23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1. ) XXXX XXXX {$720.00} contacted agency several times.
2. ) EOS CCA ( XXXX XXXX XXXX ) {$380.00} This was not my account. I never had service with them 3. ) XXXX XXXX XXXX 4. ) XXXX  5. ) XXXX 6. ) XXXX XXXX XXXX XXXX 7. ) XXXX XXXX XXXX 8. ) XXXX XXXX 9. ) XXXX XXXX 10. ) XXXX 11 ) XXXX XXXX XXXX XXXX XXXX 12. ) XXXX XXXX XXXX XXXX 13. ) XXXX XXXX XXXX -paid off 14 ) XXXX XXXX XXXX 15 ) XXXX XXXX XXXX 16. ) XXXX 17. ) XXXX XXXX # 18 ) XXXX XXXX XXXX XXXX 19. ) XXXX 20. ) XXXX XXXX XXXX XXXX XXXX 21. ) XXXX XXXX 22. ) XXXX XXXX XXXX 23. ) XXXX XXXX XXXX 24. ) XXXX XXXX XXXX XXXX 25. ) XXXX XXXX 26. ) XXXX XXXX XXXX 27 ) XXXX 28 ) XXXX XXXX XXXX XXXX XXXX  29 ) XXXX 30 ) XXXX 31 ) XXXX XXXX  32 ) XXXX XXXX XXXX 33 ) XXXX XXXX XXXXE 34 )
Product: Credit reporting, credit repair services, or other personal consumer reports

The Risecso company opened XXXX. XXXX, 2017 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account
Product: Credit reporting or other personal consumer reports

This inquiry is unauthorized according to 15 USC 1681B2. This inquiry is listed as follows on my credit report as XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Experian 's Misleading Communication and Noncompliance with FCRA Dear CFPB, I am writing to formally lodge a complaint against Experian for their false and misleading communication regarding the dispute process as mandated by the Fair Credit Reporting Act ( FCRA ). My experience has raised serious concerns about their compliance with the law and the integrity of their dispute resolution practices. 

On multiple occasions, I have contacted Experian regarding inaccuracies on my credit report. Despite submitting comprehensive documentation to support my claims, Experian has consistently failed to address my disputes adequately. Their communication suggests a thorough investigation process ; however, it has become evident that they engage in what can only be described as " sham investigations. '' This is in direct violation of FCRA regulations, specifically Section 607 ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of consumer information. 

Experian 's repeated assurances that they contact furnishers and conduct proper reviews are misleading. They have not provided any substantial evidence that they have genuinely investigated my disputes. Their practices not only threaten my access to credit, employment, and housing but also undermine the rights of consumers nationwide. 

As outlined in 15 U.S. Code 1681n, any person who willfully fails to comply with FCRA requirements is liable for damages. My experience with Experian clearly indicates a pattern of willful noncompliance. The CFPB has already acknowledged the detrimental impact of Experian 's practices on consumers, stating that they often conduct investigations that fail to properly address disputes, and this has severe ramifications for individuals financial well-being. 

I urge the CFPB to take immediate action against Experian for their deceptive practices and to ensure that they are held accountable for their failure to comply with federal law. Consumers deserve transparency and fairness in the credit reporting process, and it is imperative that Experian be compelled to adhere to these standards. 

Thank you for your attention to this matter. I look forward to your response and any actions that can be taken to rectify this situation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX XXXX, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms 6. Purchase contract of this account The specific account ( s ) in question are as follows : XXXX XXXX XXXX XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your attention to this matter. I look forward to your prompt response. 


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

As I reviewed my recent report, I have found a lot of erroneous and fraudulent information reporting on my EXPERIAN Credit Report and I am refilling this complaint. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action. I have included my FTC report to support this complaint with the report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. I have contacted each creditor which they failed to provide me with any original signed documentation, by me, stating that I entered into a contract or owe any debt to these creditors. The credit bureaus are violation the FCRA LAW CODE 609A AND WELL AS SECTION 605B. Information that does not belong to a consumer, must be removed within 4 business days of receipt of this information. I have contacted my attorney, who will be in contact with you in case there is not a timely manner and this matter is handled correctly. The following information does not belong to me, and i am requesting under federal law and well as the Uniform Commercial Code, that this information is PERMANENTLY DELTED. 

