY NEGATIVE ACTIVITY AS RECENT AS XX/XX/21 AS BEING LATE. THESE ACCOUNTS HAVE BEEN CLOSED FOR YEARS. Either included in my BANKRUPTCY, AGED OUT or AGING OUT. NOT ONLY ARE THEY REPORTING THESE ACCOUNTS WITH MONTHLY LATE PAYMENTS, THESE ACCOUNTS ALSO SHOW IN MULTIPLE COLLECTIONS. THIS HAS HAD A TREMENDOUS NEGATIVE IMPACT ON MY CREDIT REPORT FOR THE PAST 5-7 years. I HAVE CALLED, WRITTEN, DISPUTED AND PROVIDED DOCUMENTATION AND NOTHING HAS BEEN DONE. Every time I try to resolve the issue it gets worse! I have contacted your department multiple times. I have also contacted the various CREDIT COMPANIES and FILED DISPUTES AND NOTHING IS BEING RESOLVED. XXXX XXXX XXXX, XXXX AND ALL SYNCHRONY BANK ACCOUNTS and OTHER CONTINUES TO REPORT MONTHLY WITH HAVING LATE PAYMENTS ON CLOSED ACCOUNTS THAT HAVE NO ACTIVITY OF ANY KIND BECAUSE THEY ARE CLOSED, IN ADDITION TO HAVING THE SAME ACCOUNTS IN COLLECTIONS. DOUBLE NEGATIVE REPORTING ON CLOSED ACCOUNTS. THESE ACCOUNTS HAVE BEEN CLOSED FOR 57 YEARS. THEY SHOULDNT BE REPORTING ANY ACTIVITY IF ANY KIND.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance regarding an incorrect account appearing on my credit report. This issue has harmed my reputation as a customer, and I need your support. These accounts should be removed because they have been reported incorrectly and unfairly.
Product: Credit reporting

I would like to have my credit report updated because the listed judgements, which were filed by XXXX in XX/XX/XXXX with a case number XXXX and XXXX filed in XX/XX/XXXX with case number XXXX, were settled and paid in full by my lawyer in XX/XX/XXXX. I have attachments that reflect that these items were paid and closed as part of my settlement. I am in the process of applying for a mortgage and the items do not reflect correctly on my credit report, and this is preventing me from moving forward with my credit application. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2015 I had financed a 2015 XXXX from XXXX XXXX through this bank. However afterwards problems of fraudulent activities was revealed and this particular vehicle was proven to be no good and XXXX XXXX settled. In the meantime the vehicle was repossessed. However when a recent credit report was done a {$20000.00} Loan showed up as default in which is way over 7 years old. XXXX XXXX XXXX XXXX was contacted and absolutely nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car note with XXXX XXXX in XX/XX/2020. However, since that time they have actually been reporting that my account has been late, and still show that I have a balance owed. I even have a letter directly from XXXX that shows I have no balance left on this account, and that it was paid in full in good standing. I am not sure what the problem is in regard to why XXXX is unable to report this account accurately, but I have now waited nearly 4 months for their company to properly update my credit report. The account number is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the removal of certain unauthorized inquiries from my credit report. Upon thorough review, I have identified two inquiries that were conducted without my consent, and I have no recollection of engaging with the respective creditors. 

The unauthorized inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I must emphasize that neither XXXX nor any other credit bureau have listed this inquiry on my report. I urge you to confirm this deletion with the bureau. Failure to do so will leave me no choice but to pursue legal action against your bureau through a lawsuit. Additionally, there are incorrect dates showing on my transitions, further verifying my claim that I did not apply for the hard inquiry. 

It is imperative to rectify this matter swiftly to maintain the accuracy and integrity of my credit report. Neglecting to address these unauthorized inquiries promptly may compel me to take legal action to safeguard my rights under the Fair Credit Reporting Act ( FCRA ). 

I trust that your agency recognizes the gravity of this situation and will take immediate action to rectify it. By expunging these unauthorized inquiries, you will fulfill your obligation under the FCRA and demonstrate your commitment to providing accurate and dependable credit reporting services. 

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorized inquiries from my credit report. Your cooperation in resolving this matter promptly is greatly appreciated. 

SincerelyXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Once I paid this debt the Wells Fargo agent agreed to take the bad debt off credit report. The debt is still on my credit report and it is affecting my credit score.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX However XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I had XXXX XXXX XXXX XXXX account investigated in XXXX 2015. After the investigation was completed this account was removed from my Equifax Credit report. I just checked my credit report today and that same account is reporting again. Why do consumers have to go through investigating information on our credit reports and then in a couple of months the information that was deleted appear back on the report.
Product: Debt collection

Company is trying to collect on a debt that is not owed. Information they have on file is not correct! 

Address on file is not mine! I do not live in that area! 

