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

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, Experian Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting uniformed information to my consumer report dated XX/XX/2017. Numerous attempts have been made yet the company continues to violate 15 USC 1681. nothing is fair in regard how this company work. They are making my life stressful. I feel as a consumer.
Product: Debt collection

Does that appears as being paid in full on experience credit bureau and is also being reported to credit, that this debt has been paid in full as of XX/XX/year>2022 I believe however it has been paid in full it comes up as XXXX XXXX XXXX and the debt is paid in full. Please remove this off of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number XXXX for my mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date.

This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 
Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/scrub> 2024 2024
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX, ( 5 ) XXXX XXXX XXXX, ( 6 ) XXXX XXXX XXXX , ( 7 ) XXXX XXXX XXXX XXXX , ( 8 ) XXXX XXXX , ( 9 ) XXXX XXXX . 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

due to the immense impact of the notorious coronavirus some companies have accidently reported negative items on my report. i assure you i have been on time as i can and i should not be held responsible due to the pandemic.
Product: Credit card

When I attempted to change the email address on my PayPal acct, the company apparently opened a separate PayPal Credit acct with my information and automatically applied my next charge to the new acct -- so instead of my initial charge being paid off with the credit card on file, they charged me interest and late fees. When I contacted them to complain, they offered to close the acct if I made a payment of half what they claim I owed. I did this, and then several days later I received a new statement showing my payment and adding another late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ONEMAIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at XXXX. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report. 
Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card

I have had my capital one credit card for 7 years and recently the account was compromised due to identity theft. when I contacted Capital one they recommended as a security measure blocking online access of the account. 

Every time I contacted capital one the fraudster would call them call back to undo what I did. The individual who stole my Identity was able to have the credit card reissued and I do not know the new account number. As a last security measure I had to close the account to protect myself. 

I reached out to capital one to regain access to the online portal and they several times had me scan my ID and SSN card when they got it back they kept claiming that it is blurry and they can not unlock my online account. when I asked to receive statements they refuse to send them to me and told me that I can pay by phone. I advised them that it is my right to see the statement of charges before I make any payment. 

Yet the creditor refuses to mail statement to my home address that I have lived at for almost 2 years. Meanwhile the account continues to accrue interest and late charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XX/XX/2018 and spoke to a rep about inquires I did not place all she advise was soliciting a product not listening to my issues which is a result of fraud all she can say is contact the company who place them. Transunion had a breach for the public information we should not have to suffer for their lack in protecting consumers information. I called a 2nd time the same day for help the rep advise to send a letter to all creditor I advise not listing to what Im saying at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION. BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Product: Credit reporting or other personal consumer reports

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

BOA is showing a negative account being reported from 2012! this should not be on my report. 

XXXX XXXX XXXX XXXX is also doing the same thing Please erase files off of my report. Account is being shown inaccurately and hurting my credit report. 

I am a hard working individual that never misses a payment. All of my bills are paid on time. I can show my credit report to verify. 

I will attache where my dispute was approved after a through investigation from another bureau. Both accounts have been deleted from other bureaus. 

Please help me. Many Thanks
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XXXX XXXX, I sent XXXX XXXX XXXX a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, XXXX XXXX XXXX has failed to provide any of the requested validation, w

hich includes : 1. Proof that I owe the debt and that the amount is accurate. 2. The name and contact information of the original creditor.

3. Documentation showing their legal authority to collect the debt. 

Additionally, despite failing to validate the debt, XXXX XXXX XXXX has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 or other personal consumer reports

Bank of America stated they would remove the account once I paid it. It's still showing all kinds of negatives and inaccuracies and top of it .... it's STILL Reporting on my credit. I am trying to purchase a home for me and my family and this is REALLY Hurting me. PLEASE PLEASE can you assist me in getting this removed. I paid IN FULL, XXXX of XXXX.it is Now XXXX of XXXX. 
Thanks so much! 
XXXX XXXX
Product: Credit card or prepaid card

I filed dispute XXXX with the CFPB against XXXX on XX/XX/XXXX regarding the inaccurate reporting of a late payment on a credit card account. The negative information caused my credit score to drop by over 70 points. 

I received a response from XXXX on XX/XX/XXXX explaining that they would investigate the matter but they have no record of my initial dispute. On the same day that XXXX   responded to the complaint they also notified XXXX XXXX of the significant drop in my credit score even though the information was in dispute and the investigation had not been completed. 

XXXX XXXX decreased my credit lines based off of XXXX  reporting dated XX/XX/XXXX. XXXX XXXX proceeded to decrease my lines of credit through XXXX, XXXX XXXX, and XXXX XXXX further effecting my score. 

I had not requested an additional credit card or an increase so I did n't understand why a report was being pulled on XX/XX/XXXX or why I was up for review. XXXX XXXX customer service representative explained that no request had been made and I was not up for review but that XXXX just reported the significant drop in score and other negative information. 

