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

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

DIVERSIFIED ADJUSTMENT ( XXXX  ) Account # XXXX U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00}
Product: Credit card or prepaid card

I made a reservation for a vacation rental specifying a first floor ocean front with a heated swimming pool and used my CHASE credit card. 

Transaction Post Date : XX/XX/XXXX & XX/XX/XXXX Merchant : XXXX XXXX XXXX Transaction amount : {$200.00} & {$810.00} XXXX called me 2 days before the XX/XX/XXXX arrival date and informed me that the heated pool was not repaired. I asked them to move me to a unit that met my specifications but they refused. I called Chase and the representative at Chase told me not to worry about it as I did not have to pay for services I did not receive and to go ahead and use my Chase card to make a reservation elsewhere that met my specifications. Chase than payed the merchant and has now billed me for the canceled rental. I was very clear when I called them that I could not pay for two rooms and asked for advice. They now say that the first representative was in error. I would never have made the second reservation without first getting the OK from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are not allowing me to get my consumer report. I have requested to get a copy but these consumer reporting agencies have not given me full disclosure as to why they are not allowing me access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes several names that I am disassociated with, or are clearly not my name as well as addresses. I would like them permanently deleted as I do not utilize these names, phone numbers, or reside at these addresses except one. I also am trying to delete the several phone numbers on my reports as I have had lost/stolen phones over the years and my personal information being used linked to those addresses as well as phone numbers. I have 1 name, 1 phone number, and 1 address that I use and reside. These appear on XXXX, Equifax, and XXXX.
Product: Credit reporting or other personal consumer reports

I have been disputing this completely fabricated " collections account '' with XXXX and TCS Thunderbird Collections for years. XXXX keeps checking with Thunderbird Collections and Thunderbird Collections says its valid. 
I suspect tbird collections is being given whatever info XXXX XXXX still has on their computer. They are NOT validating the debt. 
WHAT are the charges for? I was not evicted from XXXX XXXX. My rent was paid, every month, up to and including the last month I was there. 
XXXX XXXX decided not to renew my lease. This debt says it originated in XX/XX/2019. For what??
Product: Credit reporting or other personal consumer reports

I have several inquiries in all my reports that have not been authorized. I have attempted to write and contact all the bureaus without any luck in solving the situation.

I am here writing all the inquiries done on all my reports separately. 

XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX  Date : XX/XX/XXXX 4. XXXX XXXX XXXX Date : XX/XX/XXXX 5. XXXX XXXX  Date : XX/XX/XXXX 6. XXXX XXXX XXXX Date : XX/XX/XXXX 7. XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX 8. XXXX XXXX Date : XX/XX/XXXX 9. XXXX Date : XX/XX/XXXX 10. XXXX Date : XX/XX/XXXX 11. XXXX XXXX Date : XX/XX/XXXX 12. XXXX XXXX  Date : XX/XX/XXXX Equifax : XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 4. XXXX  Date : XX/XX/XXXX 5. XXXX Date : XX/XX/XXXX 6. XXXX XXXX  Date : XX/XX/XXXX 7. XXXX Date : XX/XX/XXXX 8. XXXX  Date : XX/XX/XXXX XXXX : XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX  XXXX Date : XX/XX/XXXX 4. XXXX Date : XX/XX/XXXX 5. XXXX XXXX Date : XX/XX/XXXX 6. XXXX Date : XX/XX/XXXX 7. XXXX Date : XX/XX/XXXX 8. XXXX XXXX Date : XX/XX/XXXX 10. XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury
Product: Payday loan, title loan, or personal loan

I have called back in 2020 to work on this account with MARINER FINANCE. I was going through hardship due to the pandemic. The customer rep at that time was very rude and disrespectful towards me. He requested the full amount. I called again today XX/XX/XXXX in regards to settling the account. This account ( XXXX ) was charged off as bad debt and I was advised that it was sent to the attorney. The representative at XXXX XXXX stated that they were going to garnish my wages, however, I was NEVER SERVED and I haven't received anything in the mail from Mariner finance. I am highly upset because this is legal especially if I was not served. They have added triple interest and added additional fees. They scammed me. They are reporting inaccurate balances and past due balances and last date of activity on my credit profile. Please see the attachment.
Product: Credit reporting or other personal consumer reports

