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

I have written to Equifax three times. In reference to items on my credit report. They have not responded or investigated my issues with the information they are reporting. 
First letter mailed XX/XX/2021 Second Letter mailed XX/XX/2021 Third Letter mailed XX/XX/2021 I have attached every letter sent to them with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

On Date I 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 like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days 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 t will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your companies. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$180.00}, XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$730.00}, XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$67.00}, anXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}. Also these inquiries : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did chapter XXXX almost 1 year ago and some accounts still showing on my report I need the account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are continuing to report inaccurate information on my credit reports. The student loans from DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX , DPT EDXXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting opened when these accounts are closed. 

This has caused so much damage to my credit reports and has hindered me from getting approvals. I have disputed these accounts with the credit bureaus XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 AND XX/XX/2022 and they have not conducted a proper investigation. 

Because it is no way that DP OF EDUC, U S DEPT OF EDXXXX, US DEPT ED, DPT ED/XXXX XXXX XXXX would have verified that these accounts are opened when they are closed. 

I am demanding that the following accounts DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX  XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, US DEPT ED XXXX, US DEPT ED 4XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX DPT EDXXXX XXXX, DPT EDXXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be deleted from my reports asap due to numerous violations of the FCRA.
Product: Debt collection

Americollect Inc has reported an alleged debt in the amount of {$460.00} total of four accounts to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Americollect Inc obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Americollct Inc on XX/XX/2021 and I await a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX The Credit Bureaus stated my account was properly investigated but how is that possible the last date reported is inaccurate. The last date active is inaccurate, and the payment status says collection/charge-off this is inaccurate information because their can be to different payment claims it has to be either a charge-off or collection it can not be both. The payment history is also inaccurate in shows no activity for the last 3 years with that being stated no actually debt is owed. This is ground for removal and this is a clear violation of my rights. 

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. Also states a consumer reporting agency can not furnish without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT FROM XXXX, TRANSUNION, XXXX
Product: Debt collection

Someone opened a XXXX account using my name last fall at an address that was not mine. XXXX asked XXXX XXXX  debt collection agency to collect. They called me none stop. I finally answered & we agreed the address of the service was not my address. Then another collection agency Berlin Wheeler started putting derogatory info in my credit history, but they never contacted me. I opened a case via XXXX  They are working on it. Berlin wheeler sent a form for me to fill out that wanted so much personal info they would be able to steal my identify. I did not complete that form.
Product: Debt collection

I contacted I C Systems last month via letter sent on XX/XX/XXXX, which they signed for on XX/XX/XXXX. I have proof of my communication with them and they have not responded within the 30 day mark. I requested viable evidence of the account they claim I owe. They are reporting negatively on my credit reports without proving the account is in fact mine, which it is not. I have attached my proof of communication with them.
Product: Credit reporting or other personal consumer reports

accordance with the fair credit act # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose delivered to the consumer not later than 21 days
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXX XXXX  Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!
Product: Checking or savings account

XXXX Number : XXXX Account Number : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : XXXX Phone : XXXX SSN/Tax ID # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : WA Incident Date XXXX XX/XX/XXXX Principal Loss : Contribution Reason : Checking Account XXXX Name : XXXX XXXX XXXX ID # : XXXX XXXX ID # : Phone : XXXX Address : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, WA XXXX XXXX Contribution Ref # : XXXX Email : XXXX Date of Birth XXXX XX/XX/XXXX XXXX Routing # : XXXX Account # : XXXX Account Type : Primary signer Incident Date : XX/XX/XXXX Principal Loss : {$850.00} Fee Reversal : {$310.00} Combined Loss & Fee Reversal : {$0.00} Paid/UnPaid/Settled : Settled Settlement Date : XX/XX/XXXX Delete account [ Collection from my credit report, Delete account [ Collection from my credit report, because of multiple violations of the fair credit reporting act. |
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX, XXXX XXXX XXXX XXXX Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX 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.
Product: Credit card or prepaid card

XXXX XXXX fraudulently charge me erroneous amount of {$XXXX} for baggage without evidence of weight of luggage & receipt & without my consent & authorization. & Chase bank failed to protect me as their customer. 

XXXX XXXX personnel were completely dishonest.
Product: Credit card

Received Change in Terms Notice from Synchrony/JCPenney store card rates are being increased to 34.99 % APR. 

Closed account. Bog banks are at it again, passing on higher costs to consumer. 