XXXX/XXXX  # XXXX {$330.00}, XXXX # XXXX {$560.00}, XXXX # XXXX $ {$740.00}, XXXX XXXX  XXXX XXXX {$670.00}, XXXX XXXX XXXX XXXX {$620.00}, XXXX XXXX  XXXX XXXX {$610.00}, XXXX XXXX XXXX XXXX {$560.00}, XXXX XXXX # XXXX {$500.00}, XXXX/XXXX  # XXXX {$2200.00}, XXXX/XXXX  # XXXX $ {$0.00} XXXX XXXX  XXXX # XXXX {$0.00}, XXXX XXXX  # XXXX {$0.00}, XXXX  # XXXX {$610.00}, XXXX XXXX XXXX # XXXX {$370.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXX  XXXX # XXXX {$0.00} XXXX XXXX XXXX  # XXXX {$0.00}. 
FAILURE TO COMPLY WITH REQUEST WILL RESULT IN A LAW SUITE THAT WILL INCLUDE ANY AGENCY REPORTING NEGATIVE INFORMATION TO MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally dispute several unauthorized hard inquiries on my credit report that I believe are a result of identity theft. As a responsible consumer, I monitor my credit regularly, and upon reviewing my recent credit report, I noticed inquiries that I did not authorize or initiate. 
I did not apply for any credit and believe these inquiries were made without my consent, indicating that someone may have fraudulently used my personal information. 
I add submitted a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 30 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress caused on me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person ( s ).
Product: Credit reporting or other personal consumer reports

These account that i disputed for fraud was not deleted. Transunion have violated my fair reporting act laws and should be sued i have sent numerous documents to Transunion about these accounts XXXX  account open XXXX XXXX XXXX account is XXXX XXXX XXXX XXXX XX/XX/XXXX {$XXXX} Inquiries : Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion 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
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no clue how they got there. As part of my routine, I checked my report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Given this issue, I request a thorough review of the documents I've provided so I can put this concern behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus still have fraudulent account information showing which results in a low 500 credit score my family has been devastated and my credit ruined. 

XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX along with countless inquiries for credit still show on my reports since the breech in 2017. Some will come off for a month or two only resurface. I have spent countless hours and am in despair at this point. My life and credit need to be restored and I need help. 

Thank you
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

Radius Global is sending XXXX and XXXX information about a debt that I never knew existed. I have sent letters to XXXX and XXXX, and they just send me letters back stating the debt was verified. I have reached out to Radius Global and asked them to send me the contract that I signed or something showing proof this debt belongs to me.
Product: Credit card or prepaid card

I applied online for a Delta SkyMiles Gold American Express credit card on XX/XX/XXXX via an e-mail offer I received on XX/XX/XXXX that stated if I applied by XX/XX/XXXX and spent {$2000.00} on the card in the first 3 months then I would receive XXXX bonus Sky Miles. I immediately received a notice that my application would be processed. 

On XX/XX/XXXX, I called American Express to ask if my application had been processed and a customer service representative said that my application had been approved. They also said that they could send the card to me expedited so I could use the card for an upcoming flight purchase I planned. 

On XX/XX/XXXX I received the card by mail and made my first flight purchase. 

Over the next 3 months I spent over {$2000.00} on the card and in XXXX I was awarded XXXX in Sky Miles instead of the XXXX as advertised. I called Delta Skymiles customer service and made my first complaint. 

On XX/XX/XXXX I made my second complaint to Delta Skymiles customer service and was told that my investigation was completed  and they found no reason to award me more miles. I informed them that I had actually received several emails with the offer and provided a COID number that I used to sign up for the credit card. The representative told me that they would need to follow up with a supervisor. 

On XX/XX/XXXX I made my third attempt to resolve this issue. I spoke to a representative who named XXXX XXXX ID XXXX who offered me XXXX miles for the trouble but I argued that XXXX is far from the extra XXXX that was advertised and asked to be transferred to a supervisor. XXXX transferred me to a manager named XXXX and I repeated my issue for the 4th time. Again I was told that they would need to follow-up on the issue. 

