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

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB XXXX XXXX XXXXXXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX, XXXX, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

Phone number ( XXXX - XXXX XXXX Receivables ) called me multiple times. I do not speak XXXX XXXX so I had my daughter call them to explain because I did not understand. When having my daughter call, XXXX accused me of lying of not being able to speak XXXX and cussed out my daughter and hung up. My daughter had to call multiple times to be able to speak to someone about debt. When finally talking to someone, they explained this debt is from XXXX from Kay Jewelers and I needed to pay or show proof of payment completion or else I would be sued. My daughter explained this loan has been paid and its XXXX now and why are they calling 11 years later, they said it is because of XXXX and the courts were closed. We also asked about the statute of limitations- which it has been past due, they said jewelry is considered a collateral and will always be owed. When asking information regarding the debt and requesting information ( a letter or statement ) they stated they sent multiple to our old address and one to our new address which we did not receive. When we asked them to send it again or email it to us, they said if you want documents then we can go to court and they can explain it there. We still have not been able to get written or emailed communication because they want to talk on the phone only and when asking for written communication they threaten us with going to court.
Product: Credit reporting or other personal consumer reports

According to the USC 15 USC 1681 the FCRA and the Privacy Act of 1974 TRANSUNION has violated myrights abd furnished my information to creditors as Promotional Inquiries without my knowledge or written consent PROMOTIONAL INQUIRIES : -XXXX  XXXX XXXX  requested on XX/XX/XXXX, XX/XX/XXXX -XXXX  requested on XX/XX/XXXX, XX/XX/XXXX -XXXX  XXXX requested on XXXX, XX/XX/XXXX, XX/XX/XXXX Regular Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I do not recognize ) XXXX XXXX : XX/XX/XXXX XXXX XXXX via XXXX XXXX  requested on XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This item had been removed from my report, but on XX/XX/2022 it was put back on. The circumstances of the event do not change and the account is still not mine and needs to be removed. 
I believe the bank periodically bring the information back onto the report in an attempt to collect funds or which is happening in my case hurt the consumer that has already been victimized. 
Either way, its shameful and malicious. I have had a property sold that I was trying to purchase because this account has resurfaced and I have lost out on a transportation contract because my credit score has decreased because this account has resurfaced. This is not right, its hurtful, shameful and malicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has filed a collection account with multiple collection agencies. Each time they have placed the alleged account with a collection agency, I have disputed it. In 3 separate cases, the disputes were removed because they can not document the claim. The most recent filing is with XXXX XXXX XXXX account # XXXX per my personal credit report. They claim the account was opened XX/XX/XXXX. This is not accurate and they have not provided any documentation of proof. The address for this agency is XXXX XXXX XXXX XXXX XXXX, Mn XXXX. Phone is XXXX. 

The alleged creditor XXXX XXXX XXXX has now submitted this for collection three other times to three other agencies. The three prior claims have all been removed. This is a deliberate effort by XXXX XXXX XXXX to ruin my credit by continuing to place the same account to multiple collection agencies. This is not a legal practice permitted under the Fair Debt and Collections Practices Act. This is intentional and prohibited. 

XXXX XXXX XXXX had breached their agreement to provide services to my home. They were advised of such. Currently XXXXXXXX XXXX  Trans Union are reporting this item for {$570.00}. of which I do not owe. They placed this account in XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX. The first two were removed from my report after dispute. 

I am seeking damages as this practice has dropped my credit score by XXXX points and has cost me in rates for other credit I have applied for. It is also causing me issues with my current job as a lending executive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX on XX/XX/2022 I disputed an account reported by DPT EDXXXX in the file you maintain under my Social Security number. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.
Product: Debt collection

I moved out of XXXX XXXX XXXX XXXX, MO XXXX 2015 because I lost my job and was forced to move in with friends. During the same month I was told that I could buy out my lease, but only had 20 days to do so for about XXXX. I could n't come up with that amount of money that fast. By XXXX 2015 I started receiving collection notices via mail and phone by a bill collector named Hunter Warfield in Florida. They are trying to collect over {$8000.00} for moving out of the apartment before the end of the lease. I told the bill collector that I had agreed to buy out the lease with the apartment complex manager via emails and he did n't care. He told me to call the apartment complex and discuss that with them in which I did via emails. The apartment manager told me there was nothing that she could do since it was at the bill collectors office. Also, I asked her to let me have my apartment back and I would catch up the late rent but she said no. I had only been out of the apartment for a month and a half. Taking to the bill collector again I told him that I could prove the agreement for buying out the lease for {$2600.00} but he refused, said the emails could be altered. He said they want over {$8000.00}. and nothing less. I asked for an itemized bill in which I received XXXX letters. XXXX letter with no itemization on it just the {$8000.00}. amount. The second letter said all collection processes were going to stop until the debt could be verified. Now, this past week the bill collector started calling again demanding {$8000.00}. When I told him the amount was wrong, not within the laws of the state of Missouri, asked him not to call my cell phone anymore, he hung up on me. Today, my mother said Hunter Warfields office called my moms home phone asking for me which I found embarrassing because I had to explain why a bill collector was calling them. There number is listed in the white pages so I guess they are going around calling all my relatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is paid off but is being reporting in the status area and comments area that it's charged off. I have spoken to 3 individuals at One Main and faxed over letters and screen shots showing what is being reported to the credit agencies. Neither XXXX or One Main will fix this problem. This has been on going for close to a month and half between both organizations. Each placing the blame on one another.
Product: Credit card