Debt is not mine
Product: Credit card or prepaid card

I got a paper in the mail today XX/XX/XXXX from Synchrony home saying i have a account open ending XXXX which i had no knowledge of. It was also opened with my old last name XXXX. My last name changed to XXXX XX/XX/XXXX. I went to there website and the only directions they gave were to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was using my XXXX credit card for renting a car. I didnt have a working car I took XXXX from my home to the rental car company. The amount of the rental was XXXX and all the people in front of me their deposit was XXXX plus rental fees I only had XXXX available in my account at XXXX so I transferred XXXX dollars from my checking to my credit card to give me enough to cover the rental. I wanted to use my XXXX Visa card because it covers my insurance on the rental. When I went to pay the counter person said I needed to cover XXXX with a XXXX dollar security deposit. I questioned why everyone else was only paying XXXX dollars. He told me because the car was being provided by the insurance company. Mine was XXXX. I was XXXX dollars short on the amount available on my credit card I tried to transfer another XXXX to the card from my XXXX checking account. It would not accept a second traction from the same account the same day. I called the bank and spoke to a manager about helping me. They said they couldnt do anything I couldnt even pay cash at the bank to enlarge my usable money avail for the rental. It was only XXXX dollars. The bank representative said he could try to increase my credit line on the credit card I told him I only wanted enough to cover my rental he put it in for XXXX dollar increase. He came back and said they wont increase my credit line at this time. I used a different credit card and was able to get my rental. A few days later I got notified my credit score changed. I looked on my scores on XXXX  and experion my credit score had dropped 35 points for the hard pull on my XXXX credit card account. This is nut it took me a year to get my score over XXXX and now when I needed a score over XXXX to rent a apartment my score dropped 35 points.
Product: Debt collection

Van Ru Credit Corporation engages in robo calls to my land line every day between XXXX and XXXX. Caller says they are collecting a debt and to call immediately. The calls disturb my XXXX parent. No one in my household has any debt whatsoever. This company is attempting to obtain personal information through fraudulent means.
Product: Credit reporting or other personal consumer reports

I have student loan debt from attending XXXX school at XXXX  XXXX XXXX XXXX and XXXX XXXX. I have been practicing as a XXXX XXXX XXXX XXXX since XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and due to my student loan debt of {$54000.00} being reported by XXXX to XXXX, TransUnion, and XXXX, I am not able to purchase a home or consolidate my debt because my debt to income ratio, is too high. My student loans are in good standing which should be a positive rating, deflected on my credit report ; however, it is not and as a result I am being discriminated, against when attempting to buy a home. I feel this is unjust, unfair treatment to receive especially when I am a XXXX XXXX. I am an essential personnel within the XXXX XXXX. I sacrifice my love for my job and have to rent an apartment in an urban community because of my student loan debt being reported as such.
Product: Debt collection

This is not my account I did not open this account. I was XXXX to the XXXX XXXX with the XXXX during this time. This is not my bill. I did not open this account. We never receive a bill. What address was used to open this account? I refuse to pay for something that I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is a publishing company that is in the game of advertising on peoples Credit Worthiness or reputation as defined as XXXX. TransUnion is in fact reporting/Advertising negatively, inaccurately on my credit card as defined by congress which has put me in financial hardship that has not allowed me to use my open end credit plan. 15 USC 1602 ( l ) : means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This has been an ongoing problem for more than 2 years now. I have not asked for anymore reinvestigations but for TransUnion to show me permissible purpose that they have to report on my credit card. They have no consent and we are not engaged in contract to report on my likeness. No consent is identity theft. Today I have mailed an Affidavit of truth showing proof that TransUnion is in fault for completing reinvestigations without my consent. 15 USC 1681d ( D ) ( 1 ). They have never had my consent to report anything on my likeness which is a violation of 15 USC 1681b ( 2 ) : in accordance with the written instructions with consumer who it relates. I have no more time to waste with frivolous reinvestigations when TransUnions does not do investigations in accordance with congress 15 USC 1681a ( e ) information on a consumer are obtained through personal interviews with neighbors, friends, or associates of the consumer reported on. They have never taken the proper channels to investigate properly. This a request for a immediate deletion of the alleged bankruptcy on my profile
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been closed for 7 years and shouldnt be reporting to the bureaus any longer. It was paid in full and closed with no issues and is showing as derogatory on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX Balance : {$640.00} ; XXXX Balance : {$430.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The debt was disputed long time ago. I have no any negative report on my credit report. I am disagree with their action and I can't believe CFPB closed my account with little response from portfolio recovery. Shame on all of you. Due to unfair situation I had a XXXX XXXX and I was at the XXXX I wouldn't XXXX  quite even if it end up to have worst scenario in my life. 
This is related to portfolio recovery associates LLC
Product: Debt collection

My supervisor revived a letter claiming it was a garnishment but it was from a collection agency called XXXX. I have never heard of this collection agency and this debt isn't even on my credit report.
Product: Debt collection

This company calls a lot .The name of the company is Portfolio Recovery.
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 XXXX 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 a account without my written instructions.
Product: Money transfer, virtual currency, or money service

In XXXX of 2023, I took out a signature loan with my bank to do a consolidation and pay off credit cards. XXXX of these credit cards was for XXXX XXXX XXXX. I was under the impression that the balance was paid off until I closed my account and realized that automatic payments were failing and I began receiving calls from XXXX, the bank through which I had the XXXX XXXX XXXX card, stating that I was past due on payments. 

I investigated with my bank and discovered that the cashier 's check was sent to the wrong bank and was eventually processed by Bank of America. I attempted to resolve the matter with them but, having no account information with them, they were not able to help me or provide me with information regarding where the funds were applied. This is especially egregious because I have no account with Bank of America, either for personal banking or a credit card.