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

I'm sending a complaint in accordance with the Fair Credit Reporting Act 's guidelines to ask that the account, which I believe to be erroneous and incomplete, be looked into right away and REMOVED on my credit report. I think Equifax has not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I am not legally responsible to pay the credit card bill or any debts that build up as an authorized user. This information seems to be confusing. I need this to be removed immediately! 


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

XXXX XXXX XXXX is in Violation of my consumer rights, they have continually disregarded my disputes of inaccuracies along with not complying to my original dispute but have only stated the account has been verified.. although I have paid off the account in full and it is closed they are still showing late payments that are inaccurate and false this is affecting my consumer report they have had more than enough times to fix this false reporting which is playing a huge part in my credit score fluctuations causing issues with promotions at work and trying to buy a home.. I am extremely exhausted with this situation not having any justification or explanations to me the consumer please delete all PAYMENT that are hurting my report The CFPB states if your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. 
If your account is already delinquent and you make an agreement, then the creditor can not report you as more delinquent ( such as reporting you as 60 days delinquent when you started out 30 days delinquent ) during the period of the agreement. If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. I have the documents proving that I made payment agreements and they still reported late which is a violation of my rights
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance Owed : {$480.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00}
Product: Debt collection

Metro Collections Services is in violation of : 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ), and 15 USC 1692 C ( A ) I do not have any contract with Metro Collection Services and never received one after a request was made. What they sent ( a print out of an alleged bill ) is not acceptable and illegal. This collection is INACCURATE and needs to be deleted immediately! I do not owe this collection company and have never signed any documents or agreements with them! This is in violations of the CDIA laws!. **This collection account is not accurate, verifiable, nor is it compliant to CDIA or FCRA laws. Fraudulent misrepresentation is a crime punishable by the law and you are committing it Also you are violating my consumer rights to fair credit reporting. Please delete this off my report! Let me remind you of the importance of removing any unproven claims from your reporting about this account. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claim that you make, especially with regards to the mandatory XXXX XXXX Compliance standards. As you are aware, these standards are clearly outlined in the XXXX 's nearly annual XXXX, which stipulates that any deviation from these standards risks compromising the integrity of the data. I contacted them numerous of times and I never got the information needed. They also have a notarized letter coming to them that they can not ignore or I will file legal action. Please DELETE ASAP!
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act this creditor JPMCB Card Services located at XXXX XXXX XXXX XXXX, DE has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

I have called XX/XX/2024 and tried to get this handled but was told there is nothing they could do. I sent an email to the XXXX XXXX XXXX and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB representative, According to my XXXX, XXXX  and XXXX Credit file I filed for bankruptcy. Before this FALSE INFORMATION was reported, my credit score was a 700+ and my balances were very low. I wasnt having credit issues and no need to file for bankruptcy. However, someone elses bankruptcy is being reported on my credit file. As you can imagine this has drastically impacted my credit score. After speaking with a representative from each company I was advised that the Lexis Nexis Consumer Center and XXXX XXXX XXXX is where they received this false information about a Bankruptcy. However, when I reached out to both of these agencies they either told me that they couldnt find my information or that the bankruptcy had been verified ( They never sent me any proof of verification ). Moreover, XXXX has completely ignored my request to tell me where they received this false information and to remove it. Even after I gave them proof ( letter from the bankruptcy court they have listed on my credit reports ) that they made a mistake and must remove it from my credit report. 

Frustrated, I decided to contact the Bankruptcy court, and they informed me that they do not provide anyone with a debtors full social security number, and they do not perform any activities with the credit bureaus. They also stated that they couldnt find the case name or number. I have attached documents of proof to this letter. CAN YOU PLEASE HELP ME RECTIFY THIS MATTER. My credit score means everything to me and this issue has really set me back. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX COMPANY : PAYPAL. ACCOUNT NUMBER : XXXX I put my paypal credit report that has many errors already marked for you to identify them and also the document where I pay them has doubted in its total. 

And they agreed to remove everything late payment 's and remove everything in 30 days and they haven't done it yet I hope you will help me with this inconvenience because it is affecting my credit history. I hope that in 30 days they will remove it immediately and update my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX -XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB DEPENDENTS CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I have 4 collection account with the same credit agency midland credit mangement and they keep playing with the credit amount by either saying I paid {$1.00} and then the next month add a dollar back on like it trying to reset the time of debt. Haven't even talked to these people or responded always dispute online and that on woman within and XXXX XXXX account.plus I closed these account when I moved out of town they where to send final bills for the 4 accounts but instead let it stay open and get late fee charges when I personally called and closed these and ask them for detailed last payment /monthly payments amount /and details of items I bought and the recorded phone call since it was recorded everything I called it should show that I closed ghe acount so how are there fees know all these cards don't make since. I been disputing this since the beginning of the year practically ever month
Product: Debt collection

I am unaware of the debt in reference, I have not had a loan or contact with either company referenced in the threatening email that they sent. They have contacted me multiple times, usually via phone, making the same threats to me.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable re-investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts, unresolved. The consumer financial protection bureau CFPB has recently file a lawsuit against XXXX alleging, systematic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing.to adequately notify consumer of disputed outcomes these failures align with my experience where XXXX has neither corrected nor removed disputed items despite the evidence I provided causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX inaction violates federal laws and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

A credit alert was send to me of an unknown company. I did not request anything feom this company. XXXX XXXX XXXX XXXX  ) Please delete do not grant credit
Product: Debt collection