The bank " Capital One '' opened a credit card in my name without my request, consent or signature. I was never client that bank. I do not have no one card of " Capital One '' bank and don't have any account in that bank. However, the bank is fraudulently lowering my credit rating and extorting money from me, demanding that I pay for dont understend what. 
I called this bank, informed them that I had not requested, received, and did not want to receive any additional cards. I told them that I considered this fraud and extortion and that I did not want to have anything to do with them. I demanded that they stop damaging my credit rating and damaging my reputation. However, they continue to do this. 
In XXXX, my credit score was XXXX. Within two months, these extortionists reduced the rating to XXXX. 
Can you help get rid of these scammers?
Product: Credit card or prepaid card

I went in to a local Chase bank branch approx XX/XX/XXXX to open credit card accounts for my in-laws and sister-in-law as their Attorney-in-Fact. The POA documents were with me. After an extended time there with a representative, the branch manager became involved and said they will not honor POA for extending credit. I then called Chase executive offices and one of their reps said yes that is their policy. This appears to violate State of Connecticut General Statutes 1-350R/S, and the focus of abuses mentioned here : http : XXXX Under the old law, many people were frustrated that they had planned ahead only to have a bank disregard the POA for various reasons '' Your assistance is requested in bringing enforcement actions to the institution for so blatantly disregarding their legal responsibilities
Product: Credit card

My account with Bank of America is in good standing but, after my XXXX daughter had problems with her account they started mixing things up with me. 
Now their telling me that my account was closed even though they just sent me a new card and I even was able to activate it and my account is at XXXX balance. 
They claim its because of my past credit problems after the passing of my wife and are now corrected but, when they were n't corrected they did n't have a problem keeping my account open. How can they justify closing my account that is in good standing for years and say its because of thepast with someone else but, has been fixed?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has illegally reported a total count of twenty-two late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an inaccurate item on my credit report that I wish to have deleted. The information in question is negatively impacting my credit standing, and despite my attempts to resolve this matter directly with the credit reporting agency and the creditor, the issue remains unresolved. 
Details of the Inaccurate Item : Creditors Name : XXXX Account Number : XXXX Date of Inaccuracy : XX/XX/XXXX Description of Inaccuracy : I have never had account ownership Creditors Name : XXXX Bank Account Number : XXXX Date of Inaccuracy : XX/XX/XXXX Description of Inaccuracy : I have never had account ownership Creditors Name : XXXX  Account Number : XXXX Date of Inaccuracy : XX/XX/XXXX Description of Inaccuracy : I have never had account ownership Creditors Name : XXXX Account Number : XXXX Date of Inaccuracy : XX/XX/XXXX Description of Inaccuracy : I have never had account ownership I have made good faith efforts to dispute this error by contacting the creditor or credit bureau directly, XX/XX/XXXX and XX/XX/XXXX Despite my attempts, the inaccurate information has not been corrected. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I submitted XXXX disputes for wrong name and it always comes back as verified or this credit agency is requesting additional documents. Additional documents were attached with the dispute
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I have sent in several certified letters and have all tracking number available
Product: Credit card or prepaid card

On XX/XX/XXXX, I called and talked to Navy Federal customer service to close my account. The representative said if I closed the card, I can't re-open the same card. I told her that's OK with me, I want to close the card. However, XX/XX/XXXX the credit union charged me a card renewal fee. On XXXX, an auto payment transaction from XXXX XXXXXXXX XXXX for {$780.00} and {$4300.00} hit the account for annual insurance premium payment. Since, I was not using the card and had asked Navy Federal to close the card, I didn't look into my account. Navy Federal kept on charging me interest and late fees. Meanwhile, we went to XXXX and didn't get our mails. On our return, my husband saw a letter from Navy Federal. We sent secured messages. The CU asked us to pay the total due first before they could adjust the fees and interest. We made payment for the full amount. However, the CU didn't make the adjustment of the late fees, interest charged from XXXX. It made only {$82.00} adjustment ( As a courtesy we have waived {$62.00} in interest and {$20.00} in late payment fees. ). I sent secure messages but the answer was same. I called Navy Federal on XX/XX/XXXX and discussed about the fees and my call XX/XX/XXXX to close the account. The CU representative said they would investigate and get back to me within XXXX hours. No one from Navy Federal called me. I called the CU again on XX/XX/XXXX. I was told someone from the credit union will get in touch with me on Monday XX/XX/XXXX. I haven't yet heard from credit union. I am convinced that this is a unethical business practice on the part of the credit union not to close my account when I asked for it and then charge me annual fee for the card and charge interest and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint alleges Experian is responsible for furnishing inaccurate, incomplete, unverified, false and misleading information to my personal consumer credit report. 

