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

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX   XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and frustration regarding the ongoing presence of fraudulent items on my account. 

Since then, we have engaged in a protracted process to investigate and rectify these fraudulent items. Regrettably, despite our sustained efforts, the fraudulent entries persist, which is wholly unacceptable. 

The persistent presence of fraudulent activity not only imposes significant stress and inconvenience upon me but also erodes my confidence in the efficacy and reliability of your institution 's security protocols and remedial procedures. As a loyal customer, I entrust your institution with the responsibility of safeguarding my financial interests and ensuring the integrity of my accounts. The continued recurrence of fraudulent incidents undermines this trust and raises serious concerns about your institution 's competence in addressing such matters. 

I implore you to take immediate and decisive action to comprehensively address this issue. This should encompass a thorough investigation into the underlying causes of the recurrent failure to eliminate the fraudulent items, coupled with the implementation of robust measures to prevent their reoccurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report thru experian has my birth year as XXXX and that is incorrect its XXXX I have disputed this with them and it has not been changed
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Removal Request Of Unauthorized Hard Inquiries Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 



XXXX XXXX Date of inquiry : XX/XX/XXXX I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame. 



Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has continued to violate the FCRA on numerous occassions by knowingly entering harmful information that intentionally harmed my credit file! I was reported on multiple credit reporting agencies by them as a monthly CHARGE OFF with a OUTSTANDING BALANCE from XX/XX/XXXX until XX/XX/XXXX! 
XXXX XXXX XXXX  SOLD my CHARGE OFF account to the XXXX XXXX XXXX  to COLLECT the Outstanding Balance who also placed a COLLECTION ACCOUNT on multiple credit reporting agencies during the same exact time to cause me harm and put pressure on me! On XX/XX/XXXX, I settled my collection with XXXX for {$270.00} and ( SETTLED IN FULL AND IMMEDIATELY DELETED )! XXXX, XXXX XXXX has written off {$280.00} and placed ( Settled for LESS THAN FULL Balance )!
Product: Student loan

I have all federal loans services through Great Lakes XXXX., and for the past several months I have been attempting to consolidate my loans and start an income-driven repayment plan. I began this process at the beginning of XXXX, hoping to avoid running up against the deadline of when my loans became due ( end of XX/XX/XXXX ). Each time I have called Great Lakes, someone has given me different information from the person before and after him or her. Often information has been, apparently, misleading or just incorrect. Currently the processing of my payment plan is being held up because they need documentation of my income. My account will show that I have attempted multiple times to send them such documentation, but due to the incorrect information, each time that information I sent was not exactly what they needed. I have been on the phone with their customer service probably a dozen times or more since the beginning of XXXX, and at no time as a service agent actually given me truly helpful information about the process of loan consolidation and beginning an income-driven repayment plan.
Product: Vehicle loan or lease

My complaint is with Credit Karma and them giving misleading figures that trick you into applying for a loan, they make them look much better than the lender offer you receive. I was looking to refinance my vehicle loan and found a great deal via Credit Karma, clicked the link and put in an application thus receiving a hard inquiry on my report. After getting all of the necessary information to the lender, the numbers they gave me were WAY off from what Credit Karma was advertising. I understand that it is an estimate, but it was off by over 10 % on the interest rate and over {$200.00} for the monthly payment. Had I known this, I would not have applied and taken a hard inquiry on my credit report.
Product: Credit card

Can not make any purchases but are still taking payments with no explanation over a week mow
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Experian, and XXXX on XX/XX/21 about XXXX accounts they are reporting on my consumer report that I did not give consent to them to report. They are stealing and reselling my private information and it is fraud. They have XXXX days to perform an investigation and to respond they have failed to do so. They never removed the items from my consumer report during the investigation and they have not provided the names and phones number of those they interviewed in the investigation process. I sent a demand to comply letter since they did not do what they were supposed to do and they have a grave responsibility to do so. I never gave them the permissible purpose to furnish a consumer report on me. This is now hindering the ability to provide for my son because of the stress is this causing me. I can't sleep at night and have anxiety from these negative items on my consumer report. I feel that I am being taken advantage of and they are profiting from my name. I am beyond upset.
Product: Credit reporting or other personal consumer reports

