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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$19000.00} XXXX XXXX XXXX Account Number : XXXX {$5100.00} XXXX XXXX XXXXXXXX Account Number : XXXX {$4100.00} XXXX BANK Account Number : XXXX {$0.00} XXXXXXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXXXXXX  Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Account XXXX XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$160.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$19000.00} XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XXXXXXXX XXXX Account Number : XXXX {$4900.00} XXXXXXXX XXXX Account Number : XXXX {$310.00} XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$5100.00} XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$160.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a resonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFBP ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable reponses, and failing to adequatelynotify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disouted items despite the evidence I provided, caus8ng ongoing harm to my credit standing. I am requesting immediate corrective action to remove or ammend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

In XXXX, XXXXXXXX XXXX in their merger with XXXX XXXX XXXX to become XXXXXXXX XXXX did not transfer over my automatic bill payment, and it lead to a 30 day credit marker. They settled with me when I filed a law suit in XXXX, which resulted in the credit marker being removed. However, as a result of that ordeal, American Express department for responsible lending immediately limited my credit limit to XXXX from around XXXX despite me appealing the decision. On XX/XX/XXXX, I called American Express to inquire as to if this can be reversed, as it has been two years and the credit marker has since been removed. They said that there is no mechanism to increase the credit limit for my credit card after a limit was placed on a credit card with no pre-set spending limit. I received the run around from three different people at the organization and despite me offering documentation that proved that the credit marker was removed, they refused to accept it. Now, I am limited in my credit by American Express unfairly, and they offered me no solutions to this problem that was not my fault. They failed to offer me any documentation as far as their decision, and why my account remains with this limit imposed when the credit marker is removed.
Product: Credit card

I entered into a repayment plan of {$66.00} a month to settle the charged off/closed Amazon Synchrony store card I opened. Im a XXXX veteran living on 100 % XXXX   XXXX and struggled to meet the over {$200.00} payments Synchrony demanded when the balance became maxed. Synchrony is now sending me emails stating my minimum payments are {$220.00} due by XX/XX/year> even though I have payment arrangements. Unless Synchrony can provide me the original agreement for this charged off account I suspect I dont owe them anything at this point. I have been harassed by random collection calls at all hours of the day several times a day until I told them its my right under the FCRA to not be harassed. I had to get a XXXX subscription and filter all of my calls just to be able to use my phone regularly. I have had several issues like this in the past with Synchrony where their billing systems would create problems or other issues and I would close those accounts due to it. It seems that Synchrony is very predatory and likes to trample on peoples rights while selling them junk they dont need on Amazon then causing them undue strife after communicating that our financial situation was tenous bc they saw that as a weakness to exploit. I definitely feel exploited through the whole process especially since Amazon has been reported to have inflated prices on their market
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit report from XXXX XXXX XXXX that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX, KY XXXX. The address that was on my credit report.. On XX/XX/XXXX I sent a dispute letter to all credit reporting agency asking for validation of debit, i then received a copy of agreement with my signature and date of XXXX XXXX. So I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call about a debt that was from 7-10 years ago. I asked for proof of this debt and never received it. A few days later it was on my credit report as a collection.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2800.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$640.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT. THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT...
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. The following accounts have been reported as late payments, charge offs, or collections : XXXX  XXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Collection Account XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these items are inaccurate and/or unverifiable. I request that these items be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

