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

XXXX XXXX has two accounts showing two different amounts on my credit report. I wrote to XXXX, Equifax, and XXXX to have these accounts removed. I wrote to XXXX XXXX and they are not showing I have any accounts with their company. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting. 
I started my dispute process with all three credit bureaus on XX/XX/XXXX, XXXX, XX/XX/XXXX. When reviewing the information the date of the last activity was on XX/XX/XXXX. My last contact date with XXXX XXXX was in XX/XX/XXXX. This would make the account more than 10 years old.

All three credit bureaus are not reporting the same information. Therefore, the information is not accurate and up to date.
Product: Debt collection

I am writing to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It has come to my attention that the reporting of these accounts and information is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). It is imperative that you take prompt action to remove these accounts and information, as their presence on my consumer report violates multiple laws. I insist on the immediate removal of these accounts and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXXhree negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Master Card - {$1000.00} They closed the credit card completely was current on payments.

XXXX Card - {$250.00} They closed the credit card completely was current on payments. XXXX XXXX Card - {$1000.00} - They closed the credit card completely was current on payments. Lowe 's - $ -XXXX- They closed the credit card completely was current on payments.

Wal-Mart - {$50.00} They lowered the credit amt from {$600.00} to {$100.00} this acct is still open. XXXX XXXX - {$200.00} - They lowered the credit limit from {$800.00} to {$300.00} I was current on payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests since XX/XX/2021, but the unverified accounts listed below are still reporting on my credit report and are violating FederalLaw. The TransUnionXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud 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. Please block/remove these items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters in the past, but this time i decided to keep a paper trail of notarized letters demanding an investigation into why i have so many inaccurate and erroneous information about me on my credit report on XX/XX/XXXX to all the Credit Reporting Agencies, and i got only a summary of my report which was still erroneous. I wrote a second notarized letter to all three Credit Reporting Agencies demanding an investigation into these anomalies, on XX/XX/XXXX, and again Transuion, XXXX and XXXX  sent a summary of my report with the inaccurate information. Finally, i wrote all three Credit Report Agencies warning them that i will have to report to the government agency ( ies ) of their ineptitude, and their response remains the same. I checked my credit report today being XX/XX/XXXX. And the inaccuracies still appear on all my credit report with all three credit reporting agencies
Product: Credit reporting or other personal consumer reports

1. I have XXXX ( XXXX ) closed student loan accounts named XXXX XXXX XXXX XXXX XXXX XXXX that are XXXX ( XXXX ) and XXXX ( XXXX ) years old each. 

2. I have XXXX ( XXXX ) closes student loan account named XXXX XXXX XXXX XXXX # XXXX that is sixteen ( XXXX ) years aold anf XXXX ( XXXX ) months. 

XXXX. I have XXXX ( XXXX ) closed student loan account named XXXX XXXX XXXX XXXX # XXXX that is XXXX ( XXXX ) years old and XXXX ( XXXX ) months. 

According to XXXX, closed accounts that are XXXX ( XXXX ) years old will be removed. These accounts are over XXXX ( XXXX ) years old and continues to appean on my credit report. It is negligent that XXXX which represents XXXX of the XXXX ( XXXX ) credit bureaus, continues to display these closed accounts on my credit report. These accounts has caused my XXXX XXXX not move and my purchase of buying a house. It is believable that the government continues to hold the people of the United States in bondage with this antiquated system. Please delete these accounts from my credit account immeidately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/XXXX ; XXXX, XX/XX/XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX check # XXXX amount is XXXX, checked cashed by fraud, my XXXX says they donot receive the check, and their bank is XXXX XXXX XXXXXXXX, someone from XXXX XXXXXXXX XXXX they cashed the check without endorsement as well, we filed a claim to chase bank and also reported to police we submit all the info to chase bank, and around 8 month later, they reply me on XX/XX/XXXX says cause the XXXX XXXX didnot reply back to them, they close my claim
Product: Checking or savings account

So chime has closed my account without giving me any type of notice or why they closed it. I asked how are the fund going to be sent to me and they replied by saying they have limited access to my account. I would like to know why my account was closed and how to get my money back that was in there.
Product: Debt collection

This account a collection agency is trying to collect on is already closed by the creditors, this account has been closed and settled since XXXX/2016, yet, the creditors and collection agency continue to re- age this debt before selling it back and forth to each other. I had spoken to XXXX XXXX on several occasions and they closed the account, but yet they ( XXXX XXXX ) and ( Midland funding ) keep selling it back and forth ruining my credit more.
Product: Bank account or service

In early XX/XX/XXXX my Key Bank & XXXX debit cards were stolen along with my Driver 's license out of my wallet. Immediately, I reported my cards stolen and the fraudulent charges that were brought upon my account. Unfortunately I was n't fast enough and whomever had already committed their criminal acts. As instructed by both banks, I immediately filed XXXX police reports and came into both banks to sign affidavits. After doing so I played the waiting game. Recently I reached out to both and I had been informed by both banks that my claim was denied. Somehow, this criminal withdrew {$3000.00} from my XXXX XXXX account and just under {$2000.00} from my KeyBank account. The problem is I only had {$10.00} in my KeyBank account and about {$10.00} maybe {$20.00} in my XXXX Account so how were they able to withdraw such amounts? Also, I had my accounts set up so that I COULD N'T go negative. I 'm a student XXXX at the University XXXX so I 'm unable to work and pay off this ridiculous amount nor should I have to because I did not commit the criminal act. I 'm not asking for any money, or anything of the sort. I simply do n't want to be held liable for something I did n't do. All I want is a positive account balance that 's not going to disrupt my credit. I do n't care if it 's a new account at XXXX $ I just want the issue resolved.
Product: Credit card