Predating XXXX the above-mentioned bureau was directed to rectify negative marks that showed up in my file as a result of their investigation ( s ) - or lack thereof. The record will reflect that this bureau did not properly verify information that it has published and maintained within this file even after learning of a mixed-file incident with respect to my Social Security number. During this time and thereafter my score has plummeted from nearly XXXX  down to what now lingers in the High 400 's to Lower 500 's. 

As a result I have been denied employment, credit/loan opportunities, and access to post-secondary educational programs based upon negative reports that remain within my credit file. 

Here are a few recent examples of actions taken against me below : XXXX XXXX Department Store - XX/XX/XXXX Denied Employment XXXX XXXXXXXX XXXX - XX/XX/XXXX, ( XXXX ) XX/XX/XXXX & XXXX ( XXXX ) Denied Employment XXXX  - Between XX/XX/XXXX to XXXX Denied Employment XXXX XXXX XXXX XXXX ( XXXX ) - Denied Admission & Financial Aid XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX The following items are relevant to the report attached and was generated XX/XX/XXXX Item # 1 See " Student Accounts '' Experian Report : There is negative information reported by XXXX XXXX XXXX in the file that Experian maintains under my Social Security number. This listing shows an incomplete account number of ( XXXX ) which suggest that the item is " Charged-off '' and " Paid-Off, Closed '' while also implying that I owe a balance of {$2200.00} with an original loan amount of {$1700.00}. On this same page under Payment Info the past due amount is {$2200.00} is stated to have been " Updated on '' XX/XX/XXXX and following that it shows " Date opened '' as ofXX/XX/XXXX with an account status that says closed. Finally, Experian 's file history shows this account reporting up until XX/XX/XXXX. 

Item # 2 See " Student Accounts '' Experian Report : There is negative information reported by Ascendium Ed Solutions in the file that Experian maintains under my Social Security number. This listing shows an incomplete account number of ( XXXX ) which suggest that the item is " Charged-off '' and " Paid-Off, Closed '' while also implying that I owe a balance of {$2300.00} with an original loan amount of {$1800.00}. On this same page under Payment Info the past due amount is {$2300.00} is stated to have been " Updated on '' XX/XX/XXXX and following that it shows " Date opened '' as of XX/XX/XXXX with an account that says closed. Finally, Experian 's file history shows this account report up until XX/XX/XXXX. 


Item # 3 See " Personal Information '' Experian Report : Three addresses and two employer 's within this report needs to be updated/corrected ( See attached ).
Product: Debt collection

The Debt Collector is in communication to collect debt when there is no contract that I signed for them to access my information or the company to collect any debt at all. I need the company to stop all communication efforts as they are in violation of my consumer rights. I need the company to XXXX under penalty of perjury you were present during the alleged debt.
Product: Credit card or prepaid card

I sent a payoff check to Barclays in XXXX and they signed for it but lost it. I had the bank apply a stop payment and send a new check. Barclays cashed my second payoff check in XXXX, for {$10000.00}, but as of mid XXXX never applied the payment to my account. They said they have no record of it although I have a copy of the cashed check with their endorsement.
Product: Debt collection

XX/XX/2018 a purchase was made at XXXX XXXX in XXXX  Louisiana in the amount of $XXXX. The account used was my daughter's checking account number, but my name was listed as if it was my account. The bank, XXXX of MS, detected fraudulent activity on the account and contacted my daughter and stopped payment and closed the account. I received notification from collection agency and went to my local bank and the officer at the bank called the company and explained to them that I was not on the account that was used. I am continuously getting phone calls and currently unable to write a check anywhere that XXXX  is used. I have submitted all documentation that they have asked for. A police report was filed by my daughter. This was never my account. I have never been to XXXX LA or purchased anything from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I informed him that I was a victim of identity theft also But they sent me back this right here XXXX XXXX XXXX XXXX we were unable to provide you the application because a garnishment attachment foreclosure cancelation actions or judgment was recorded on your credit bureau record. " which is a lie '' Our decision is based on the whole or in part of information in the report from the following consumer reporter agency Equifax Credit information service XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax phone XXXX XXXX. 
Credit Financial Protection Bureau I blame y'all because y'all don't come down hard on all this XXXX XXXX XXXX y'all got going on in the system I blame y'all for everything that they do to XXXX American because y'all won't come down hard on these people. either because y'all used to be a part of the Confederate or what but XXXX needs to start coming down hard on these people cause these people is causing XXXX people not to have a thing how y'all think people going to survive when we get up and start taking y'all XXXX  then you're so it's going to be a whole different thing. Give my credit right
Product: Credit reporting or other personal consumer reports

I mailed a certified letter to the debt collector on XX/XX/year> disputing an incorrect account reporting on my report. I asked for specific items to validate the account is mine and I have not received anything that validates this account is mine or that I am the rightful party that owes this debt. I also mailed a letter to all XXXX credit bureaus on XX/XX/year> asking them to investigate this account for me & get back to me within 15 days and I have not heard anything back from the debt collector nor the credit bureaus. I would like to have this account investigated and if the account can not be validated, I would appreciate it if it were deleted from report as the law states it should.