A call claiming to be the daily news contacted me last year saying I owed money. I never had the daily news. Now a company called a.r.m solutions inc say I have been sent to collections. They want {$35.00}. The mail is dated for XX/XX/2020. The company is in A.R.M solution inc is from XXXX, California. The daily news saying account receivable from XXXX, KY.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed I had late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on a payment. This account XXXX/DEPT OF ED OPENED XX/XX/XXXX AND XXXX/DEPT OF ED OPENED XX/XX/XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate XXXX states I was late however XXXX states I was never late. This is a violation of the Fair Credit Reporting Act. 15.US Code 1681e- Compliance for Accurate reporting.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in  accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Money transfer, virtual currency, or money service

XXXX XXXX went to XXXX and no could tell me where the money went back in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial has inquiries on all 3 of my credit reports that I did not authorize, I tried having this removed from my credit file with all 3 credit Bureaus and they state Ally Financial verified it, however I never authorized it. the dates are XXXX XXXX, 2016and XXXX XXXX, 2016.
Product: Checking or savings account

Staring XX/XX/2017 there was fraudulent activity not on my part my debit card & identity was stolen as a result of that I have not been able to open a bank account saving or checking account I didnt take action before but Im now doing anything I can to take matters into my own hands Early Warning Signs has made it to where no banks will allow me to have a bank account. I have detailed dates and amounts in the attachment.
Product: Credit reporting or other personal consumer reports

I am writing to address the unauthorized information included in my credit report. This data is inaccurate, unapproved, and unfairly affecting my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding an error on my credit report, which I believe is being improperly reported and has caused me significant concern. I have reviewed my credit reports from both Experian and XXXX and found a new account on my Experian report that I do not recognize. 

Specifically, an account has been reported as " closed with a {$0.00} balance '' on my Experian report, and the source of the information is listed as XXXX. I did not open or authorize this account, and I am concerned that this information may be incorrect or the result of a reporting error. 

I have already attempted to resolve the issue directly with Experian and XXXX but have not received satisfactory clarification or resolution. I believe that the credit bureaus may have violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information, and I am seeking assistance from the CFPB in addressing this issue. 

The details of the account in question are as follows : Creditor Name ( as listed on report ) : XXXX XXXX XXXX Account Number ( if available ) : XXXX Date the Account was Reported : XX/XX/year>2025 Source of Information : XXXX
Product: Debt collection

I have been contacted by a collection agency on behalf of XXXX. I asked for verification of debt to be mailed to me, I was instead placed on hold and told that I had XXXX hour to respond to them or they would file charges. I advised that under federal law it was illegal to threaten me. I was then told they know the law and accused me of not wanting to pay a debt I owe. When I stated I wanted to verify I owe the debt and it was n't fraud, I was asked if I have a police report. Advised I do not because they have not sent me written verification in order to do so. I was then threated again that charges would be filed. 

This is a clear violation of federal law. They would not provide me with the company name, instead the supervisor hung up on me. Another violation. I called back and asked for the company name and was only given SPP.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inquiries listed on my credit reports I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I wanted to bring to your attention that I have previously submitted dispute letters to all three major credit bureausExperian, XXXX, and XXXX an effort to have inaccurate and outdated information removed from my credit report. Despite providing all necessary documentation and following the required procedures, none of the disputed items have been removed or corrected as requested. This issue remains unresolved, and it is critical that this matter be addressed promptly. The inaccurate information is negatively impacting my credit standing, and I am requesting immediate action to ensure that my credit report accurately reflects my financial history. Please advise on the next steps, as I am prepared to take further measures if necessary.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. 

XXXX. Wrong Date of Birth : My Date of Birth is : XX/XX/year> XXXX. Wrong Employers : My employers is XXXX XXXX XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my ID and social security number and used it without my consent and knowledge. The person also gained a rental and car lease in my name. A credit card and insurance account was opened in my name as well. I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # XXXX ; XXXX On XX/XX/2022, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to pay my statement balance which was {$860.00}. When I logged back into the Citi site the next day, the payment amount was {$770.00}. I called Citi and was told that my payment was in the amount of {$860.00} and that any display of a {$770.00} payment was in error. Today ( XX/XX/XXXX ), I received an e-mail from Citi stating that my payment had been reduced to {$770.00} due to exceeding the account balance ( despite the fact that it did not exceed the account balance at the time it was initiated ). I always pay my balance off in-full, as I do not want to pay interest. I called Citi again. The rep asked how he could help. I explained the situation, and only heard dead air. I asked several times if he would respond. He did not. I called again, and asked if I could file a complaint against the first rep. Again, dead air. I need to know if my payment was reduced and if so, why. I need Citi to confirm that I will pay no interest as a result. I need Citi to tell me why two reps hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there my name is XXXX XXXX I have a Situation with XXXX XXXX XXXX XXXX is I tried to fix so many times with the Experian credit bureau that are already resolved with XXXX and XXXX I had two accounts with XXXX XXXX XXXX XXXX of them was closed with no balance in XX/XX/2016 and The other one was Return Wich was settled with a XXXX Dallars balance cause my ex wife has paid the balance off before return it it's all started after we had an argument with the manager cause he never reported the Two accounts to the credit bureaus we wanted him to report the Two accounts cause we believe that could help hours credit for some reason instead he decided to mess up my credit buy reported false information to the credit bureaus, I already fix the problem with XXXX and XXXX but Experian refuse to fix the problem I disputed so many times with Experian every time they change the informationon the credit report the status or the amount they should a see there is something really wrong with this I disputed more than sux times every time they have a different amount and status please help me fixing this situation. The XXXX XXXX XXXX address is XXXX XXXX XXXX, XXXX, GA XXXX