I have an XXXX XXXX card through dillards. The orignial company that own this card was XXXX, and they have sold it to wells fargo. I have made all my payments on time up until XXXX, when I tried to activate my credit protection benefits and wells fargo the new owner of the card is telling me thy do n't offer that service but I paid every month on my statements for it. I ' experiencing a financial hardship in my life and need this beneift activated. I have called wells fargo and someone was suppose to get back to e regarding this.
Product: Credit reporting

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX Also, by Experian Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX XXXX n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX XXXX XXXX. So, I checked XXXX Texas Debt Collections XXXX website and found out that XXXX XXXX XXXX XXXX XXXX is breaking : " Texas XXXX XXXX XXXX XXXX which prohibits a XXXX-part or credit bureau from engaging in debt collection in Texas unless the XXXX XXXX debt collector has obtain a XXXX bond and file a copy of the bond with the Office XXXX. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.
Product: Vehicle loan or lease

Santander Consumer USA.XXXX 
It has the wrong account balance. The report balance on my credit reports shows {$11000.00}. The online portal shows {$10000.00}. The information that is reported on my credit report inaccurate. CFPD and the credit bureau has claimed that the validated the balance which was not true. The is a federal violation. I demand this debt to be removed. Otherwise, I will have to legal actions with my attorney to get a resolution.
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a 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 seven 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for a vehicle in my name and now it is reflecting on my credit report and this is not my account
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize anyone or sign a power of attorney or consent in anyway or form for any person to open up a student loan for XXXX $ and another student loan for XXXX $ and a XXXX XXXXXXXX credit card for XXXX $ these are all fraudently and i never had the Knowlegde or acess to any of these i want it removed off my credit report asap immediately because it does not belong to me and it is not fair i reached out to get help and nobody is tryna help me with this emergency situation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third CFPB complaint to Equifax to resolve my issue of a split file. I have contacted them on numerous occasions and made three complaints here that were all answered incorrectly by the company. My file has been split into several occasions affecting my credit score and file. If this is not resolved immediately I will be taking legal action against Equifax.
Product: Debt collection

This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character. 

Ive made multiple attempts at reach out to this company by post mail and even through calls to rectify this situation. The attached thread is the letters Ive sent out to this company asking for validation I have yet to receive any response via mail or calls, I kindly ask that this account me removed immediately because this matter cant be validated.
Product: Credit reporting or other personal consumer reports

I currently live in Florida and we were hit with a hurricane last year. This caused the mail to be delayed and unfortunately I became late on a credit card. The amount due was minimal and I was in no financial hardship. I couldve made the payment with ease. I just didnt receive my statement and by the time I received a late notice, I was too late. I had already been hit with a late payment. Its the first in my life time and I am 40 years of age. 100 % of my accounts have always been on time and this dropped my credit score substantially. I disputed the late payment on Experian in XXXX with no positive avail. I recently attempted again and the findings were the same. No attempts were made on my behalf to dispute the reasoning.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was alerted by XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX  services that there were fraudulent inquiries on my Credit Account Report with Experian, XXXX and XXXX. These occurred on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XX/XX/XXXX ( XXXX XXXX XXXX ) and XX/XX/XXXX ( XXXX ). 

I did not request or inquire about any bank loans or credit from these financial institutions. I notified all XXXX Credit bureaus of these fraudulent activities and placed a freeze on my accounts. In addition, I was informed by XXXX XXXX XXXX XXXX fraud department that the recent inquiry ( XX/XX/XXXX ) to their institution was performed by a healthcare company I previously worked for and left in XX/XX/XXXX. I have not had any communication or worked for this company since leaving. They also shared that a previous account listed showed me as XXXX of the borrowers which I was not aware of. 

In summary, these activities are clearly fraudulent and consistent with identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX makes this claim that a nationally recognized collection agency known as Diversified Consultants is trying to collect on a debt from a public utility company known as XXXX, knowing that the legal timeline to enforce any collection on said debt ( s ) have passed a long time ago. However, after several written disputes this collection agency states that the collections will be removed from my XXXX   credit report XX/XX/2023. This proves that at the very least the legal timeline for enforcement has passed, but I want to state for the record that this collection is over seven years old. Diversified Consultants has re-aged these debts to fit into the 7-year timeline of obsolete information. Another part of my argument is that public utilities can not directly report on credit bureaus, as they are regulated through public service commissions on a state level, and not part of any federally regulated entity such as a national bank, thus the Fair Credit Reporting Act does not apply, and my rights are hereby violated under the Fair Debt Collection Practices Act. Diversified Consultants is in violation of their subscriber agreement with XXXX, knowingly posting unenforceable collections on a consumers credit bureau well past the legitimate timeline for reporting. I ask for a full reinvestigation by XXXX  and if documentation proves my position, a complete disassociation with Diversified Consultants.
Product: Credit reporting 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 items 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 any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$140.00}
Product: Debt collection

The account was verfied by a G M Financial employee. on XX/XX/XXXX, XXXX time XXXX : XXXX XXXX XXXX By XXXX employee I D number XXXX i request a 1099 c tax form. From the compy because they have charge this account off. so that i can show this as income on my taxes. this account has been charge off for over 3 years. and the auto company still trying to collect a debt.that has been written off threw the IRS. they are committing fraud.