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

see incoming XXXX of cow XXXX from all bureaus. All accounts are updated " with disputes '' claiming they will be removed XXXX. 

Disputed accounts were opened in XXXX or earlier AND CAN NOT BY LAW BE POSTED UNDER ANY FILE beyond XXXX. I formally demand all bureaus compliance forthwith- to include TAPE ARCHIVES destroyed of all accounts- all sub accounts- and all associated companies TAPE ARCHIVES and other stored data also be destroyed. 

If accounts are not reporting- then I further can not be lawfully liable -even internally to ANY COMPANY - whether I have had relations in the past or not with said company. XXXX doesnt seem to understand this facet of federal CONSUMER PROTECTION law. I will dare sue XXXX XXXX and XXXX XXXX if they continue to persue debts. This also goes for XXXX and XXXX . I OWE NO ONE- I WILL OWE NO ONE. CAR and house notwithstanding- I should not legally be denied for either- yet I am - based on continued UPDATED SLANDER which no company or bureau will compensate me for. Instead bureaus lower my score in retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank made a hard inquiry on my credit report in XX/XX/2018 without my consent. I have had no dealing with Discover Bank, nor have I applied for a line of credit. It appears that someone is trying to access my line of credit availability. 

What can I do.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item is what i am disputing. 
1. Your in violation of 15 U.S CODE 1605 ( a ) and 15 U.S CODE 1666B XXXX XXXX  Account Number : XXXX Please remove inaccurate late payment for XX/XX/2023.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/year> XXXX XXXX  XX/XX/year> Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Former : XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Employers : XXXX XXXX XXXX Employers : XXXX XXXX : XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Name : XXXX XXXX
Product: Credit card

I am a victim of a data breach with XXXX separate instances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I created an account with XXXX XXXX to purchase a car. I got pre-approved, took my approval letter to a dealer XXXX XXXX to purchase a car. They said they had to verify the content and would see if I can get a better rate than what I was quoted. Without my knowledge or consent, they shopped around my information to multiple sources resulting in multiple inquires. I called them and they said that I approved that but I told them it was never made clear to me that they would run my credit multiple times resulting in 4 hard inquiries and that I would never agree to that if I knew what they had planned to do. I didnt know this occurred until I just got a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if Experian is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by Experian. 

According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and Experian has refused me that right. I made a call to Experian XX/XX/XXXX and was denied my right by a rep name XXXX. 

Furthermore there is a bankruptcy that is reporting on my credit file that does not belong to me. I have disputed this several times and it is constantly coming back as accurate and there is no way this bankruptcy belongs to me. I have written the court and asked that they explain to me why this bankruptcy was showing on my report and I never filed bankruptcy and the US Bankruptcy court advised me that they do NOT share information with the creditors. 

In XX/XX/XXXX a law was passed stating that medical bills and bankruptcys can not show on someones credit report if the report does not have a special feature that proves its you. ( Such as date of birth last 4 of ss # ect ) I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does whatsis right under the law.
Product: Vehicle loan or lease

Hello! I traded in a vehicle & the old auto loan was paid in full  on XXXX and it should have updated with a XXXX  balance in XXXX as it was paid in full before the billing cycle for that month closed out. It's now been a month and a half now and they still haven't reported as paid in full after I've made 5+ requests. Please have them report this as paid in full immediately, thank you!!
Product: Mortgage

My husband and I are XXXX. We purchased our first home on his VA loan cert 30 year fix loan in XXXX. We filed Chapter XXXX in XXXX after the housing market crashed. The CHXXXX was discharged in XXXX XXXX. The bank has not removed our names from the Title due to the Soldiers/Sailors Civil Relief Act. Stated although there was a court order lifting the stay, ( allowing them to foreclose or short sale ) they could not remove our names from the XXXX. We want to have our names removed from the XXXX and update our credit report correctly. Still shows this is ongoing debt post the ChXXXX discharge. Our BK Lawyer to immediately surrender the home. Our family of XXXX vacated the property in XXXX. We did n't know at the time we should have waited for the title to be transferred out of names prior to vacating the property. We trusted our lawyer 's advisement. This is a huge concern, because we understand we are liable for any accident ( s ) on that property. The bank has not foreclosed or short sales the home. We have filled out paperwork for a Deed in Lieu in XXXX XXXX. We have been renting since XXXX. Our current rental lease is up in XXXX XXXX and we would like to purchase another home for our family and maintain stabilty. We are not able to complete this process until our names have been released from the Title. We are both currently XXXX XXXX and are earning an increased salary. We are going to be stationed in this area until we retire. Please help us expedite this process so we can move forward and have a stable home for our family.
Product: Debt collection

In XXXX of XXXX, my wife and I executed a lease with XXXX XXXX XXXX XXXX, as we were having a home built. The end date was XX/XX/2019. 
On XX/XX/XXXX I contacted XXXX and said we would be vacating early and chose a date of XX/XX/2019. XXXX accepted that date and agreed to market the home accordingly. They instructed us by email and letter as to how to leave the home on XX/XX/2019. They rekeyed and denied access as they had accepted the home back on XX/XX/2019. 
Beginning in XX/XX/2019 they claimed we owed rent through XX/XX/2019. 
I have requested numerous times they correct and in each case they have unilaterally refused. I have offered 3rd party arbitration or court and agreed to abide by any 3rd party findings. 
They then reported derogatory information to the credit agencies, and I disputed all. 
My position is that I paid through XX/XX/2019 as agreed and they have unilaterally taken steps to damage my reputation, XXXX XXXX and such. 
I have attached a portion of my supporting documentation. 
They took the house back on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

This is not a dispute, this is a demand! 

Notice to agent is notice to principal and notice to principal is notice to agent Dear [ XXXX XXXX XXXX ], I, XXXX XXXX XXXX, am writing to you regarding the XXXX BANK, XXXX. account # XXXX reported on my consumer credit report. Based on the information provided, this account should be removed from my report, as XXXX Bank has been violating my rights for over XXXX years now. 

The overview of the XXXX BANK, XXXX. account indicates that the balance is {$0.00} and the account is closed. Additionally, the payment history shows that the last payment was made on XX/XX/XXXX, with a current payment status of " Charge-off. '' Under the Fair Credit Reporting Act ( FCRA ), inaccurate, incomplete, or unverifiable information must be removed from a consumer 's credit report. As established in the Supreme Court case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), the FCRA requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Since this account has a {$0.00} balance and is closed, it should be deleted from my report. 

Alternatively, if the account has been paid in full, it should also be removed, as the purpose of reporting the account has been satisfied. Maintaining a closed, paid-in-full account on a credit report can have a negative impact on my creditworthiness, as held in the Ninth Circuit Court of XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

XXXX BANK, XXXX. has been violating my rights under the FCRA by continuing to report this inaccurate and outdated information on my credit report for over XXXX years. This account was previously disputed, and XXXX followed the rules and deleted the account. However, Transunion and XXXX did not, and are currently in willful violation of my rights. Transunion and XXXX did not complete the investigation within the allotted XXXX time frame, and I filed a CFPB complaint, yet they still did not delete the account. This is harming me, and each company is liable for a {$1000.00} violation ( per month that it was reported since my first dispute in XX/XX/XXXX ), respectively. 

I kindly request that you investigate this matter and remove the XXXX BANK, XXXX. account from my consumer credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

This complaint is against Marriot XXXX XXXX credit card under Chase Bank. 
About a month ago ( XXXX half of XXXX ), I did an online application. The offer under Marroit XXXX XXXX card is XXXX free night rewards ( each night valued up to XXXX points = XXXX pts ) after you spend {$3000.00} on purchases in your first 3 months from your account opening. I have received my credit card last month and have already fulfilled the terms and conditions. Unfortunately, up to this day I had only received half of the XXXX points as promised. I have called and spoke countless times with customer service reps and supervisors to amend and update my points but to no avail. They refused to oblige and look further regarding the issue. Because according to them, my application was only good for the XXXX free points offer contrary to the offer online of XXXX points and as agreed over the phone with the agent who processed and approved my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to dispute inaccuracies on my credit report as well as an authorized items on my credit report I 've contacted all three credit bureaus and disputed all of the items that were not authorized and inaccurate I was asked to send in a police report which onXX/XX/XXXXI did as well as a Federal Trade Commission report was made as well as I 've sent in letters stating these were not my accounts they were inaccurate or they were not authorized by myself I 've received a confirmation that I would be having these remaining on my credit report and I 'm not sure why I needed to send in documentation pertaining to the case if they were not going to help me I am trying to get my credit report to reflect the accurate files and items that I have accumulated
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of [ specific account ( XXXX ) or inquiry details, if available ] on my credit report. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, consumer reporting agencies are only authorized to furnish credit reports to entities that have a permissible purpose as defined by law. 

I have reviewed my records and can confirm that I never provided written consent for [ furnishing entity 's name, e.g., " Sallie Mae Bank XXXX '' ] to access or furnish my information. Absent my explicit consent or a valid permissible purpose, any such action constitutes a violation of federal law. 

Therefore, I demand the immediate removal of the unauthorized entry and any related information from my credit file. Additionally, please provide me with : The name and contact information of the entity that requested or reported this information. Documentation evidencing their permissible purpose and my written authorization, as required by XXXX XXXX. XXXX. If no such evidence exists, I expect confirmation that this entry has been removed within XXXX  days as required by law. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I was notified on XX/XX/XXXX that Convergent Outsourcing, Inc., had put a collection notice on my credit reports with XXXX and XXXX, which was apparently reported on XX/XX/XXXX. This is for XXXX XXXX. 

In XXXX or XXXX XXXX, I contacted XXXX XXXX. They apparently provide cable in XXXX XXXX, which is where the account was set up. I have never lived in XXXX XXXX and have never opened any type of account with XXXX XXXX. I had never even heard of them. 

XXXX XXXX informed me that the account was fraudulently opened and is identify theft in XXXX. A police report was filed with a police department in the City and State where I live. 

Previous reports on my credit report of this debt from a different agency were removed in approximately fall or XXXX of XXXX. XXXX shouldn't be allowed to continue to mess with my credit this way. I've submitted disputes again against the Convergent Outsourcing, Inc. reporting. They shouldn't be able to do this either.
Product: Credit card or prepaid card

I HAVE SUBMITTED COUNTLESS DOCUMENTS TO VERIFY MY IDENTITY AS WELL AS CONSTANTLY HAVING TO GO THROUGH A SEEMINGLY ENDLESS VERIFICATION PROCESS EVERY TIME I USE MY CARD. THEY KEEP LOCKING THE ACCOUNT AND THEN DEMANDING TO SEE ONLY MY DRIVERS LICENCE. I HAVE EXPLAINED NUMEROUS TIMES I DO NOT FEEL COMFORTABLE WITH SENDING THAT AS I HAVE ALREADY HAD MY IDENTITY STOLEN ONCE. THEY THEN TELL ME ITS THE ONLY WAY THEY WILL VERIFY ME AND THAT MY ACCOUNT WILL STAY LOCKED UNTIL I SEND THEM MY LICENCE AND ONLY THEN. THEY STILL REQUIRE ME TO PAY ALL FEES AND CHARGES ASSOCIATED BUT REFUSE ALL ACCESS TO MY OWN INFORMATION OR ACCOUNT.
Product: Credit card or prepaid card

Wells Fargo closed my credit card account without giving me notice. The credit card was current with no late payments. It had a XXXX balance, I have 3 other accounts including a paid in full car loan, another card paid in full. 

Their reason was that 12 years ago I had a late pay. It was not an issue when they issued me the card. Another reason given was that my cash accounts ( checking & saving ) did not have high enough balance. I have over XXXX in savings in other banks. 

Their reasons are not legitimate -it also caused my fico score to drop because my avail credit dropped!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two letters via certified mail to the three credit bureaus and they have refused to delete the incorrect information. I gave them my only personal information to include my name, address, phone number, and employer. The first letter was in XX/XX/2021, the second letter was XX/XX/2021. It is my belief that the over 16 addresses, 8 aliases, and 9 different phone numbers were provided by some persons or companies that have not yet provided verified proof of debt. I have provided proof to all three credit bureaus of my only name, current address, phone number, and employment. This is detrimental to my credit as I am currently attempting to purchase a home. I have already been denied twice ; me and my family are suffering from the three credit bureaus lack of action.
Product: Checking or savings account

DO NOT CALL, EMAIL, TEXT ME EVER! 
READ MY COMPLAINT YOU ARE IN VIOLATIONS OF SEVERAL LAWS, RULES, AND REGULATIONS. 
NEXT STEPS WILL BE TO ESCALATED TO THE OCC, FDIC, FBI, DEPT OF TREASURY AND JUSTICE TO START. 

I AM THE ONLY XXXX XXXX AND THIS BANK HAS OUTDATE INFORMATION AND HAVE BEEN TOLD SEVERAL TIMES. 

XXXX VETERAN, NATIONAL ORIGIN, SEX, AGE, RELIGION TO NAME A FEW OF THE PROTECTED CLASSES I AM A MEMBER OF. 
ADA, XXXX XXXX, FAIR HOUSING ARE A FEW OF THE MANY LAWS IN VIOLATOIN. 

A VETERAN CAN'T FOCUS ON HER HEALTH AS COMPANIES SUCH OF THESE HAVE POOR SECURITY TECHNOLOGY AND PEOPLE. 

IT IS APPARENT THAT NO ONE IS COMPLETING AND UNDERSTANDING THE REQUIRED TRAINING. IT IS ALSO CLEAR THAT TRAINING ISN'T ENOUGHT BECAUSE NO ONE IS RETAINING THE IMPORTANT LAWS WHILE THEY CONSTANTLY VIOLATE THEM AND ARE STILL IN VIOLATION. 

ALL THE INFORMATION THEY HAVE IS OUTDATED. I HAVE MOVED OVER XXXX TIMES STILL LIVING IN HOTELS DUE TO COMPANIES LIKE THIS THAT DO NOT ADHERE TO THE RULES IN PLACE. 
TRUTH HURTS BY TRUTH XXXX XXXX CONSULTANT. FORMER AUDITOR FOR BANK XXXX XXXX HIGH RISK ONLY AND XXXX 3RD PARTIES. I AM VERY FAMILIAR WITH LRR.
Product: Debt collection

I have a collection on my credit from this company that is not mine. I called the company to have it removed but they wouldnt. It seems to be a utility bill out of texas and i dont live there and have never even been.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report for the second time and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The account should show paid on time. The consumer reporting agencies need to report all information with complete accuracy as well. I'm now requesting you all investigate this account and update these late payments to paid on time immediately besides this is a violation of 15USC 6802 b. I DID NOT GIVE PERMISSION TO REPORT ANY OF THIS PERSONAL INFORMATION TO ANY THIRD PARTY.

15 USC 6802b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not to be disclosed to such third party.
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that XXXX XXXX XXXX have verified that the accounts they are reporting under my name is accurate. 

I challenge the accuracy, compliance, and report ability of this listing.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within ( 15 ) days of the completion of your re-investigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification in unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. 

More case law of non-compliance, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for breaching your duties to maintain reasonable procedures and to reinvestigate under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for taking an unreasonable long time to reinvestigate a dispute and failing to delete inaccurate or unverifiable information.