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

Dear CFPB Representatives, I am writing to file a formal complaint against Experian, Equifax and Transunion for the improper reinsertion of a previously deleted account into my credit report. The account in question is XXXX XXXX XXXX XXXXXXXX, which was removed following a successful dispute and has now been reinserted without complying with the requirements set forth under the Fair Credit Reporting Act ( FCRA ).

Details of the Violation : 1. Failure to Provide Required Notification : Under FCRA Section 611 ( a ) ( 5 ) ( B ), credit bureaus are required to notify me in writing within five business days of reinserting any previously deleted account. I have not received any such notification regarding this reinsertion. 
2. Lack of Verifiable Documentation : The FCRA also mandates that any reinsertion must be supported by verifiable documentation from the information provider. To date, no such documentation has been provided to me.

3. Violation of Data Accuracy Requirements : Under FCRA Section 623 ( a ), information furnishers are required to ensure that all reported data is accurate and complete. In this case, the information appears to have been reinserted without proper validation or correction.

4. Failure to Meet Permissible Purpose Requirements : Under FCRA Section 604, all information included in a credit report must meet a permissible purpose, as well as be valid and relevant. The reinsertion of this account does not comply with these provisions.

5. Lack of Transparency : Under FCRA Section 609 ( a ), I am entitled to receive all information used to justify the reinsertion, including details of the source that provided the information and any proof of validation. This information has not been disclosed to me.

Personal Impact : The reinsertion of this account has negatively affected my credit report, lowering my credit score and limiting my ability to access financial products. Additionally, this situation has caused undue stress and inconvenience due to [ name of the credit bureau or information provider ] s failure to comply with the law. 

Requested Action by the CFPB : 1. Investigate the improper reinsertion of the account XXXX XXXX XXXX XXXX XXXX XXXX. Require Experian, Equifax and Transunion to immediately and permanently delete the account from my credit report.

3. Ensure strict compliance with the FCRA, including the obligation to notify and provide verifiable documentation before any future reinsertion.
Product: Credit card

Received a 1099-MISC for a credit card spend-based sign up bonus which also does not match the value of the rebate received. This goes against standards on such debates. 

Based on XXXX. XXXX XXXX XXXXXXXX This private letter ruling made clear that credit card sign-up bonuses are considered rebates and are not taxed because their receipt is conditioned on spending a certain sum. In other words, they are effectively a percentage rebate on spend I am requesting an explanation for the discrepancy to understand why i am 1 ) being 1099 for a SUB that required spend, and 2 ) why the amount doesn't match the value received and 3 ) a corrected 1099 zero-ing out the rebate.
Product: Credit reporting or other personal consumer reports

[ XX/XX/XXXX ] [ Jefferson Credit Systems ] Attn : Billing Inquiries Dear [ Contact Person or Billing Inquiries Division ] : I am writing to dispute a charge of {$1500.00} on my credit account dated XX/XX/XXXX. This charge is in error because it resulted from identity theft, and have since returned the vehicle, which should void all related charges. 

I request that you correct this error, credit any finance or other charges associated with the disputed amount to my account, and provide me with an accurate statement.
Product: Credit card or prepaid card

I called Chase Bank in XXXX about a credit line I had started on my business account because I couldn't make my credit card payments at the time and explained my financial situation, I've been in severe debt and unable to make any payments for the past few months and had an overdue amount. They told me over the phone that if I made scheduled payments of XXXX per month, I could avoid additional finance charges. I still have additional late fees and charges racking up to the tune of XXXX dollars a month. I called in and was told that I had misunderstood what the scheduled payments were for. The implication from the first call was that this was the minimum to avoid additional charges, and it isn't very clear to me why they would schedule these miniscule payments at all if this was the case. Now I'm going to have to struggle to pay off the overdue amount to avoid additional charges and have to pay another month of interest on that amount. I feel really deceived, patronized and confused.
Product: Debt collection

I alerted Sunshine XXXX XXXX that the debt they are trying to collect is not valid. They are attempting to collect payment for fraudulent charges in the amount of {$190.00} from XXXX XXXX that were investigated by my credit card company ( XXXX ) and resolved in my favor. I provided Sunshine with evidence of the resolution from my credit card company and they are still attempting to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX Original creditor XXXXXXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing is that M & T Bank is being unreasonable. I recently reviewed my credit report and found that M & T Bank were reporting inaccurate data. As a result, I disputed this erroneous data on XXXX XXXX by providing both up to date information and my detail request, clearly stating what I needed checked and rectified for my report to be 100 % accurate and verifiable. 
I was surprised by M & T bank that even after providing all the details that I did, until now they are in violation of the California Credit Reporting Act, which requires that an account be marked as disputed after a creditor receive notice of a client 's dispute. They have failed miserably to mark the account as disputed by client. Which clearly states that they did nothing in as far as investigation of my dispute is concerned. 
I am already in talks with my attorney in regards taking legal actions against M & T. Please see attached here with : 1. My dispute I sent to M & T on XXXX XXXX 2. My screen cast of my recent report without the client dispute remark 3. My small claim form- SC-100
Product: Debt collection

