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

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly and accurately report this account and your neglect has violated my rights. I am demanding a deletion of the following account. 

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

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a Accounts : XXXX XXXX Balance : {$770.00}, XXXX XXXX Balance : {$340.00}, XXXX CARD XXXX Balance : {$2200.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that these accounts will be CORRECTED.
Product: Debt collection

In 2015 I fell victim to an online payday lender, XXXX. This company is owned by the Blue Chip Indian tribe and was a scam. Neither XXXX or Blue Chip are licensed in the state of CA therefore, any and all loans or agreements are null and void. 
I received multiple calls and was harassed at work by XXXX, until I made them aware that they are not licensed and they need to cease and desist. 
The calls stopped and I had not heard about them until recently. 
I checked my credit report as I had been being turned down for things and I noticed my score dropped. XXXX XXXX sold this illegal debt to a company named XXXX XXXX XXXX - I immediately initiated a dispute with the credit reporting agencies, and I also emailed the owner of XXXX XXXX XXXX. I let her know this debt is illegal and it is illegal for her to be reporting it on my credit report. She would not give me their license number either, and kept giving me the runaround. When I asked more questions she stated she would not longer email but would speak with me on the phone due to me threatening her. I was n't threatening anyone. I was exercising my legal rights. I need them to remove the illegal debt from all of credit reports and not to sell it to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bank, Comenity Capital Bank, has been harrassing me since the last year when I closed the account with them. I made the last payment of {$100.00} and request to close the account on XX/XX/2022. 

Since then they are still and continually harrassing me with late charges, even though, I request the closure of the account. 

Im tired of this situation. Previously to this, I filed bankcruptcy and this bank was included in the bankcruptcy. They all the time are over me harrassing me. 

Please intervene so they stop this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all three credit bureaus, XXXX, Equifax, and XXXX to inform them of the unauthorized credit inquiries, after several attempts they would not remove them. Unathorized Inquiries and Dates of Inquiries 1. ) XXXX XXXX-XX/XX/XXXX 12 XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 2. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX 3. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX 4. ) XXXX XXXX XXXX-XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 5. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 6. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 7. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 8. ) XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 
I entered a consumer credit transaction with the following companies : XXXX XXXX and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA.

I pulled my credit report and disputed items on my report to XXXX, XXXX AND TRANSUNION. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 
In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.
Product: Credit reporting or other personal consumer reports

on XXXX XX/XX/23 i had received my credit report and noticed that there were multiple inaccurate information in my personal information section. Due to the concerns of Identity thief of which I had experience in the past, I requested for all inaccurate information be remove only leaving 1 name, 1 Address, 1 phone # to assure that my personal information would not be leak. I submitted a dispute this with Experian Report # XXXX! and on XX/XX/23 a resolution was posted, and my account was updated and the incorrect names and addresses were removed. On XX/XX/23 a resolution was posted for inaccurate information on my account with XXXX XXXX XXXX. # XXXX and my account was updated. Again on XX/XX/XXXX i had realized that i had was hacked, and in my efforts to trace the hack and change my password to my account, received another credit report and noticed that i had the same inaccurate information previously removed, are back on my report. and multiple late payments were been reported. this had lead my Credit profile to plummet from a XXXX score to a XXXX. I did reach out to my XXXX XXXX and was able to result the matter and all late derogatory was removed. I had done the same to Experian as well and and they have refused to removed the negative marks and also illegally refused to remove the inaccurate information previously removed. they have violated my right in multiple counts Under the Fair Credit Reporting Act 15 USC 1681 15 USC 6801 Protection of none public information 15 USC 6802 Obligation with respect to discloser of personal information 15 USC 1681N Civil liability for willingly none compliance Defamation of Character. Due to this incident i have lost an XXXX account that i am unable to get back because of the effect on my credit scoring and negative marks
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting XXXX XXXX on my credit report its infringement upon a consumers right to privacy pursuant 15 USC 1692
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express stopped reporting my Credit Card that I have had with them since XX/XX/XXXXto the Credit Bureaus in XXXX or so of XXXX. They claimed that it was because I reported this account I have had since XXXX as fraudulent to them. I never made any such claim and clarified the misunderstanding to them. I spoke on numerous instances with their credit reporting division at XXXX and in specific on 4 instances so far have been promised by the manager in their group ( XXXX XXXX ) that this missing account information will be reported to the Credit Reporting agencies starting the month in XXXX, then XXXX, then XXXX etc. However, this credit history has not been reported still to all the bureaus, and the absence of this long standing credit card history account led to a substantial drop in my credit scores ( over 100 points ) - which in-turn has led to tightening of my credit lines by other card companies, and this process has continued to dramatic drop in my credit scores. I have suffered significant financial losses as a result of this uncorrected error by American Express Credit. Furthermore, in retaliation for my repeated complaints to them about the missing information, this week they even closed my Platinum and Personal American Express card within their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # 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: Credit card or prepaid card