I would like to remind you that it is your legal obligation to investigate and correct any inaccuracies on my credit report. According to the FCRA, you have 30 days from the date of receipt of this letter to complete your investigation and respond to my dispute. If you fail to respond within this timeframe, I will consider the disputed items to be inaccurate and request that they be removed from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Attempted to purchase XXXXXXXX XXXX, as my insurance doesn't cover it fully. Found " XXXX  '' & sent them two separate payments via Zelle ( {$500.00} on XX/XX/XXXX and {$210.00} on XX/XX/XXXX, totalling {$710.00} ). Never received a confirmation of payment or order confirmation. Sent customer service email on XXXX regarding order, no response. Also, tried several times to " chat '' with a " representative '' online. I no longer have that option - - chat box is gone. 
Emailed Zelle twice ( XXXX and XX/XX/XXXX ) and called Zelle customer service on XX/XX/XXXX without any real answers. Zelle just tells me they'll " investigate the situation. '' When I got no where with Zelle or the seller themselves, I filed a complaint with the California Attorney General as well as attempted to file a dispute with my credit union XXXX XXXX XXXXXXXX XXXX XXXX As of XX/XX/XXXX, at the time of this complaint, I have gotten no where as well as no news on a refund.
Product: Debt collection

Contacted my Manager XXXX at my work. They told her if I did not contact them today they would serve me court papers at my job. This debt is more than 7 years old.
Product: Credit reporting or other personal consumer reports

Just got off the phone with XXXX XXXX and XXXX XXXX, I was never notified that XXXX XXXX has bought my debt from XXXX XXXX and now my charged off account is in collections, I have the right to privacy and the right to accurate and proper credit reporting on my consumer report I have sent a letter to the company rescinding all agreements I have ever made allowing them to share any of my personal information with anyone and especially never gave them the ok to share my personal information such as name, address, social security with XXXX, XXXX, equifax, nor anyone else, by law they need to notify me in writing stating they will be sharing my private, personal information with anyone! They have never notified me of the above in writing, also the amount owed to XXXXXXXX XXXX is incorrect and inaccurate information and I have the right to proper reporting! In which it is inaccurate reporting and needs to be deleted and removed immediately! It goes against the fair credit reporting act, XXXX XXXX is showing that I have a charge off with them, although I no longer have a charge off with XXXX XXXX they have had sold my debt to XXXX XXXX collection in which I was never ever notified in writing of such change and that they are in possession of my account, non the less the information on my credit report is 100 % inaccurate and false! The account is now in collections with XXXX XXXX it is illegal to report a charge off when it is has become a collection account! Please have XXXX XXXX immediately delete this off my credit report! Have the entire account deleted due to false and inaccurate reporting!!!! the total that I had owed is {$880.00}! I have the right to an accurate proper credit report! It is inaccurate and incorrect in which it goes against the FCRA, bank book keeping must be 100 % accurate at all times down to the XXXX! Have this account deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for years to fix this issue with XXXX. I just received a letter stating they do not have an account for my as they moved my file to XXXX when they allowed me to become a identity victim. Also when I went to logg into my XXXX account they locked it to say my password was wrong. Now I can't contact them unless I go through a 3 hours integration. 
They can't allow a medical debt under {$500.00} to be applied to me credit without verification this account belongs to me as they don't know my current address as this is an issue as well. 
What ans why are thy allowed to continued to.lie as we the consume suffer these abuses.

I know there were penal codes to Sue for this however they have since been removed from publication online. 
I need this information removed off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with the XXXX XXXX XXXXXXXXTotal card services Inc that was sold to a collections agency XXXX XXXX It was being reported as delinquent and negative on all my credit reports so I called the XXXX XXXX XXXX  to get the contact number for the collection agency so that I could pay the debt off and clean up my credit. Upon speaking to a rep with I agreed to pay the debt only if the account be completely removed from my credit report. They assured me that once I paid the debt it would be removed from my credit within 30 days after the debt was paid. On XX/XX/2020 I made my final payment on XX/XX/2020 I got a notification from my credit bureau apps that I had a negative/ delinquent reporting account. The account was from XXXX XXXX XXXXXXXX XXXX Total Card Services Inc . I called them and told them that I had paid the debt with XXXX XXXX and that the debt and all account information should be deleted from all of my credit reports. I spoke to a XXXX and she told me that since XXXX  acquired the debt I had to contact them to get the account deleted. After I got off the call with her I called XXXX, XXXX, and XXXX  just too find out who was reporting the debt and both companies have not removed the debt and still reporting delinquent/ negative marks on my report. Ive been getting the run around from both companies. I just want this account deleted from my credit reports since I paid the debt off and they told me that it would be deleted after I made the payment.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries listed on my credit report. I have reviewed my credit report and noticed that there are inquiries that I believe were made without my consent or were made incorrectly. Specifically, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this hard inquiry, nor was I notified in advance of it. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, including unauthorized hard inquiries. These inquiries have negatively impacted my credit score, and I request that they be removed immediately. 