On XX/XX/XXXX at XXXX I made my fourth attempt to resolve this issue. A customer service representative by the name of XXXX who asked me for the full credit card number and when I declined and offered to only repeat the last 5 for security, he told me I would have to contact XXXX to discuss this with American Express customer service. 

On XX/XX/XXXX @ XXXX I spoke to an American Express representative named Con who told me " The investigation team has confluded that you did not select an option for 70K miles ''. I reminded her that I had several e-mail offers and gave her the COID number that I used with the offer when I appplied. She asked me first details by confirming how I signed up, by clicking on the e-mail, I explained. I also gave her additional information about the phone call I made to check on the status of my application, the customer service representative telling me it was approved and sending the card to me expedited. I was told I would hear back from them after another investigation was completed but I have had no response and no additional miles were added to my account. Con gave me the reference # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a loan with net credit acct # XXXX in XXXX of 2020 i caught XXXX, i was in XXXX for XXXX XXXX  before comming home. i was home for another four months. trying to recover. i didnt return to work till XXXX of XXXX i always made company aware of situation.i made arrangements for settlement on account ahich they agreed.but they reported negative marks on my report. according to cares actsigned XX/XX/2020. if furnisher makes accomdation because you were affected by XXXX XXXX during covered period. that lender must report account as current to credit reporting agency, clearly this was not done
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX VIA CERTIFIED MAIL XXXX XXXX, CA XXXX Discover : XXXX # XXXX Subject : Urgent Request : Immediate Correction of Credit Reporting Errors To Whom It May Concern, I am writing to urgently request the immediate correction of errors in the reporting of my credit account status by all three major Credit Agencies XXXX This pertains to my credit card account with Discover Card, account number ending XXXX Attached statement. 
The erroneous reporting, particularly regarding late payments, has severely impacted my credit scores. Despite my continuous efforts to manage my finances responsibly, these inaccuracies have tarnished my creditworthiness. 
I have already demonstrated my commitment to rectifying the situation by unconditionally paying off the entire outstanding balance immediately upon realization of the reporting errors WHICH RECIVED BY ATTACHED STATMENT XX/XX/2024. 
Given the time-sensitive nature of this matter, I request that expedite the correction process and update my credit report within the next 10 days. Time is of the essence, as any further delay could have significant implications for my financial future.

I implore Discover Agency Name to prioritize this request and provide confirmation of the correction once completed. 
Your immediate attention to this matter is crucial, and I appreciate your cooperation in resolving this issue swiftly. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters out to the three credit reporting bureaus on dates XX/XX/2022, XX/XX/2022, and XX/XX/2022 regarding the verification on the accounts that are reporting negatively on my credit report. To this date I have not received the documents that I requested via mail that were used to verify the account. After various letters, the credit bureaus refuse to remove or correct this inaccurate information on my credit report. Here are a few items I attempted to correct with the credit bureaus but have not been resolved. 

XXXXXXXX XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : This account is not reporting correctly across all three bureaus. The account status is showing two separate statuses. The date that the account was opened is also showing inaccuracies. The high credit balance is showing different. The credit limit on the account is inaccurate. The payment status is not reflecting the same across the bureaus. 

XXXXXXXX XXXX : This account is not reporting correctly according to the FCRA. The date the account was opened is incorrect. The high credit balance is showing differently across all three bureaus. The date of last payment is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date on the account was opened is incorrect. 

XXXX XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. 

XXXX XXXX : This account is not reporting accurately according to the FCRA. The date that this account was opened is incorrect. The balance of the account is incorrect across all three bureaus. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect across the bureaus. The balance on the account is reporting incorrectly. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. The balance of the account is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2021 regarding inaccurate and unverifiable items on my credit report. It has been over 90 days and I have not received a response from anyone. Failure to respond is a FCRA violation of my rights as a consumer. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 90 days, these items must be removed and deleted immediately. I demand these accounts be removed and deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to obtain credit and these inaccurate items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) Experian and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.