I am writing today in regards to my account with Capital One # XXXX. 
A late payment is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile.I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts ' Late payments will be removed. 
XXXX XXXX XXXX Balance : {$310.00}, XXXX XXXX XXXX Balance : {$5700.00}
Product: Checking or savings account

I called navy Federal about the actions that were happening with there process of how this over draft works I contacted the credit union talk to a representative that rolled back one fee and the other fees were charged in the same manner. After asking for a supervisor the supervisor changed the whole synopsis of the account to put it where it made sense of how the fees were generated but not how you persistent occur fees on an account even when you replaced the money and not only has that action been done more than once they even have it on the account them selves stating they gave me a refund saying they charged me even though I had funds in the account. They also said take the money in whole so you won't get a fee but they want you to use the card for the benefit of the credit union
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX REPORT CONFIRMATION # : XXXX CONFIRMATION # : XXXX I have called numerous times to get three accounts taken off my credit report. 
1. XXXX XXXX XXXX , XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, TX XXXX Opened : XX/XX/2019 Amount : {$580.00} ( See copy of enclosed letter ) 2. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX Opened : XX/XX/2019 ( They called my phone asking what credit card I would be using for a payment!!! ) 3. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Opened : XX/XX/2019 These are not my accounts, YET THEY KEEP SHOWING UP INDICATING THAT THEY ARE MINE. THEY ARE NOT!!!! These belong to a lady named XXXX XXXX. My name is XXXX XXXX XXXX. I never go by XXXX, and it's always XXXX XXXX, NOT XXXX. I am told by XXXX that they can not remove them and to contact the companies. The companies tell me to contact XXXX. I am just getting the run around. I recently retired and am in the process of paying off all my debts and having someone else 's accounts on my credit report is not helping!!! I also have alot of hard inquires listed that are NOT mine!!! 
1. XXXX, XXXX. 
2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX First of all, i have NEVER borrowed money at a finance company, nor would I ever step foot in a XXXX XXXX   XXXX.
Product: Credit card

A hard inquiry from Truist bank was put on my credit report on XX/XX/year>. A credit card was opened in my name on XX/XX/year> and sent out. Whoever applied for this account received the card in the mail but couldn't veirfy identity so the card was locked. This account needs to be further investigated and how does someone open an account without showing proper identity?!
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. This account is completely false and unverifiable, and someone misused my personal information and social security number. 

OFFICE OF THE ATTY GEN : # XXXX XXXX U.S.C 1681 SECTION 602 ( A ) : States I have the right to privacy. 

15 U.S.C. 1681 SECTION 604 ( A ) ( 2 ) : States a consumer reporting agency can not furnish an account without my explicit written permission.

15 U.S.C. 1681C ( A ) ( 6 ) : Any other adverse item of information which antedates the report by more than seven years.

15 U.S.C. 1681S ( 2 ) ( A ) ( 1 ) : A person shall not furnish ANY information relating to a consumer to ANY consumer reporting agency if the person knows or has any reasonable cause that the information is inaccurate.
Product: Debt collection

Over 10 yrs ago I originally received a letter stating that I owed a store money via a credit card. I explained to them it was not my debt and requested a signature confirmation. This debt was claimed to have occured in another state where I had never been. They told me no signature was available which I then rewrote to them and said I was disputing the claim. After that, over the next few yrs, I would receive letters from various new debt companies stating I still owed. I would send requests and none of them ever sent me verification. The occurancy of receiving letters did diminish over the years to maybe once a year. Now again, I have received another one, I DO NOT OWE THIS DEBT!
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Regarding Reappearance of Bankruptcy on Credit Report I am writing to lodge a formal complaint regarding a recent issue with my credit report that has caused significant distress and financial inconvenience. Despite having successfully declared XXXX XXXX XXXX  and subsequently having derogatory information related to a mortgage company 's erroneous report removed after intervention by XXXX, I am dismayed to find that TransUnion has re-reported the same bankruptcy status. 