I am filing a formal complaint regarding an erroneous debt collection entry by Reliant Capital Solutions on my credit report. In response to my initial request for a debt validation, Reliant Capital Solutions provided an unsubstantiated document that fails to qualify as a legitimate validation under the Fair Debt Collection Practices Act ( FDCPA ). The document merely lists a debt amount without any contractual agreement or evidence of my authorization of this debt. 

Additionally, this document incorrectly references an address where I have never resided. Despite lacking any legal grounds or contractual evidence linking me to this debt, Reliant Capital Solutions has refused to remove this inaccurate entry from my credit report. 

I request that this entry be removed immediately, as it negatively impacts my credit profile. I expect a thorough investigation and prompt resolution to prevent further damage caused by this baseless claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to fix and raise my credit score to get a better interest rate for a home mortgage loan. I got a secured credit card from Bank of America a year ago with a {$1000.00} limit. I was getting a high balance reporting to the credit bureaus, so I raised it to {$5000.00} two months ago in may. The credit bureaus indicated with a higher credit limit better chance to get a higher score on my reporting, along with paying down any balance on XXXX before the billing statement that is generated on the XXXX of each month this would reduce the high balance. I then raised it again to XXXX the max it would allow me. I found out Bank of America was not reporting on the XXXX of each month on time as they indicated. I get weekly statements from XXXX and called in to see what is happening? They stated bank of America has not being reporting on time for the last two months? to get me my current score with the additional increase of {$10000.00} limit? I called in to complain two months ago about there reporting and again on XXXX.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a target credit card many years ago. I was going over my credit report with my XXXXnancial advisor. We agreed that {$37.00} dollars was a petty charge-off and I should have paid it a long time ago. When I contacted the XXXX customer service line the representative informed me the report was inaccurate. She said a part of the payoff agreement was any late fees would be waived. She said the fees had never been waived. Target has contributed to the obstacles I have faced while trying to re-establish myself after a traumatic experience. I asked if I could have some type of confirmation of what we discussed, she told me that they didn't have a way to give me any confirmation that my account was paid off four years ago. The rep told me the pay-off will be reported the next time the company reported to the credit bureaus. 

I have tried to contact Target RedCard, but I can not get past the part of the automated system that asks me to dial my card number and press pound. I don't have a card number. I do not have an email address that works for me to reset my password to access my account.The carelessness of how my account was handled makes me feel like I was a victim of name and race discrimination by one of my favorite retail places.

I just spent {$200.00} in Target for house supplies and my XXXX XXXX XXXX effort to support pet abuse in the past week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - I already disputed this account and filed a complaint thru FTC last XX/XX/2021 and this account was removed from my credit reports. The said previously disputed account was XXXX XXXXs XXXX and was deleted from my credit reports as a fraudulent account. However, when I got my monthly updated credit reports last XX/XX/2021, a new negative account appeared in my reports under the name of XXXX XXXX with the same account number XXXX. So the same XXXX account re-appeared in my reports. I want this to be removed as it is very illegal to add on removed fraud accounts. I have contacted them before to demand validation of the said account and have it closed but they give me the runaround every time and I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! I have sent multiple complaints requesting a full investigation of these accounts however I have not received any proof that this investigation was completed. I have attached my credit report as of XX/XX/2022 comparing all 3 bureaus showing each discrepancy.

1. ( XXXX XXXX XXXX XXXX XXXX Account # : XXXX This account contains incorrect information in regard to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof 2. ( XXXX XXXX XXXX XXXX XXXX XXXX This account contains incorrect information in regards to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, my XXXX XXXX engine went out while my wife and children were traveling from XXXX headed to XXXX. The local tow truck to a garage where the mechanic diagnosed the vehicle and said itd cost way too much to fix given the value of the car and how much was still owed on it. An economical decision was made to relinquish the vehicle to XXXX XXXX. They sent mail stating theyd keep the vehicle if I couldnt pay it off ( as if that made sense as I told them why I relinquished it to them ), keep the promissory note, and furnish the repo onto my report. They did not disclose I had to consent and state I wanted the repossession reported. XXXX XXXX also reported multiple late payments which violates XXXX5 USC 1681a ( 2 ) ( a ). My transactions are not supposed to be reported at all, good or bad. I believe XXXX XXXX wanted to willfully injure me. They never responded to my response and have continued to call harassing me. The initial letter had a threatening tone to it. The reps that called and those who answered when I reached out with concerns were also snippy. If that has any relevance. 