In the scenario you've described, it seems that there are serious issues with inaccurate reporting by the consumer reporting agencies. Here 's a revised version of the response that brings up the relevant XXXX XXXX, failure to provide proof on previous disputes, and includes an invoice for damages with a demand for payment within 30 days : Subject : Formal Complaint Regarding Inaccurate Reporting and Violations of Consumer Rights Dear [ Consumer Reporting Agency ], I am writing to address the ongoing inaccuracies in my credit reports and the violations of my consumer rights by your agency. Upon reviewing my consumer reports, I have identified multiple accounts that are inaccurately listed as charged off, namely accounts numbered XXXX, XXXX, and XXXX. This inaccurate reporting is in direct violation of several provisions outlined in the United States Code ( USC ).

Specifically, your agency 's actions are in violation of the following USC codes : 1. USC 15 1681 - Fair Credit Reporting Act ( FCRA ) : This federal law mandates that consumer reporting agencies maintain accurate and fair credit reporting practices. 

2. USC 15 1692 - Fair Debt Collection Practices Act ( FDCPA ) : This law prohibits abusive, deceptive, and unfair debt collection practices by debt collectors. 

3. USC 26 6050P - Requirement to File Form 1099-C : This section outlines the requirements for creditors to file Form 1099-C in cases of canceled debts.

Despite my previous disputes and requests for proof of the accuracy of the reported information, your agency has failed to provide the necessary documentation. This failure to comply with the FCRA and FDCPA is unacceptable and further compounds the inaccuracies in my credit reports.

Moreover, I have suffered significant damages as a result of these inaccurate reports, including but not limited to lost opportunities, increased interest rates, and mental distress. Therefore, I am attaching an invoice detailing the damages incurred, totaling [ Amount ] USD.

Per the provisions of the FCRA and FDCPA, I demand that your agency rectifies these inaccuracies and provides me with a corrected credit report within 30 days of receipt of this complaint. Additionally, I expect full payment of the damages outlined in the attached invoice within the same timeframe.

Failure to comply with these demands will leave me with no choice but to pursue legal action to enforce my rights under the aforementioned USC codes. I trust that your agency will take this matter seriously and act promptly to resolve these issues. 

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

Date : XX/XX/20 Re : reporting fraudulent information XXXX ChexSystems, Early Warning Services I requested to open a bank account on numerous occasions I was denied due to check systems. I have disputed several other accounts that they have removed but are refusing to remove the other two that are not mine also, I contacted them and provided them that I wanted them to investigate and provide proof that I open the account within 30 days or to remove it from my credit file. They did not do that in fact they just sent me a letter stating that the bank verified that the account was mine which is not providing me proof that the account is actually mine anyone can open an account online. What is a victim of attorney theft I did remove the security freeze off the account so I can open an account. I have been disputing these transactions and accounts for over two years now previous to this I was incarcerated in a state penal institution they received mail for me from the correctional institution stating that there was accounts being opened and they were not me they initially placed a security freeze on my account but failed to remove the incorrect fraudulent information obtained in their credit report. 

I tried to work with them on numerous occasions to fix this they do not want to they continue to say that the accounts were verified which that can not be possible if I was in a state panel institution I also sent them a copy of my booking history which shows what days and dates I was in XXXX XXXX. 

