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

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On/or about XXXX, XXXX, I pulled my credit report and going over, I found out multiple accounts that did not belong to me, knowing this I did my own research and started disputing the incorrect information. As of today XXXX XXXX, EXPERIAN & XXXX, have been refuse to remove an alleged bankruptcy that I never filed and listed below : Reported on EXPERIAN, Alleged court name : US BKT CT NJ XXXX, type : Bankruptcy Chapter XXXXDischarged with an alleged reference # : XXXX, allegedly filed on XX/XX/XXXX. 

Reported on XXXX, Alleged court name : U.S. Bankruptcy   Court, type : Chapter XXXX Bankruptcy Discharged with an alleged reference # : XXXX, allegedly filed on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

i was checking my credit report when i discovered that i was a victim of identity theft someone ran my credit with many places instantly racking up hard inquires ive filled out idenity theft report online aswell Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | BYMAILONLY please force remove of fraudulent inquiries through experian
Product: Credit card or prepaid card

My Slate Chase account ending in XXXX was charged a late payment fee in the amount of XXXX recently, the account shows a disputed transaction in the amount of XXXX from XXXX XXXX XXXX XXXX, CA on or around XX/XX/XXXX. This transaction, as well as fees and interest associated with it, has been in dispute since XXXX of last year. Most recently, Chase reps replied stating they did not receive information to reopen dispute until XX/XX/XXXX and it was too late to further dispute at that point. The information they refer to such as XXXX tracking number was provided to Chase disputes team back in XXXX via secure message as well as to live phone reps. The tracking number from XXXX shows package signed for by a XXXX XXXX, no one by this name lives at my address, I believe the date is XX/XX/ showing delivered. I was not at home on this date to receive package/sign for it or any other package for that matter. If Chase disputes team missed this information including tracking number when submitted in XXXX, that is not my fault. They need to understand I refuse to pay for item ( s ) not received and merchant will not refund, their one and only option is to bring the account balance to zero as the balance includes the disputed charge of XXXX plus interest and fees. None of this will be paid by myself, the last payment on the account in the amount of XXXX will be the last and final payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX XXXX XXXX  currently in XXXX and information was put on my credit report with my knowledge of said account and it is harming my future for clearance They are medical bills from XXXX XXXX hospital in XXXX XXXX in which I thought were all taken care as I moved to XXXX over a year ago and never even got bills. There are 3 bills in total including amounts {$1600.00}, {$250.00}, {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX to charge me for an unauthorized transaction, XXXX sent an authorized transaction amount to a debt collector. 

Will attach letter sent to XXXX. Personal info will not be included in letter, unless CFPB ask for information later.
Product: Checking or savings account

XXXX sent a con XXXX for bit coin transaction I didn't make, was given fraud # for my bank XXXX XXXX transfers were made within 2 hours total of XXXX not authorized by me. My bank has not honored my request for refund even though I've been trying for 3 months. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I did not do this and my bank denied claim and told me to research myself and would not give me bank info to where this money went..I have many numbers and all of the # identified as my bank but was fraudulent except 1.I need help I am a XXXX citizen and am unable to keep my bills paid and current and live in housing.All I have is email addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe this is a XXXX  error becuase I dont believe that all credit cards companies on my XXXX  report decided to report old XX/XX/XXXX information on the same day at the same time ( XX/XX/XXXX ). This only happened with XXXX. XXXX  and XXXX  has not changed the updated informtion to old outdated information from XX/XX/XXXX. Although XXXX  said this was done by all 3 credit card companies. I believe this is XXXX  error because XXXX reported an updated balance of XXXX  balance XX/XX/XXXX then it was change back to a XXXX balance of XXXX dollars on XX/XX/XXXX. The same thing happen with XXXX XXXX and XXXX XXXX  on the same day. Apologize for XXXX  error but credit card companies can you please retify this with XXXX  this outdated info from XX/XX/XXXX that XXXX  placed back on my report after your company reported the update XXXX  balance XX/XX/XXXX. 


XXXX reported a XXXX  balance XX/XX/XXXX then today XXXX  is the only credit bureau reporting old balances today from XX/XX/XXXX on all 3 of my credit cards that showed XXXX balanes in XX/XX/XXXX its reporting an old balance from XX/XX/XXXX. 

XXXX  for all credit cards reported to XXXX  as of XX/XX/XXXX. I dont know why is XXXX  reporting old information from XX/XX/XXXX balances on all credit cards. Information from 5-6 weeks ago and the old inaccurate information replaced the accurate updated XXXX  balance information todayXX/XX/XXXX. This in against Fair Credit Act. I dont believe that all credit card companies decided to report old XX/XX/XXXX information on the same day. 

As a result, my score has went down form XXXX to XXXX today XX/XX/XXXX because all credit card has been change back to old outdated info of this error causing non approval on a house
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the 2017 XXXX data breach announcement, I initiated a credit freeze with all three credit reporting agencies. 

Experian responded with a written request and {$11.00}. 

I sent all the data and money they asked for. 

Experian failed to cash my check. 
Experian failed to freeze my credit report. 

I attempted to initiate a dispute, but they are having 'difficulties '. 

'' We're experiencing technical difficulties and can not access your report at this time. 
Please try again later. '' Am I allowed to freeze my credit report with Experian? 
Are they allowed to ignore my request to freeze?
Product: Debt collection

XXXX/XXXX/2015 I reordered my usual list of XXXX from XXXX XXXX, as I have been doing for the last ten years. On XXXX/XXXX/2015, without any bill or notice, they REMOVED {$260.00} from my checking account - without my consent. They claim I gave them permission XXXX years ago. This resulted in an overdraft on my bank account. I immediately closed that checking account and opened a new account they had no attachment to. 

