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

I looked at my report recently and noticed somethings are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporti my agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the indivisiual about whom the report relates. 
I sent a letter asking them to investigate these accounts listed below because XXXXXXXX XXXX XXXX Open date is not reporting correctly, date last active date of last payment is not correct, this account is not mines. 

Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$640.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past month and some change, Ive been going to WAR with Equifax. I had a ton of inquiries that I truly didnt authorize. I sent a verification letter ; came back verified. Called Equifax to see what all I can do to get these removed they told me I had to call the creditors to request a Letter of Deletion. I called each creditor. Theyre telling me they have no record of my name in their system and stated they cant generate a Letter of Deletion to send to Equifax. Called Equifax back and stated that Ive done what theyve told me but the creditors arent budging. Sent a letter requesting the Method of Verification and requested specific DETAILS of their investigation ; results came back verified AGAIN!!! At this point, Im livid. I started becoming more aggressive, calling back-to-back, no support ... .no nothing! I had lack of support during this tedious process. I feel violated and compromised as well as devalued as a consumer! Below are the inquires I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am trying to get my vehicle perfect payments back on my credit profile I noticed that it mysteriously disapeard after yelling out of anger at a Navy Federal repXXXX All I am requesting is that they ad the account back to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax requested a clear ID, to verify my identity. I attached the picture of my ID below. Hopeful that they will remove the inaccuracies as mentioned in CFPB complaint # XXXX, or provide a full detail in the investigation of the dispute.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments 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 payments for the account : ( XXXX XXXX  ) ; ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card or prepaid card

Barclays ' Luxury Card allowed service members to receive an annual fee waiver and receive 0 % APR benefits under their then-current policy regarding the Servicemembers ' Credit Relief Act. Now, suddenly and without warning, they are threatening to charge my account with the annual fee, a complete reversal of their prior policy. I now have to close my account or face the possibility of being slapped with a {$990.00} fee. It is ridiculous that they do not allow a grandfathering of those accepted to be cardmembers under their previous policy, and are now leaving servicemembers with the difficult situation of paying the fee or being forced to close their account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these account are authorized user I did not authorize also account that where open fraudulently
Product: Debt collection

10-40 calls a day from Portfolio Recovery. They use deceptive tactics by using third party phone number service and uses a calling number similar to my number and alter the call Id to an actual name.
Product: Credit card

XXXX XXXX-paid in full with XXXX balance need to come off credit reportXXXX XXXX XXXX XXXX paid in full XXXX balance need to come off credit reportChase Card -paid off XXXX balance needs to come off credit reportXXXX XXXX-XXXX balance need to come off credit reportXXXX XXXX paid off need to come off credit reportXXXX XXXX- Recent balance not updated-paied monthly payments
Product: Credit reporting or other personal consumer reports

Auto loan has been placed on my tranunion and its not my account Also a apartment
Product: Checking or savings account

I opened an account with XXXX XX/XX/year>2024 and was suppose to receive a {$100.00} gift card by speaking to a banker regarding my finances, XXXX XXXX. I called at least XXXX times about not receiving a promised gift card and was told they are working on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a certified letter to Experian about the affirm accounts on my credit report. I never received any sort of communication back within the 15 days I requested in the letter. also, they have not fix the problem on my credit report and when I call in about it, the representative told me to quit calling.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft, and I am providing the following details for your attention : XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX. XXXX XXXX XXXX ) XXXX. Please delete this account ASAP. I kindly request that you remove the inaccuracies resulting from this identity theft from my credit report. I appreciate your cooperation and understanding in this matter and trust that you will handle this case expeditiously in compliance with the law.
Product: Checking or savings account

Certainly, here 's a template for a letter requesting deletion of your personal information from an early warning system : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XX/XX/2024 Dear Early Warning I am writing to request the deletion of all my personal information from your early warning system in accordance with data protection regulations, specifically [ mention relevant regulation if applicable, e.g., GDPR, CCPA ]. 