Continue to fight with these people about the incorrect and inconsistency in my name and address most of the addresses and names that they have are not mine nor the phone numbers I tried to get them to update that and they failed to do so they keep reporting false fraudulent information and its affecting me I will take legal action if they do not remedy this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX
Product: Checking or savings account

USAA has illegally held my funds since before XX/XX/XXXX and will do so until XX/XX/XXXX its over {$5000.00} Ive executed every angle and every rep tells me a different story Then I speak to both the fraud department and I got a call back from the manager request this past Monday to tell me they were sorry and were going to expedite the closure of my account and send my check I call today to find out it was all XXXX  Ive called a record of 56 times I have driven 3 hours and waited in line for two hours just to get nowhere Im sick to my stomach in debt because of this Im about to lose everything because of USAA and their XXXX  I have no documents and no letters in the mail stating any of this I want my money because I need it now please help me My mother passed away yesterday I need my money for her funeral and I can prove everything I say and everything they have done and all the recorded conversations
Product: Credit card or prepaid card

Barclays are harassing me by robocalling and hanging up upon answer. Violating tcpa laws as well. I did not consent to robocalls
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX/2023 XXXX  XXXX XXXX2023 XXXX XXXX XXXX XXXX/2023 XXXX  XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX  XXXX XXXX/2023 XXXX  XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX, XXXX XXXX/2023 XXXX XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX/2023
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in TransUnion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts
Product: Debt collection

I have an old account closed by XXXX XXXX and sold to a third party debt collector Midland Funding LLC who has forwarded the account to their legal department. 

This company has violated my rights under the FDPCA. I was informed by a friend that someone impersonating either law enforcement or some sort of legal entity came to their home at XXXX XXXX XXXX XXXX in XXXX GA with papers threatening to arrest me, harassing the individual as to whether I live in the home ( which I do not and never have ) and divulged that they were doing this to collect a debt. The friend called me immediately to tell me about the situation. He stated they badgered him accusing that I did indeed live there and he needed to give them more information on my where abouts, place of work and what time Id be home for someone to return. 

At no point and time since this account has been sold from XXXX XXXX to this third party collector, have they tried to contact me. And their methods have directly violated my rights and several issues with following compliance laws under debt collection practices. 

Initially I was even unaware that it was not a XXXX XXXX, and filed my original grievance against them. XXXX XXXX emailed me to state that they no longer own the account and were not responsible for the actions stated.
Product: Credit card or prepaid card

My XXXX Credit Card Accounts issued by Comenity Bank was closed without any notice or explanation. I did not request this closure, my account was in perfect standing with a credit limit of 1900 no history of missed payments. My account was current, and I never missed a payment. I opened this account in XXXX of XXXX and the account was closed by Comenity without explanation on XX/XX/XXXX. This has negatively impacted my credit history greatly as this is one of the longest and best standing credit accounts I had on my credit history.
Product: Credit card

On XX/XX/XXXX XXXX phone services put a charge through on my card. I no longer use their services, and tried to cancel through XXXX and they told me there was nothing they could do to refund my money. I called Netspend, my card company and explained to them the problem, they opened an investigation and my money was returned, I was assured they, XXXX, would not be able to do it again. Well they have done it again and I can't keep going through this for a service I no longer use.
Product: Debt collection

I got a credit card with XXXX XXXX XXXX in XX/XX/XXXX. I am not sure when they sold it to a collection agency since it's XXXX and they told me XXXX representatives are the same as XXXX. When I called to square up the account they told me '' In XX/XX/XXXX I could pay to remove any negative information on my reports ''. I asked them how much they told me {$210.00}. I paid it and as they said my account became current and I had a perfect payment history on my credit reports. So I refinanced my car loan and got a credit card with XXXX. So in XX/XX/XXXX I had a XXXX  credit score Fico XXXX. XXXX XXXX   reporting 0 missed payments. Then my score drops 130 points in XX/XX/XXXX with negative XXXX XXXX info. Then jumped back up to XXXX   showing again perfect payment history before dropping to XXXX   in XX/XX/XXXX when the collection and failure to pay showed up for the month of XX/XX/XXXX.

First of all the account was paid off in XX/XX/XXXX and in XX/XX/XXXX reported this way, so how I failed to pay in XX/XX/XXXX is not understood.