These late payments are not in line with my typical payment behavior.
Product: Debt collection

XXXX XXXX has been reporting a collection on my account in the amount of {$2100.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Product: Credit card

I filed an application for a credit card after receiving an email inviting me to open a credit card from TD bank. A week late I received a denial letter from them for the reason stated on their letter of " your income is not sufficient in relation to your amount of debit '' and also stated that my credit score is XXXX. I was astonished by that since I am debit free. They stated on the letter that they got the information from XXXX agency report. I then thought that I probably became victim to identity theft. I then downloaded my credit repot from XXXX website and printed out. The report showed no debit at all in contradiction to what TD bank claim. On XXXX XXXX I called TD bank credit dept. to discus the matter and to ask them to fix this issue. I spoke to costumer service who said her name was XXXX and declined to state her last name. She offered me an apology and nothing else. She asked me to contact XXXX and I tried to get her to be logical saying that I downloaded their report about my credit history and I have it in my hand right now so please go over the line which state that I have any debit and let 's go over it together but she did n't do it simply because the reason they claim does not exist. My discussion with her was to no avail and she declined to put her supervisor on the phone with me. Now I am filing this complaint to bring this institution 's mater to light as I felt discriminated against and insulted by their declining me a credit card.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed that I have multiple inquiries showing on my credit report that I have no knowledge of or never did business with to pull my credit report.
Product: Debt collection

Initially, I received a call from Receivables Performance Management. They only stated their name and asked for me to verify my identity. Unsure of the nature of their business, I asked what kind of business they conduct and told them I did n't feel comfortable disclosing my identity through sensitive information without knowing who they are as a company. They refused and said they could n't legally disclose that due to privacy issues. This seemed suspect to me so I refused and hung up. 

I called XXXX XXXX because I had just closed an account with them to see if there was any connection. After a conversation with a customer care representative, it was discovered that a {$49.00} charge was in error and that I had a zero balance. On XXXX XXXX, 2016 I received an email stating that my balance was zero and that " A request was already sent to update your account to the Outside Collections Agency. Please be advised that it will take within thirty days to update. '' On XXXX XXXX, 2016 I was notified by XXXX that a new collection had been added to my XXXX credit report in the amount of {$49.00} from Receivables Performance Management. 

I attempted to call Receivables Performance Management, but there was no answer after numerous rings ... not even a selection menu. No answer at all. I then called the billing department at XXXX XXXX and was transferred to an " account specialist ''. I explained my situation and asked them to rectify things with the collection agency with whom they have chosen to align ... communicating my frustration with how this collection agency either broke the law, or was operating on the fringes of the law. 

XXXX XXXX effectively stated that they could do nothing to remove the inaccurate credit report addition but resend the same information that they had sent in XXXX. Receivables Performance Management does n't answer their phone. This is the reason for my complaint with the CFPB. 

I could have an attorney send a letter stating which law the collections company is violating, but out of principle I should n't have to pay an attorney fee to fix this.
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 reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Former : XXXX XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX ADDRESSES : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX A XXXX  XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX KS XXXX ADDRESSES : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX TRANSUNION ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KANSAS XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX COLLECTIONS : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX
Product: Credit card

On or about XX/XX/year>, Chase Bank contacted me about suspicious activity on my credit card. Someone had charged {$640.00} for tickets to XXXX XXXX  XXXX XXXX. I have never been to XXXX XXXX XXXX XXXX and told Chase Bank in a phone call they recorded that the charge was not authorized by me. Chase Bank reversed the charge. However, there was another charge immediately before the {$640.00} for XXXX XXXX XXXX XXXX for another {$640.00} that Chase Bank is insisting was authorized by me after I have repeatedly told them I did not authorize either {$640.00} charge. I appealed their ruling 3 times and Chase Bank is refusing to credit me for the fraud. I have read online complaints by other Chase Bank card holders who have also been scammed and Chase Bank held the card holders accountable for unauthorized charges. I am shocked that Chase Bank does not uphold ethical business practices to protect their customers from fraudulent activity and have severed my relationship with them.