This re-reporting is not only unjustified but also illegal under consumer protection laws. The mortgage company responsible for the initial error has already acknowledged and corrected their mistake, yet I am now unfairly burdened with the consequences of this reappearing bankruptcy on my credit report. This situation is causing undue hardship as it affects my financial credibility and potentially undermines my ongoing financial commitments. 

I request immediate action to rectify this error and remove the erroneous bankruptcy status from my credit report without delay. I urge TransUnion to investigate this matter thoroughly and take swift corrective measures as required by law. Additionally, I request confirmation in writing once the correction has been made and assurance that such errors will not recur in the future. 

Please acknowledge receipt of this complaint promptly and provide a timeline for resolution. I look forward to your swift action in rectifying this serious matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I bought this car in   XX/XX/XXXX   at  XXXX  at  XXXX  of   XXXX   XXXX  , it was financed by  Santander consumer. I still owe this same amount on this car as when I first bought it. I have contacted Santander several o f times about this, and they always give me different reasons why I still owe this amount. I have contacted better business bureau in or on   XX/XX/XXXX  the y have n't been able to help me, I have n't received any result about me paying on this car for 2 years, and I owe the same amount as I purchased it for.
Product: Debt collection

Experian is refusing to reinvestigate XXXX XXXX account that is on my credit report. They have not provided their verification method and they have not provided evidence of how they verified this account, who they spoke to or even if and when they talked to anyone. I have asked for this information several times in the past year. 
I have attached the last letter I sent to Experian in response to their letter stating they would no longer investigate this account. This letter was also sent certified mail. 
It is Experian 's job to make sure my account is accurate and the information listed is verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA SVG BK XXXX this account doesn't belong to me. FRAUD. 

XXXX XXXX XXXX It's fraud account, should be removed from my report immediately.
Product: Student loan

Over the past several years Wells Fargo has tried to charge late fees and other fees on my loans. I fought them because I knew I was n't late and I did n't owe them anything. I was never forced to pay anything after I called and fought them. Although I was called several times on several different occasions about fees I owed them. Also to go along with being told I owe them fees, they would not send me paper statements for almost two years. Their reasoning was that they did n't have a current address but the address had n't changed and was a valid home address. On top of all this my loans have been fluctuated in payments each month, I have a fixed rate. I have had a fixed rate since XXXX. I called and asked why this is happening and they said " Because of new government regulations ''.
Product: Credit card or prepaid card

Barclays Bank has incorrectly posted a 30 day late on my credit and Ive tried everything possible to get them to fix their mistake and every time I have called they have transferred me around from agent to agent, with some calls lasting hours and every time they say it will be looked into and corrected, it never happens! I can not take hours out of my work day waiting for one of their representatives to pick up my calls - and when they finally do, I either get passed around from person to person or simply hung up on. 
Im sure Im not the only one that has had problems with Barclays service. Their repeated failures have had a grave effect to my perfect credit history and is both effected my construction business ( Im not able to open any credit accounts for building materials ) as well as my ability to refinance my home like the majority of Americans have done to take advantage of favorable interest rates. 
I hope your organization can help me ( and others ) who have been forced to suffer at the incompetent hands of Barclays Bank. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I keep freezing my Experian Credit File. Requesting that it only be lifted with the account password mailed ( USPS ) to my house. Experian keeps lifting the freeze to someone through the online website. It has happened 8 or 9 times. As soon as Experian lifts the freeze someone tries to open credit in my name. I have complained multiple times. Experian does nothing about it. It happened yet again today, XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage at the clear violation of credit reporting laws demonstrated by the continued presence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries remain unaddressed. 

Your failure to remove these accounts, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies. 

Furthermore, other credit bureaus have already removed these accounts from their records after the submission of FTC report and thorough investigation. I demand immediate and decisive action to correct these violations. 

XXXX  XXXX XXXX*and XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

. Subject : Complaint Against XXXX for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against XXXX, XXXX, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of XXXX USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Debt collection

No clue who tis company is. According to my credit report their phn number is XXXX and they are located at XXXX XXXX XXXX XXXX XXXX XXXX va XXXX I have NEVER received a letter or a phone call and I have been at he same address for YEARS