It now shows paid in settlement for less than the full balance/ charge off collection/ Depending on the time and which report I look at I get changing information and Impossible information, such as a 60 days late the month after a 60 days late.

I wish someone could clean up the mess of a company they are.

I was in good standing with my credit union getting the best pre approvals and app. Now I can't even get a credit card or increase.

I wouldn't have put myself in debt if I knew my credit information could report different inaccurate information. At different times..

So much more to explain how they took advantage of me and said '' good luck in court '' All 's I asked was can we hear the recorded agreement of the pay to remove. Wich I made sure to ask if the conversation was being recorded, so I was told to get a lawyer. Please help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this collection agency has violated my rights under 15 USC 1681 section 602 ; states I have the right to privacy.

15 USC 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose an is reporting an open account with a past due balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three public records that appear on my XXXX credit report. 

One for {$15000.00} for XXXX County Superior Court, which is reporting a balance. This was also remedied under a IRS program. The amount has been satisfied and should not appear on my credit. 

The two items listed under XXXX Magistrate for {$4200.00} and {$5300.00} DO NOT BELONG to me, and should be removed from my profile.
Product: Credit reporting or other personal consumer reports

Can you please delete the follow late payments on the following accounts XXXX XXXX XXXX Account XXXX as this late payment was in error. 

XXXX XXXX XXXX with late payments in XXXX & XXXX 2018 as this account was closed. 

DEPT OF EDUCATION/NELNET with late payment in XXXX of 2018 as this account was deferred and late payment should not have been charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on for about over a year and a half now. Equifax still has not resolved the identity theft. This started when my wallet was stolen. My identity was used to open numerous accounts, Equifax was notified of the identity theft. I have attached Police Reports and Identity Theft Affidavits to the numerous Consumer Financial Protection bureau complaints. Equifax refuses to read the Law enforcement documentation provided in my CFPB Complaints. When I call up they Force me to verify fraud on my Equifax report as if it were my accounts or they won't speak to me. These are not my accounts. I am going to list off the things Equifax refuses to block even though they were notified and provided the proper law enforcement documentation clearly describing the crime that took place. Equifax refuses to resolve this ongoing fraud situation. In addition to that Equifax still has my wrong address after being notified over 15x. First thing is I have never opened any accounts with XXXX. This account is fraudulent, not authorized and I never received the card. Secondly, The XXXX XXXX XXXX XXXX account which is a credit card account shows as XXXX limit. This account is fraudulent, The limit is incorrect also I spoke to this institution which advised me the limit was supposed to have been {$15000.00} when I advised them of the fraud they say they resolved this and sent info to the credit bureaus to delete this however Equifax refuses to delete it. Third. XXXX 's XXXX XXXX. I have not authorized any accounts with XXXX XXXX XXXX XXXX, In fact the last payment made was made from a person named XXXX XXXX, and Their banking institution told me that that credit card ended up being fraudulent too. Obviously I am not receiving anything from this company this is clearly fraud wasn't even opened in my name. Please Block this account. I did not authorize it. Lastly there is accounts from XXXX XXXX, and XXXX these are fraudulent accounts. I did not authorize any auto loans with XXXX XXXX, I did not authorize membership with XXXX XXXX I never signed anything for XXXX XXXX, never received any documentation from XXXX XXXX and never authorized any accounts to be opened with their institution. The line of credit, and Auto loan you show are fraudulent. In addition to that there are two Installment loans showing for a XXXX. I did not authorize these to be opened. I do not have membership to XXXX it requires you to be part of the military or in a military family. Which I am not. So clearly I couldn't obtain membership there because I wouldn't be able to qualify. I did not open these accounts these are again the result of identity theft. All of these accounts were opened after my wallet was stolen and my identification was stolen. Equifax refuses to block these fraudulent accounts. Also Equifax is reporting an address I don't live at. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX this is not my address. In addition to this Equifax supplies this information to XXXX, Which is reporting this fraudulent information as well and has not worked with me to resolve this crime.