JC Penney lost a customer today. Shame on this increase for people with exceptional credit.
Product: Student loan

Received a phone call that I believe to be a scammer looking for info on Student Loans. She called from phone number XXXX ( Florida number ) and left a voicemail. She stated her name is XXXX XXXX she didn't state the name of a company she works for. She stated there would be changes to my student loan and that I needed to call her back to discuss my repayment options. The call back number she left is XXXX. She left me a reference number XXXX. This seems to be a scam because she didn't mention my name or who my loans are through. She had none of my personal info, but she was hoping that I would call her back to give her this information and likely force me to make payments towards some scam no associated with federal student loans.
Product: Credit card

On Friday XX/XX/XXXX I received a notification that my credit card was being used while I was at work. I replied fraud as soon as I seen the charges and called the company to freeze my account. They said they would do an investigation but ended up still charging me for those charges that I did not make because the chip was used. I had my credit card with me so Im not sure how this would even be possible. These charges are affecting my credit and I dont want to be held accountable for some charges that I did not make.
Product: Credit reporting or other personal consumer reports

This morning, inaccurate accounts appeared on my credit report without any explanation. Upon my routine check, I noticed these discrepancies. I refreshed my browser, hoping it was just a glitch, but the errors remained. Hence, I request a meticulous review of the documents I've sent so that I wont have to worry about this again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a fraudulent credit card on my credit report, Account was on XXXXXXXX XXXX XXXX, I just turned XXXX so it's impossible
Product: Mortgage

Truist repeatedly mails me letters falsely telling me my mortgage payment is late and threatening to report me to credit bureaus. I have asked them to stop several times and they refuse to. It should be noted that my mortgage was originally entered into with BB & T, not Truist, so I never had a choice when BB & T merged with SunTrust to form this new bank. But BB & T never sent me these threatening letters. Only Truist has done this. 

I have never made a payment outside the grace period, so Truist has no legal basis to report me and is therefore making baseless threats and false statements. 

I just paid my mortgage on Friday, XX/XX/. I thought that by making a payment a little earlier ( although I have always paid within the grace period and I have every right to use every single day of that grace period ) that Truist would stop harassing me. Instead, Truist has emailed me three times this morning ( so far ) to falsely state that my mortgage payment hasnt been received. 

This is unnecessary harassment. Clearly, Truist is trying to annoy me to force me to make my payment on the first of each month even though I have a grace period every single month per the original note. Truist is using this pressure tactic and sending false, unwanted emails in an attempt to make me forego my rights under the note. I am sick and tired of the treatment I receive from Truist and would refinance with someone else if the mortgage rates werent so high right now.
Product: Debt collection

On XX/XX/year>, I received a bill in the mail for a debt that is not mine. This bill came from XXXX, po box XXXX, XXXX, PA XXXX. This was on the envelope and is in the upper left corner of the bill. But in the upper right corner of the bill it says that it is from Credit Control LLC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. Yet the bill wants payment sent to Credit Control LLC, XXXX XXXX XXXX, XXXX, MO XXXX. They want {$2300.00} paid for some credit card account with XXXX XXXX XXXX. This it is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 


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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Andaccording to 15 USC 1681s-2 they are suppose to 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. 
Resources
Product: Credit reporting or other personal consumer reports

My Citi credit card shows delinquencies which has severely hurt my credit score. I called and paid the balance and they said they would submit a dispute claim so that it would not hurt my credit but I never heard anything back and they just closed my card instead. I had that credit card for over 10 years.
Product: Credit reporting or other personal consumer reports

It is the credit reporting agencies duty pursuant to the FCRA to report correct and accurate information on my credit report and file, however they are NOT. TRANSUNION, XXXX and XXXX are reporting inaccurate late payments for the XXXX XXXX XXXX account. This includes a 30 day late payment notice posted By TRANSUNION in XX/XX/, a 60 day late payment for XX/XX/XXXX  posted by XXXX and and TRANSUNION as well as a 60 day late payment for XX/XX/XXXX  by XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in TRANSUNION, XXXX and XXXX violating my federally protected consumer rights. To add to this I did not give TRANSUNION, XXXX and XXXX written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION, XXXX and XXXX has violated my federally protected consumer rights under the FCRA and inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

On XX/XX/XXXX I received notice that XXXX reported a collection on my report from Jefferson Captial System for XXXX. 
I never received any information from Jefferson for to validify this debt. 

This is the 3rd collection company that have purchased this debt, and no one can verify the alleged debt. CFPB case XXXX with XXXX XXXX was closed and removed from my report because it was NOTverified, fast forward 2 years later it is purchased again with Jefferson Capital System . How many times can this alleged account be purchased and not required to provide proof as stated as my right under 15 USC 1692g Sec. 809 ( b ).
Product: Credit reporting or other personal consumer reports

when i log into my Equifax report it wont show my score, it wont let me unlock it, it wont let me do anything and i pay a monthly fee for the report, i called and they verified me and they can not unlock it. I get transferred around. This is a glitch every so often that causes me to waste 3 hours.
Product: Debt collection

Nationwide Recovery systems reported to my XXXX Report a debt for which I never received a statement or collection letter. I Paid my bill today XXXX. XXXX agreed that it should have never be sent to collections because Nationwide reported all mail returned. I paid and XXXX told me that Nationwide should take that collection out of XXXX and/or any other Credit reporting company within the next 48 hours.