I complained about this matter to them, but never heard anything back ; Until they contacted me in XX/XX/XXXX to try to collect on an outstanding balance of {$260.00}. I told them it was paid, and I had a balance of {$0.00}. They claimed to have refunded the money back to my account in XX/XX/2015. 

I have spoke to the bank on multiple occasions on this matter, and they assure me NO REFUND HAS BEEN PROCESSED, nor could it, since that account was closed more than 30 days prior. 

XXXX continues to harass me about this bill, even after I have faxed them copies of my bank statements, and had a three-way call with them and my bank. They have now enlisted the help of a collection agency ( BC Services ) who have been repeatedly calling and sending mail about this bill. 

I have not been able to reorder any of my medical supplies in the last year ( some items should get replaced monthly ) and now I will have to find another supplier, which will cost me more money because XXXX is the only XXXX supplier in network. 

This bill was paid in full, and they are threatening my credit which I am just starting to rebuild. I am looking to buy a new home and need all the help I can get.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed and was approved for an installment loan Loan ID XXXX on XX/XX/year>. From Affirm for a XXXX purchase in the amount of {$180.00}. My order was split into two separate shipments. One package had three outfit purchases. Which this order was delivered on XX/XX/year> via XXXX id # XXXX. I received this package. The second shipment order package had a total of 7 purchased items. This order was shipped via XXXX tracking number XXXX. Per the XXXX tracking information. The package was supposingly handed off to USPS under tracking number # XXXX. USPS claims the package was delivered, Front Door/Porch in XXXX, TX XXXX XX/XX/year>. However, this package was not delivered to my address. The USPS did not request a signature for delivery of this package. Nor was a photo taken to prove the package was delivered to my residence. There is no documentation to show this package was delivered. I have disputed this issue with XXXX directly and then Affirm. I am owed the amount of {$160.00}.
Product: Debt collection

Suddenly out of the blue I get an email from Steel River Systems for a XXXX XXXX XXXX in XXXX Florida which I have never even visited. They send me an email where I must take a link to find their reference number, but I don't take links on emails from what I consider Spam. I called them up to try to straighten it out but they want information like my social security number which I would not give them. Apparently they just send out emails to any XXXX XXXX they can find, they certainly did not think I would use a Florida credit union when I live in XXXX XXXX and have for 13 years. Basically they are telling me they can not resolve it without me giving them confidential data, which I find absurd. I tried my best to help them on the phone for over and hour but they just kept insisting I give them confidential data.
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 


Fraudulent Collection Accounts : Southern Management Syst. 
Account Number : XXXX Collection Opened : XX/XX/2021 Balance : {$7300.00}
Product: Debt collection

After an emergency room visit, the hospital sent the wrong billing codes to my insurance. This was clarified to the billing department at the hospital and they promised to amend. They never did and sent this as debt to a collection agency. After discussions with my insurance, the insurance decided to pay me directly for the amount and I subsequently sent payment to the collection agency. I then received an invoice from the hospital showing I owed {$0.00}. Two weeks later I get another letter from the collection agency to collect what appears to be the same debt under a different account number.
Product: Credit card or prepaid card

I paid a large payment to synchrony bank for my Walmart card and they lowered my limit by the amount I paid, never been late on this account always paid as agreed. I called and the Rep said they looked at my credit and lowered based off that, I have 3 other cards with them and they did the same thing to my QVC card. This is rediculous that they can do this when you pay as agreed. I'd like my limits raised back up if possible.
Product: Credit reporting or other personal consumer reports

This hard inquiries are not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I got a refusal of payment notice on a card I use often. I went to log in and saw the card had been canceled. Then I started looking around and Synchrony Bank had closed EVERY ONE of  my accounts i had with them. I have never missed a payment on any of them, have 100 % payment records, plus I have even received substantial credit limit increases on several of them. There is no reason these accounts should be closed. We are talking about 11 credit cards ALL AT ONCE. My credit limit is going to be destroyed about this through no fault of my own. I have not even asked for COVID-19 relief because I have continued to work and I have a very decent salary. I need answers and nobody will give me one except for something copied and pasted from a sheet. This happened apparently on XX/XX/2020. I had absolutely no notice that this was about to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
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 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 ) States : 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

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX Equifax and XXXX XXXXor inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


On ( insert date ) please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Product: Credit reporting or other personal consumer reports

Previously, there was a collection reported on my credit report from Experian and they did not correct the information. I filed a complaint with your offices and the debt could not be validated and was proven to not be mine. Now the debt has reappeared under another business called XXXX XXXX XXXX. It is the same debt that was previously disproved from XXXX in the amount of {$820.00}. It was previously under XXXX XXXX. 

Experian continues to report adverse information without verifying anything. I continue to have to fight to have accurate information reported. I will file another complaint against the Debt Collector. 

This continues to have a negative affect on my financial well being and I was denied a loan today based on false information contained in their report. I am requesting that this inaccurate and unauthorized information be removed from my credit report. I have not had an account with XXXX in over 10 years. This debt is not mine. 

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

I paid two accounts In full they reached out to equifax telling them to delete it I also have the email stating it was going to be deleted this was in XXXX of last year and its still reflecting on my report hindering my credit I also sent this to equifax disputing this on my credit report which is still on my report and they arent removing it which is a violation
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 
The specific account ( XXXX ) in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information does not belong to me and appears to result from identity theft or an error in reporting. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation. 
2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ). 
XXXX. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 
XXXX. A revised copy of my credit report reflecting these corrections. 
Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 
Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity