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

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase B ank USA N is repeat edly accepting fraudulent applications for credit cards in my name. Each time Chase Bank accepts a fraudulent application they run a credit card inquiry through  XXXX . Each time they make an inquiry based on the fraudulent application m y credit score g oes down. I have asked them to not accept any more fraudulent applications with my identifiers and asked that they not make any more inquiries on my credit through any reporting agencies. They politely declined my request. I have fraud alerts with all of the reporting agencies but that does not keep Chase Bank from making inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF ED/XXXX XXXX Balance : {$2300.00} ; DEPT OF EDXXXX XXXX Balance : {$3800.00}
Product: Credit card or prepaid card

My BOA XXXX XXXX  I have had for at least 15 years and the interest rate went from 15.74 % in XXXX of 2022 to over 19 % now. I have never been notified about the interest going up and I have tried to get BOA to lower the interest so I can get the bill under control. 
I have had to transfer money to other lower interest cards, but I can just transfer so much so I am stuck with this higher interest rate. My Interest rate was consistently 14-15 % from XX/XX/2022 back about 7-9 years. 
It is near to impossible to get out of debt when half your payment is going to interest. There are fees that they charged along the way here and there and I can not figure out why I was charged the fee. I have been a good customer and had good to great credit for many years. Pay on time. 

I also went from no fees for checking and savings to fees around the same time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account number 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I did my research I know the credit bureaus have 30 days to reply back and they haven't. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Due to that I researched. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am begging for help at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a formal complaint because I have " Hard Inquiries '' on my credit report regarding a credit card which I did not apply for, and I can not seem to get anything settled with the company on my own. I came across an inaccuracy on my credit report and as advised I submitted a dispute via XXXX XXXX. Upon receiving word back from XXXX XXXX they stated that " XXXX XXXX XXXX XXXX/XXXX '' are claiming the information they reported to be accurate. I then contacted the creditor through telephone.. they claim that they do not have any accounts open in my name, closed in my name, and they can not find any credit application within their systems. They claim that they do not have my name or social security number in their files, but they sure did make a negative impact on my credit scores. I do not know exactly how it happened, but I do know that I never authorized or gave any sort of consent to the creditor ( s ) " XXXX XXXX XXXX XXXX/XXXX  ''.
Product: Debt collection

0n XX/XX/ XXXX which is Barclaycard at XXXX XXXX thn at XXXX XXXX XXXX at XXXX XXXX thn at XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX, XX/XX/ XXXX XXXX XXXX XXXX   XX/XX/ XXXX ; XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/ XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX  this happen everday just like the previous days, calling my phone harrassing me, calling up to 4 times in one day ... everyday
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are requ
ired to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Three inquiries were made on my credit report. None of which were me. See below for details. I spoke to all three in XX/XX/2018. XXXX and XXXX submitted retractions and the inquiries were removed from XXXX, but still remain elsewhere. XXXX stated they dont keep a record of inquiries and said they would send a letter. They never did. I called today and they suggested this site. I need all three removed from my credit report across the board ASAP. 

XXXX/XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft please remove this XXXX inquiry from my credit rep
Product: Credit reporting, credit repair services, 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 updating because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check that found out later to be a fraudulent check, that I received for a job that I applied for on XXXX  and was told to cash the money once the funds were available and that happened on XX/XX/XXXX and deposit that cash into a Bitcoin ATM, on XX/XX/XXXX in the morning the check was returned and funds were talking out my own money, I contacted the bank Navy federal Credit Union and was told by them that they cant help me out and that I have to pay the negative balance that I now have.
Product: Debt collection

I have reached out to this creditor several different times to request the validation of a account in which they claim I owe XXXX dollars, I ask them to provide me with copies of any documentation associated with this account bearing my signature and they have yet to provide me with this information. My first letter was sent certified mail on XX/XX/2018 and my second letter also sent certified mail was sent XX/XX/2018. By this company not validating the debt in a reasonable time frame they are in violation of the FCRA & FDCPA therefor I am requesting that the company delete the entry from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely EQUIFAX, XXXX AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am contacting you regarding an incorrect report on my credit profile concerning my mortgage account with XXXX XXXX XXXX XXXX. After a recent review of my [ Experian, XXXX, or XXXX ] credit report, I noticed late payments recorded that do not align with my payment history and the terms of our agreement. THE FTC TOLD ME YOU GUYS HAVE TO FIX IT AND This misinformation is connected to my name, XXXX XXXX XXXX, and the following account : Account Details : Creditor : XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Balance : {$330000.00} Highest Balance : {$340000.00} Monthly Payment : {$2900.00} Account Opened : XX/XX/XXXX Term : 360 months Current Payment Status : Current Worst Payment Status : XXXX Days Late On-Time Payments : 71 % Times XX/XX/XXXX Days Late : XXXX Creditor Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  I have consistently maintained this account in good standing, yet there is an erroneous record of late payments, which severely impacts my credit profile and harms my future financial and professional opportunities. This error is damaging to my financial stability and creditworthiness and undermines my ability to secure favorable loan terms and employment. 

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are permitted to disclose consumer information only with the written consent of the consumer. I have not authorized the inclusion of inaccurate late payment data on this report. Additionally, FCRA 1681 ( a ) ( 2 ) ( A ) ( i ) provides exclusions to certain disclosures, clearly delineating cases where information should not be part of a consumer report. 

I demand that these late payment records be deleted or corrected on my report within four business days. Please notify me promptly upon completion of this correction. 

Thank you for your immediate attention to this matter. 

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

For the past 4 years Ive been trying to fix my credit report. I have gone through 2 loan agencies and they have both told me that it appears my credit is frozen. Ive contacted all 3 credit bureaus. XXXX, XXXX and Experian. All three Ive called, sent my personal identification to request a unfreeze lift. All three have came back saying there are no reports of my frozen account. With this supposed freeze I can not do anything with my credit. Nothing can be pulled through various bureaus and the bank I use.
Product: Credit reporting

XXXX XXXX is reporting that my current account status on ( XXXX ) old accounts is 120+ days past due. This is incorrect. This account was closed and tranferred in XXXX XXXX. I have disputed this info several times to ( both the XXXX and XXXX XXXX ) failed to fix this. This is severely impacting my credit.On my Experian report, they are stating that I am 120 days past due in XXXX XXXX. Again, incorrect.
Product: Credit card or prepaid card

My name is XXXX XXXX. This was my first credit card and have kept the account in good standing since inception in XX/XX/XXXX.

Back in XX/XX/XXXX - My co-signer on the account filed for Chapter XXXX and XXXX XXXX automatically closed the account. 

I'm the primary holder and this person has nothing to do with me. The account was always in good standing, never ever bad. 

They closed my account and intentionally deleted it off all credit bureaus to hurt me personally. It took my score down and made it appear as I have not established a long credit history. 

The company also went so far to list the account as a charge off. Why would you charge off an account that was never behind? And list it as bad debt on the person that didn't file for bankruptcy. 

Makes no sense. They refuse to reinstate the account or take the other individuals off as it has nothing to do with me. I find this very shady and fraudulent. 

Called compnay last on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX  XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. As required by the Fair Credit Reporting Act, I contacted the XXXX major credit bureaus : XXXX and XXXX resolved and removed the fraudulent account from my credit report. 
Experian has not resolved this issue and continues to report this identity theft account on my credit report. 

It is not my intention, but if this matter is not resolved I will take legal action as false, misleading and inaccurate information is being reported on my credit report in clear violation of the fair credit reporting act. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e.

The following account is the result of identity theft. 
Fraudulent account name : XXXX XXXX XXXX  Fraudulent account XXXX Dispute Reason : This account is an identity theft and was opened without my authorization. 
This account is not mine. I have never had any kind of commercial relationship with this company. 
I do not understand how this account can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions on my behalf, much less reach an of course, payment arrears. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification.

Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e.
Product: Debt collection

I have requested repeatedly copies of the agreements with my signature or sales vouchers. I have only received statements that does not have my signatures to validate the accounts
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$XXXX} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$XXXX} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$XXXX}. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX, Inquiry date, XX/XX/XXXX, XXXX/XXXX  Inquiry XXXX, XX/XX/XXXX, XXXX, Inquiry date, XX/XX/XXXX, XXXX XXXX, Inquiry date, XX/XX/XXXX, XX/XX/XXXX, XXXX  XXXXXXXX XXXX credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus reporting 30 day past due for the month of XX/XX/XXXX. I requested the creditor to fix the problem and bureaus to fix the problem multiple times. This account was never 30 days past the due date. The due date for this account was on XX/XX/XXXX. I made the payment on XX/XX/XXXX. It posted on XX/XX/XXXX. 30 days past due would be XX/XX/XXXX. The payment was late but not 30 past due.
Product: Debt collection

Received an email on XX/XX/XXXX saying that my credit score has changed. a new collection was placed by Jefferson Capital saying that I opened an account with XXXX  in XXXX of 2023 I havent been with XXXX in XXXX years. Showing as a new collection and drop my score XXXX points. I was never notified by mail, email, or phone call from this company. This company has been in multiple lawsuits for illegal legal business practices. Ive tried contacting them, and each time Im put on a hold.
Product: Vehicle loan or lease

Paid {$1000.00} in XX/XX/year>, paid {$570.00} with credit card in XX/XX/year> paid {$140.00} on XX/XX/year>, and paid {$570.00} on XX/XX/year> and a 30 day late was put on my credit report for {$140.00}. Supervisor from XXXX  said as a courtesy they will not charge me a late fee or penalize me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, Hard inquiries : 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 : It also states a consumer reporting agency can not furnish an 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.