Please find below the details necessary to identify and delete my information from your records : - XXXX XXXX - Address : [ Your Address ] - XXXX - XXXX - Any other identifiers or information associated with my account : [ Provide any additional information that may help identify your account ] I understand that under [ mention relevant regulation or company policy ], I have the right to request the deletion of my personal data. I hereby exercise that right and request prompt action to ensure that my information is permanently removed from your systems. 

Please confirm in writing once my request has been fulfilled and provide assurance that my personal information has been securely deleted from all databases and backups. 

Thank you for your prompt attention to this matter. If you require any further information or clarification, please do not hesitate to contact me using the details provided above. 

Sincerely, XXXX XXXX --
Product: Debt collection

In accordance with the fair credit reporting act and 15 U.S. Code Chapter 41, this creditor has violated my rights. Under 15 U.S. Code 1692c - Communication in Connection with Debt Collection : XXXX. Limitations on Contact : Debt collectors can not contact me at inconvenient times or places. Specifically, they can't call me before XXXX XXXX. or after XXXX XXXX. unless I agree to it. This company calls and texts me even after I have requested them to stop in writing and verbally. I have received calls at XXXX XXXX  on a Sunday. If I request that a debt collector stop contacting me, they must cease communication, except to inform me of specific actions, like legal proceedings. 
XXXX. No Contact at Work : If I inform a debt collector that I can not receive calls at my workplace, they must stop contacting me there. This company has called my work place. 

Under 15 U.S. Code 1692g - Validation of Debts : XXXX. Debt Validation Notice : Within XXXX days of first contacting me, a debt collector must send me a written notice with details about the debt, including : * The amount owed * The name of the creditor * A statement of my rights to dispute the debt XXXX. Right to Dispute : I have the right to dispute the debt within XXXX  days of receiving the notice. If I do so, the collector must stop collection efforts until they provide verification of the debt. I have not received a notice. 
XXXX. Proof of Debt : If I request it, the collector must provide evidence that you owe the debt, which may include documentation from the creditor. My credit report has been negatively affected and I did not give the company permission to furnish any items on my credit report. This debt has not been validated and I did not receive any notices prior to the item being furnished on my credit report.
Product: Credit reporting

I was filing for my credit report and they started asking incorrect information about me. It stated I had mortgage loans being open around XXXX XXXX, Retail cards being opened around XXXX XXXX & a bank card being opened around XXXX XXXX and all of that is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I've been out of the country since last year : XX/XX/XXXX - XX/XX/XXXX I had XXXX on my XXXX XXXX XXXX XXXX. In XX/XX/XXXX I was XXXX by an XXXX while walking across the street. Put off XXXX till now. 

In XX/XX/XXXX - I left to XXXX and just now got back.2 weeks ago. 

I made a payment on XX/XX/XXXX, on my account and set up automatic payments on the same day because I knew I was going to be gone. 

So I traveled to XXXX for XXXX then to XXXX where I did my XXXX, which is also my native home. Because of XXXX high crime and ties with fraud, I couldn't access any of my accounts from that country. 

Upon arriving about a little over 2 weeks ago - XXXX has given me about XXXX late payments. 


I see whats going on and made a complaint to XXXX on XX/XX/XXXX, in regards to the matter was not given any help of any kind. All I was told is that it doesn't show in their system of automatic systems being set up.It 's obviously a tech error. That's not my fault. 

I have never had an issue with XXXX till now. Is hows a Tech error my mistake? 


They have cost me almost 150 points of my credit when a fault was made on their end a fault - THEY HAVE SYSTEMS IN PLACE THAT CAN PROVE. 

I'm dealing with recovery and have been emotionally stressed because now my back is against the wall for a mistake by XXXX and every time I call I get the runaround, instead of them taking responsibility and doing what needs to be done so I can get back to my normal life. 

Please help me get all those false missed payments off my credit. 