The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.
Product: Debt collection

I spoke with someone representing the company Bridgecrest on several occasions and told them not constantly call all day and night. They call from different numbers back to back. They aggressively call my place of employment informing them of my personal business pertaining to the vehicle and demanded to speak to me. They are constantly harassing me morning and night even after making payment arrangements. It 's very stressful and humiliating.
Product: Credit reporting or other personal consumer reports

I dont speak english very well, upon me pulling nmy credit reports i notuce some credit cards and loans on my crdi repots that i did not open
Product: Debt collection

I am deeply dissatisfied with your failure to correct and remove inaccurate, incomplete, or unverifiable information from my credit report despite numerous requests and evidence provided. This negligence directly violates my consumer rights and calls into question your bureau 's integrity. 
I demand immediate action to rectify this situation and ensure that my credit report reflects accurate and verifiable information. The following accounts are reporting inaccurately and must be deleted promptly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the reported bankruptcy ( Bankruptcy XXXX XXXX XXXXXXXX Reference : XXXX ) is inaccurate, as no case was tried or seen, and no judgment was made. Please remove this account immediately.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXXXXXX Balance Owed : {$310.00}
Product: Checking or savings account

Tailor brands has misleading business practices and makes the consumer unaware of what and how much they are paying. My debit card was charged more than I was able to purchase do to the purchase price not being clear. This is clear fraud. I canceled within minutes on their website to to deactivate the account and cancel the purchase. I called but no one was available I sent an email and was told I can not be refunded. I contacted my bank and they were not able to help because they still it was pending. Now I have over XXXX dollar charge on my checking. I would like a full refund.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This debt is XXXX XXXX and this credit card my husband used in XXXX XXXX XXXX XXXX. He passed away on XX/XX/2015. I went through probate and was told I was not responsible for his business cards. I had no business with XXXX XXXX in Minnesota
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the below have have violated my rights, XXXX XXXX  XXXX Account Number # # # # # # XXXX. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX has a fraudulent accounts on my credit profile that needs to be removed immediately. Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a numerous amount of dispute letters to Equifax about  XXXX   XXXX   XXXX  whom is collecting a debt for a company I does not recognize   XXXX   XXXX   XXXX   XXXX  . I written to ask Equifax that i have never had a account with   XXXX   XXXX   XXXX   XXXX   and I would like for documentation that shows that I had a account with this company but Equifax email me stating that this account was VERIFIED which does n't prove that i had an account with this company. The collection agency in which trying to collect this debt is unfairly stopping me from improving my credit by reporting unfairly to Equifax stating I owe  XXXX  the amount {$1500.00} and I have no knowledge of having an account with this company.
Product: Vehicle loan or lease

I HAVE LATE PAYMENTS incorrectly reporting on my credit report and want them to be removed immediately, I understand that failure to investigate these accounts, within a period of thirty days will results in " NON verification " which requires that thee late payments be removed from my credit file
Product: Credit card or prepaid card

Despite the fact that I responded to CapitalOne regarding dispute # XXXX and submitted requested documents on time, they paid {$530.00} to XXXX XXXX who fraudulently charged my credit card for a service they did not provide. XXXX XXXX provided no proof to CapitalOne that they paid {$530.00} dollars to transport my vehicle to Florida as they claimed ; yet CapitalOne paid them and refuses to credit my account. 

Enclosed you will find an email where XXXX acknowledges that the job was cancelled ; yet they refuse to credit my account. After filing the dispute with CapitalOne, XXXX reported fraudulent statements claiming that I signed documents I did not sign, and claiming they paid {$530.00} dollars to a hauler they did not pay. I have enclosed a copy of a postal money order receipt showing that I was the one who paid the hauler. I have also enclosed snapshots of a text message proving I cancelled the job.
Product: Mortgage

My husband and I had a loan with Citibank that was paid off in a short sale in XXXX 2011. 
Recently we attempted to obtain a new mortgage and were told that Citibank has been reporting us delinquent every month since XXXX 2011 and as recently as XXXX of this year. 
I have contacted Citibank dozens of times, sent pages and pages of documentation, talked to multiple service reps and they all say that they will get this corrected. It has been many months as recent as today, it is still on our credit report. Please help us to get this issue resolved. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -ACCOUNT XXXX  XXXX # XXXX The above accounts that is currently reporting to my credit report is holding up the process of me buying a new home.The accounts is FRAUDULENT and UNAUTHORIZED. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -ACCOUNT XXXX XXXX # XXXX The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPAXXXX.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account XXXXXX/XX/XXXXXXXX address all fraud accounts id theft data breach