The error regarding the late payment was quickly corrected on XX/XX/XXXX. My credit score was updated with XXXX and XXXX and increased however not to its original score. I explained to XXXX XXXX on XX/XX/XXXX that the error was corrected and my score should 've increased. They told me I had to request a credit line increase and pull my credit. However my score was still down over 70 points. The representative at XXXX XXXX   explained that XXXX would have to notify XXXX XXXX with the change or update to my report before a new report and score would be considered to increase my credit line. Even though the error was corrected and my score has increased, this error and the reporting by XXXX  after I filed a complaint has continued to be detrimental to my overall credit and finances with back to back credit line decreases. XXXX has not notified or updated my information and XXXX XXXX continues to decrease my credit lines based off of the XX/XX/XXXX credit reporting of XXXX. I do n't make late payments to XXXX XXXX or anyone else nor am I in jeopardy of not being able to pay my bills. I did not make a late payment however I 'm being treated as if I have and my credit continues to be effected. Why exactly was the drop in score reported while in dispute but once it 's corrected it does not trigger reporting or an update to creditors. It is unfair to make decisions on my ability to pay on incorrect and outdated information and then continue to further damage my credit with credit line decreases. 

I would like my credit lines increased. I would like my information updated. I would like to stop being treated as if I do n't pay XXXX XXXX, XXXX, and XXXX XXXX every single month. I would like my credit score to stop being effected over an error that has been corrected and was not my fault.
Product: Credit reporting or other personal consumer reports

I have been dealing with this with XXXX and XXXX for years. Today marks over 6 years since I paid the loan off completely. Yet still dealing with XXXX making false claims. Now today XXXX reports a late payment from XX/XX/XXXX which is highly not true to go along with XXXX reporting one for XX/XX/XXXX which isnt true. This loan was paid in full enclosed after dealing with two hurricanes which left the house flooded and left us displaced which Vanderbilt through my insurance company put us in a hotel both times this account was never late, but yet almost 7 years later, still affects my credit history as being the only late payment on my report. I manage XXXX accounts all 100 % this account must be updated on all three credit bureaus to paid in full closed never late and any late payments reflecting be removed immediately. It has been almost 7 years. This is becoming highly disturbing and upsetting. Vanderbilt has put me in a position to where the only negative thing on my credit report is this one account from almost 7 years ago that was paid in full and closed in XXXX. There are no late payments. XXXX and XXXX needs to remove them. XXXX did the right thing they called. They spoke with the representative at Vanderbilt and got the answers. They needed incorrect at the same day.
Product: Credit reporting or other personal consumer reports

I am submitting proof of this inaccurate information on my credit report. This account is showing the account 90 days late 4 months consecutive in a row. This is impossible and this is unfairly affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters to all the 3 credit bureau in XX/XX/2022 to do a complete investigation .I recieved a respond back that they have done a complete investigation and everything is 100 % accurate.

According to the law 15 U.S. Code 1681a The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

XXXX XXXX  ( Account XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3200.00} Status : Closed XXXX. XXXX XXXX XXXXXXXX ( Account XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Status : Closed XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Status : Open XXXX. XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ - Status : Paid Closed XXXX. XXXX XXXX XXXX, XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ - Status : Transferred Closed XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Status : Open Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked to validate the accounts on my credit report from both Credit Bureaus and alleged debt collectors. I have sent letters pointing out the inaccuracies in the accounts. ( Ex : date of last activity is not consistent, account status is not 100 % accurate and some account numbers are not consistent ). The FCRA, 15 U.S.C. section et. seq. states that access to consumer credit report records and promotes ACCURACY, fairness and the privacy of personal information assembled by Credit Reporting Agencies.

This has hurt my ability to obtain credit and demand removal of accounts by the alleged collectors from my credit report.
Product: Credit card or prepaid card

I told the lady I was filing a complaint and she almost laughed over the phone at me because I was asserting my rights. All I was trying to buy was a {$350.00} futon. I get more than enough XXXX to afford it but Im trying to repair my credit. According to the email they sent me I was denied for insufficient income/Low income. According to the FTC website they can not knowingly and willingly deny me credit since my income is guaranteed and it comes from XXXX payments. 

The FTC website also states I can pursue a cause against the company in federal district court for a claim of discrimination and recover punitive damages. I am thinking seriously about it. If theyve done it to me theyve done it to someone else. A violation of this matter the s also a possibility violation of civil rights. For everyones information : to bring a suit in federal district court you need to ask for at least {$75000.00} in damages. 

Regardless how this turns out I will write a notice on XXXX review and XXXX warning them to stay away at all costs. That you must need to make {$50000.00} to be able to buy from there apparently. The poor and medically XXXX arent wanted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, Transition, XXXX, and XXXX does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Company Name : XXXX XXXX XXXX  Date : XXXX 2022 Amount : {$990.00} Actions That Were Taken ; I submitted identity theft paperwork as well as a police report. 


Fraud Account Remove Immediately. 
Company Name : XXXX  Date : XXXX 2022 Amount : {$0.00} Actions That Were Taken ; I submitted identity theft paperwork as well as a police report.