Already beginning to consult lawyers about possible legal action against XXXX in regards to the issue.
Product: Debt collection

I tried contacting this Debt Recovery Solutions company about a debt that I allegedly owe. I did not get anything in the mail regarding this debt nor was I given the opportunity to dispute it. I obtained their information from my credit report and I called them in early XX/XX/2019 to ask them to validate the debt and the person on the phone told me " You know this is you. We know that you owe this debt. '' I gave the person on the phone ( who refused to give me her full name or rep ID ) my address in order for them to send me documentation that validates the debt with a contract, dates, signature, and specific ownership of the debt. I never received anything yet the collection is still on my credit report. As of XX/XX/2019, I have noticed that the same company has added another collection, which I also have not received anything in the mail in order to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX and XXXX appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$510.00}
Product: Credit reporting or other personal consumer reports

This dispute encompasses two primary issues : 1. Identity Theft Account : The first issue relates to an account on my credit report that I believe resulted from identity theft. This account was added to my credit report without my consent, making it a potential case of identity theft. The accuracy of this information is being disputed as it is not related to any transaction initiated by me. 2. Inaccurate Auto Loan Reporting : The second issue pertains to an auto loan account that is inaccurately reported as not paid in full despite being satisfied more than 60 days ago. Additionally, the payment history for this account inaccurately portrays the month of XXXX as 30 days late. Subsequent to XXXX, no further activity has been reported, which raises questions about compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Bank account or service

On XXXX XXXX, XXXX I filed a claim to citi bank regarding unrecognized debit {$8000.00} which debit on my account # XXXX on XXXX XXXX, XXXX. The claim number is XXXX. Customer has asked CITI bank to return {$8000.00} to be back immediately. The debit {$8000.00} was deducted from my account on XXXX XXXX, XXXX. No one from Citi bank to call customer to verify this transaction. Also according to recipient 's claim : they NEVER received this {$8000.00} so far. It caused me immediate attention that CITI bank has made error. I can not tolerate this at all. CITI bank never brought me any benefit instead all losses : such as lost interest at least {$7000.00} from XXXX XXXX to current XXXX ; Promotional bonus {$500.00} and XXXX thank you points ; Whole property damages {$400000.00} due to bill pay caused problem ; all disputed transaction can not be honored ; customer 's privacy such as all transactions were released.
Product: Credit reporting or other personal consumer reports

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the XXXX  and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing multiple hard inquires on my credit report by XXXX XXXX bank which I have not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 three 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 XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit card

I called the XXXX. They quickly transferred me to XXXX. Who once again immediately dismissed my claim. And stated that they just administer based on the warranty provided to them by Discover. XXXX provided me a copy of the warranty in place in XXXX. I questioned the language and showed him where I was confused based on his denial. He stated that he was not allowed to change or interpret the language. But was instructed to deny the claim based on the language. The language in question is that of a " Covered Purchase '' XXXX Warranty defines Covered Purchase as : " personal property, including gifts items, not otherwise excluded, that is purchased in full by the Insured Person using your Discover Card. '' XXXX Warranty defines Covered Purchase as : " personal property, including gift items, not otherwise excluded that is purchased by the Insured Person using your Discover card. " Yet still my claim is denied? The other language change added to the XXXX description included the line : " This coverage only applies if the Insured Person charged the entire cost of the Covered Purchase, less amounts paid with either cash, store credit, gift cards issued by Discover, or other noncard network branded gift cards, to the Insured Person 's Account during the Policy period. This coverage also applies to Covered Purchases that are paid via installment plan, as long as all installments due up to the date of loss have been charged or debited to the Insured Person 's Account. " It appears my exact scenario is what is described in the XXXX language ... And it is how I as the consumer interpreted the original XXXX language. Thus I used my Discover card and Discover rewards, along with a gift card to make the major purchase of a Flat Screen LCD TV. I now feel like the information was misleading and deceptive because I was not made whole by your third party administrator on the benefits that I believed came with my card when I made the TV purchase.
Product: Money transfers

To Whom it may concern, My name is XXXX XXXX on XXXX,2015. I went to Walmart and sent my mother {$310.00} plus {$9.00} thru Money Gram. It is now XXXX,2015 and they wont refund my money nor give my Mother the money I sent to her. I have called continously with no avail and visited Walmart with no avail. MoneyGram employee 's have given me bogus names and agent id numbers and hang up in my face. The only thing I want is my refund. Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.