In addition, according to 15 U.S.C. 1681b, a hard inquiry may only be made if I have given express permission for it. In this case, I did not grant permission for the inquiries listed on my credit report, and they appear to have been reported in error. 

I am requesting that the companies involved review the inquiries in question and remove them from my credit report if they can not provide proof that they were authorized by me.
Product: Credit reporting or other personal consumer reports

Someone stole my information and has used it to open this loan. I didn't open this loan, and I have not authorized for this loan to be opened. I have contacted the company over 100 times and I am not getting a resolution. The company also got sold when I was in the process of having the loan cleared from my name, and now the new company can't verify information I have already went through with the previous company.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Chase Bank regarding inaccurate late payment reporting to the credit bureaus. 

Timeline of Events : Account Details : I have a credit card account with Chase Bank ( Account Number : [ redacted ] ). 

Payment History : I made a payment of {$150.00} on ( XX/XX/year> ) ( XX/XX/year> ) & ( XX/XX/year> ), which I believed to be on time and within the grace period as outlined in my account terms. 

Discrepancy : On XX/XX/year>, XX/XX/year> & XX/XX/year>, I received a notification from my credit monitoring service indicating that Chase Bank reported a late payment for the billing cycle ending at the end of each month payment was issued. This was surprising as I had made the payment on time. 

Actions Taken : I contacted Chase Bank customer service on [ insert date ] to dispute the late payment. During this call, I was informed that my payment was processed late due to a delay in processing, which I was not made aware of at the time of payment. 
I followed up with written correspondence via email to Chase Bank on XX/XX/year>, reiterating my dispute and providing evidence of my timely payment, including transaction confirmation. 
Despite these efforts, my credit report still reflects the late payment as of [ insert date ]. 
Impact : The inaccurate reporting has negatively affected my credit score and my ability to secure favorable loan terms. I believe that I fulfilled my payment obligations and that Chase Bank failed to process my payment accurately.

Resolution Requested : I request that Chase Bank correct the reporting to the credit bureaus to reflect my timely payment and remove any negative impact from my credit report. 

Thank you for your attention to this matter. I hope for a prompt resolution. 

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

There are accounts on my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft XXXX confirmation # XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XX/XX/XXXX XXXX  file number XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XXXX Experian Report Number : XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XX/XX/XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help THESE ADDRESSES DON'T BELONG TO ME XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

I opened sears credit card on XX/XX/XXXX and was given a credit limit of XXXX.On XX/XX/XXXX, sears reduced my limit from XXXX to XXXX without any warning and no good reason.My credit score was under 600 when I applied and I do have a bankruptcy on my credit file currently and when I applied for credit.Because of this reduction in credit, It has hurt my credit score and credit overall.When I received the letter from sears it states under PLEASE NOTE '' the reporting agency played no part in our decision and is unable to supply the specific reasons why we have reduced your credit limit '' .Prior to this letter and in XX/XX/XXXX, I disputed a sears auto charge regarding some work they did on my vehicle that wasn't needed.I was reimbursed by sears for the charge after a long dispute and letters with sears credit.This has hurt my credit score and my credit overall.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Credit reporting or other personal consumer reports

I applied for an apartment and was told that theres an eviction on my credit report. I was evicted and the property management company is terminated and a new company came in and I stayed with them for an additional seven months and left with a XXXX balance. I tried contacting the property to get a letter but can not get in contact with the property manager I have emailed and called. The credit reporting agency requested that I provide a letter saying I had a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX