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

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following inquiries be verified or removed immediately : 1.The following inquiry is not mine XXXX  Please remove it from my credit report.

2.The following inquiry is not mine XXXX  Please remove it from my credit report.

3.The following inquiry is not mine XXXX XXXX Please remove it from my credit report.

4.The following inquiry is not mine XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

5.The following inquiry is not mine XXXX Please remove it from my credit report.

6.The following inquiry is not mine XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

( FCRA ), 15 U.S.C. 1681 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] 603 - 15 U.S.C. 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Truth and Lending Act 15 USC 1602 The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ( m ) 603 - 15 U.S.C. 1681a ( 3 ) Restriction on sharing of medical information.

* ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited to experian to remove an account XXXX XXXX XXXX it is reporting They are illegally reporting inaccurate and false information about me. the following alleger account is listed as a collection with a past due balance Violation of FCRA and Metro 2 Compliant reporting XXXX XXXXXXXX XXXX account. {$330.00} past due as of XX/XX/2022. 

and this the only response i got was You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute.
Product: Debt collection

National Credit Systems Inc alleges I owe a debt I do not. I have previously filed several complaints against them because of this debt. The information is incorrect and should have been deleted. Upon investigating this company it is not licensed in the state of Michigan to collect this debt and I am also currently in litigation with the company about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill in the mail in XXXX XXXX for a discover credit card account unfamiliar to me. XXXX None of which Ive used or opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and many other times I have disputed this information because the inquiries on my credit reports are fraudulent and were not made by me. I am a XXXX veteran  and I have not tried to buy a vehicle since XXXX. I did not try to buy a vehicle in XXXX or XXXX nor XXXX! Nor have I applied for any credit! 

XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have contacted these companies individually and they keep redirecting me to the credit bureaus and the credit bureaus wont even investigated it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX ; Experian and XXXX are reporting incorrectly an involuntary repossession/charge-off on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it has been ( 7 ) years from the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting of a charge-off is harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

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

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, Pain, Emotional Anguish, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has violated my privacy according 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit and because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have been trying to have an inaccurate collection from my credit report- it is regarding a XXXX Account from over 9 years ago that went delinquent in 2013. This item should have been removed from my credit report last year- but has yet to be removed. 

It is severely impacting my credit score and I would like it to be removed. XXXX and Equifax both refuse to correct the information, despite my having disputed the account several times with them. I have no idea how they are verifying that this account is accurate and now, because I have disputed this account so many times, XXXX refuses to allow me to dispute it online again.
Product: Prepaid card

On XX/XX/XXXX. Someone using the name " XXXX '' attempted to make several charges, but my debit card was frozen. On XX/XX/XXXX that someone stole {$14.00} and {$3.00}. 

I reported this to the card issuer and they told me I'd have to wait to see ( with no provisional credit ). 

In early XX/XX/XXXX I am aggravated that they did nothing to help me recover the money. They seem be in collaboration with the online criminals and making themselves and the banks very wealthy in their process. They are going to keep my money so basically they steal card-holders ' money and consumers have absolutely no recourse. 

I expect the money returned that Revolut stole in XX/XX/XXXX ( {$250.00} ) plus the money Revolut stole in XX/XX/XXXX ( {$18.00} ). Total as of today {$270.00} put back into my bank account.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have the Citi Thank you account. I initiated transfer of XXXX points from my Thank you account to their partner, XXXX XXXX on XX/XX/2021. I have transfer points XXXX points prior to this and twice after XX/XX/2021 and all have no issues except this one. My account stated it is fulfilled but it does not show up on XXXX XXXX points. I called Citi Thank you and they stated XXXX XXXX didn't accept it so it will be returned to Thank you point and wait for a week. A week past, I called again and spoke with XXXX XXXX on XXXX Cse # XXXX. She states she will look into it. Nothing happened call XXXX spoke with XXXX and ask XXXX to call me back. XXXX called back XXXX XXXX and left a voice mail stating the result is we are unable to refund the points can't be cancelled or reversed once the order has been submitted. The problem is I didn't cancel the transfer or ask for reverse. Citi systems shows complete when it is not. The XXXX points is worth {$3000.00} was transferred, never got to their partner as stated and now they say too bad, it is lost. You can't just take my money or points and transfer to your partner and just say it disappear because our partner didn't take our points. I tried to called today XXXX 3 times and they just hang up. I called XXXX, XXXX and XXXX and spend a total of XXXX minutes. 
If this can't be resolved here, just provide a contact for me to serve the law suit. It will be resolve quickly and fairly.
Product: Credit reporting or other personal consumer reports

I am contacting you to formally dispute certain inaccuracies present on my credit report. These inaccuracies are not only damaging to my credit profile but also represent a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

To aid in a thorough and timely investigation, I have attached documentation that clearly demonstrates the discrepancies in question. I urge you to carefully review these materials and address the inaccuracies accordingly. 

As stipulated by the FCRA, credit bureaus are obligated to ensure that all information reported is accurate and verifiable. The inaccurate data on my report, as evidenced in the enclosed documents, does not meet these standards, thus violating Sections 1681e ( b ) and 1681i of the FCRA, which require credit bureaus to ensure reasonable accuracy and to investigate disputed information.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

i am a identity theft victim i have been trying to get these items removed for years to no avail. ive never had an account with these companies. 

XXXX XXXX XXXXXXXX XXXX.JEFFERSON CAPITAL LL
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable investigation of disputed information on my credit report. Despite submitting a formal dispute regarding inaccurate information, Experian has not investigated the matter thoroughly or provided any meaningful resolution.I am aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, alleging systemic issues, including failing to forward consumer-provided evidence to furnishers, accepting unreliable responses from furnishers, and failing to adequately notify consumers of dispute outcomes. My experience reflects these same concerns. These failure align with my experience, where Experian has neither correct nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I made a payment agreement with the Collection Agency and paid the amount in full. It is still showing up on my credit report with a balance. The account should be removed completely.
Product: Mortgage

I sold my home with a CrossCountry mortgage on XX/XX/XXXX. I received my escrow refund check ( $ XXXX ) at my new address in Texas around XX/XX/XXXX. My check got lost during the moving process and I quickly submitted to get it reissued. They informed me I had to wait 6 weeks. On XX/XX/XXXX I submitted for a check reissue. I was told it could take up to 60 days to get the check reissued. Around XX/XX/XXXX I called again and informed me they had " forgotten '' to process the check reissuance and committed to expediting the check. I just called again today on XX/XX/11, and they said it will take 60 days to process, and there was nothing in their notes about expediting the check. There was nothing I could do but call back the following Monday and wait my 60 days. 

This is a significant amount of money they're holding on to, and although I take full responsibility for the additional 6! weeks it takes to reissue a lost check, I've lost my faith that this check will get reissued at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment date as XXXX. 
XXXX  has XXXX 's last payment status date of XX/XX/XXXX. 

Equifax has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX XXXX  has XXXX 's last payment as XX/XX/XXXX. 

Equifax  has XXXX  's last payment as XXXX. 
XXXX  has XXXX  's last payment as XXXX. 
XXXX  has XXXX  's last payment as XX/XX/XXXX. 
Equifax has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
XXXX has XXXX 's last payment as XX/XX/XXXX. 

Equifax has XXXX XXXX last payment as XXXX XXXX  has XXXX XXXX last payment as XXXX. 
XXXX  has XXXX XXXX last payment as XX/XX/XXXX. 


THESE ACCOUNTS APPEAR TO BE FURNISHED BY THE SAME CREDITOR SO WHY IS IT THAT THE DATA THATS PROVIDED IS DIFFERENT ON EACH BUREAU? IT IS THEIR DUTY TO ENSURE THAT ALL INFORMATION PROVIDED IS CONSISTENT AND MOST IMPORTANTLY ACCURATE. HOWEVER THE CREDIT BUREAUS HAVE FAILED TO DO SO. I HAVE CONTACTED EACH BUREAU SEVERAL TIMES ABOUT ERRONEOUS INFORMATION. EQUIFAX HAS CHOSEN TO BLATANTLY DENY MY REQUEST TO FURTHER INVESTIGATE THE MATTERS.BECAUSE OF THIS APPARENT NEGLECT IN ENSURING THAT EVERYTHING ON MY REPORT IS ACCURATE, CONSISTENT, AND UP TO DATE, I AM HERE AGAIN REQUESTING THAT THESE ERRONEOUS ITEMS BE DELETED IMMEDIATELY.
Product: Debt collection

I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX/ XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on XXXX XXXX. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, a rental and history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TransUnion via certified USPS mail and no response in writing. On Friday XXXX XX/XX/2022, the representative told me they had NOT received any mail from me which is false, I have confirmation that they did received my mail regarding XXXX Bank acct # XXXX and the letter and I will provide that information in the attached documents. My credit score dropped over 100 points between XX/XX/XXXX to present! In XX/XX/XXXX my credit score fell XXXX, on XX/XX/XXXX it fell another XXXX, o. XX/XX/XXXX An additional XXXX points for the same XXXX acct # XXXX. I provided TransUnion and XXXX the attached letter from XXXX bank, where the letter clearly stated XXXX Bank now XXXX Bank received your final payment for the above referenced account and no further payments are required. We thank you for satisfying your obligation with XXXX Bank now XXXX Bank and yet both TransUnion and XXXX were reporting the account was still open with an outstanding balance! There are multiple violations that occurred, starting with XXXX, they never provided me with the information that they were providing to the credit reporting agencies, TransUnion falsely claim they never received any certified USPS mail from me. TransUnion kept reporting inaccurate information even after XXXX was settled and paid on XX/XX/2022, they also reported an outstanding balance to this XXXX acct # XXXX. XXXX also violated The Fair Credit Act by reporting inaccurate information regarding the same XXXX acct # XXXX reporting that the account was still open as a Charge Off with an outstanding balance even after this XXXX acct # XXXX was settled and paid! I never received a response from XXXX regarding the certified USPS mail that was sent to them on XX/XX/XXXX which they also received according to the USPS mail. Both TransUnion and XXXX are well over their 30-45 days in which to respond but never did! I am asking for an investigation into their violations and deleting XXXX acct # XXXX from my credit file immediately. These violations has damaged my credit, as my family and I were about to close on our first home in XX/XX/2022. Thank you in advance and I look forward to and fair resolution to this matter immediately.