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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. I have reviewed my credit report and found that the following information is incorrect and/or incomplete. Please investigate and verify the accuracy of this information as required by the Fair Credit Reporting Act ( FCRA ). 

US DEPT ED Account Number : XXXX According to my credit report, there is a negative item associated with this account. However, I would like to request that you verify the payment status, balance, comments, payment history, and account number, as they may be incorrect. If there is an error, please fix or delete this account from my credit report completely. 

XXXX XXXX Account Number : XXXX I have noticed that there is a negative item associated with this account. However, I have no record of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this harmful incorrect data immediately from my credit file. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - This address is not correct. I request that you delete it immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -This address is not correct. I request that you delete it immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- This employer belongs to someone else. I request that you delete it from my credit report immediately. 

The following personal information is incorrect Account XXXX : XXXX XXXX - This employer belongs to someone else. I request that you delete it from my credit report immediately. 

As per the FCRA law, I am entitled to a response from you within 30 days of your receipt of this letter. I kindly request that you complete your investigation and provide me with a written response within this timeframe. I also request that you notify all credit reporting agencies that you have contacted regarding these errors. 

Thank you for your assistance in this matter. 

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

Per the FCRA, as a federally protective consumer, I am now opting out of any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.

I Sent out notification multiple times last year for opt out and transaction reporting letter notification needs to be addressed as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates contained with my credit file for XXXX XXXX are incorrect and the credit bureau is in violation of the FCRA. In accordance with the FCRA the collection agency must report the origianl date of delinquency and this date is not allowed to change by law. In a effort to reage the account XXXX has filed incorrect dates. In accordance to the FCRA the creditor must report the debt from the original date of delinquency. The information XXXX has in the file is incorrect and the credit bureau is in violation. They did not review XXXX   documentation prior to reporting the debt.
Product: Credit reporting or other personal consumer reports

Experian needs to delete, dismiss or remove ALL COLLECTIONS 15 USC 1692, ALL HARD INQUIRIES 15 USC 1602, ALL LATE PAYMENTS 15 USC 1666 ( B ), BECAUSE OF EXPERIAN I CAN NOT RECEIVE A LOAN OR ANY TYPE OF CREDIT.. DO TO THE BLUT VIOLATION OF CONSUMER LAW. 15 USC 1681 PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY. 15 USC 1681 5-2 ( 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 INFORMATION ... CONGRESS PASSED FCRA REMOVE NEGATIVE ITEMS FROM YOUR CREDIT REPORT. 15 USC 1691 & 12 CFR 1002, YOU CANT BE DENIED CREDIT DUE TO CREDIT SCORE, CREDIT HISTORY, OR INCOME.. ANY ADVERSE ACTIONS IN CONSUMER CREDIT TRANSACTION IS ILLEGAL. TITTLE 15 SUBSECTION 1611 FALSE AND MISLEADING DENIAL OF MY OWN CREDIT. EXPERIAN IS NOT A TRUE CREDIT REPORTING AGENCY.
Product: Credit reporting or other personal consumer reports

I have noticed several unauthorized inquires in my credit report that I want removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have contacted the credit bureaus and have filed disputes but have unsuccessfully been able to get these items removed. 

XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Business Type : Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX CAP ONE NA Inquired on XX/XX/XXXX Business Type : Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX CARD Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/XXXX and on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX XXXX  XXXX, XXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Complete Department Stores XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX and on XX/XX/XXXX Business Type : Sales Financing Company XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Farm And Garden Supplies And Services - non specific po box XXXX XXXX, XXXX By mail only XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired XXXX XX/XX/XXXX Business XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX Cards XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX : Mortgage Reporters XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

Money was stolen electronically from all of my accounts with Chase Bank. {$24000.00} from my Money Market Savings Account. There was also {$5000.00} stolen out of both my checking and my savings accounts at separate times and numerous smaller amounts. When I realized that money had been being drained out of my account I called Chase Bank and asked to put a stop payment on the withdrawal and it was not performed. Also Chase Bank neglected to put my money back into my account after that happened to my supposedly insured money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Consumer Loan

BMW XXXX Financial Services, by means of deceptive trade practices, wrongfully repossessed the vehicle from the representative of the Estate XXXX, when, I, XXXX, contacted BMW Financial to request payoff balance for the vehicle. Only until I wrote a letter to XXXX XXXX, President and Chief Executive Officer, BMW XXXX Financial Services, XXXX XXXX, did BMW XXXX Financial Services acknowledged their mistake by their misinterpretation of the XXXX XXXX Texas, Probate XXXX XXXX Estate Affidavit and Court Order for the Small Estate of XXXX XXXX XXXX. Nonetheless, XXXX XXXX XXXX wrote me back and in his letter dated XXXX XXXX, 2016 ( see attachment ), XXXX XXXX apologized for the negative experience and customer service experience that I, as the Representative of the Estate experienced. Additionally XXXX XXXX advised me the repossession fees, in the amount of {$470.00} would be reimbursed to me, XXXX XXXX XXXX the fees as I paid with certified in my name and referencing the account number of the deceased. 
However, when I received the check ( see attachment ), it was made payable to the decedent, XXXX XXXX XXXX and not myself. I wrote BMW Financial XXXX and once again I included the Probate Court Documents and further requested, by and through designated powers as being the Representative of the Estate, that the check be rewritten and made payable to : XXXX XXXX XXXX on Behalf of the decedent. As advised by my attorney previously, I have done this type of death notice and request with XXXX XXXX XXXX XXXX Bank and a few other companies holding any and all personal property of XXXX XXXX XXXX, to release such property should be transferred to the rightful Heir/Representative of the Estate of XXXX XXXX and it was successful. 
A letter dated XXXX XXXX ( see attachment ), 2016 XXXX XXXX, Special Accounts Team Leader, wrote back saying, " We are unable to send refund to anybody other than the account signers ''. 
This is in clear disregard of Texas Probate, Estate and Heirs ' property law. Among other Texas Deceptive Trade Practices law violations to issue a check to a deceased person, knowing there is NOT an XXXX Bank account as it is not necessary for XXXX Estate Administration in Texas. This is just another deceptive trade practice that BMW XXXX Financial Service has issued a refund with NO intentions or good faith of making good the fund distribution to the Estate representative for Estate settlement purposes.
Product: Student loan

My payment was due on XX/XX/year> and I paid the full {$100.00} on XX/XX/year>. The payment is fully processed in their system and the funds were removed my bank account. My account is showing past due by 6 days even though the payment was received prior to the due date. I called on Friday ( XX/XX/year> ) and was told that XXXX system showed I was fully paid and that the past due payment was a glitch on my side that would be resolved. I received an email on Sunday ( XX/XX/year> ) stating my account was past due. I called on Monday ( XX/XX/year> ) and was told that it was not a glitch and that my payment was received, just not allocated to my loans. I was told it would be fixed by XXXX on XXXX. On XXXX  ( XX/XX/year> ) my account was still showing past due and I called NelNet back and was told that it would be fixed by XXXX. I called back at XXXX and was told my request to allocate my payment was rejected and that I could not get a letter stating my account was not past due, because they incorrectly allocated my a payment making it past due, even though the payment itself was not past due and paid prior to the due date. This is a reporting error on XXXX side as the payment was made timely and they made an error with allocating the funds to the loan.
Product: Credit reporting or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED WITH LEXISNEXIS ( PUBLIC RECORD XXXX XXXX XXXX XXXX XXXX XXXXXXXX WITH LEXISNEXIS, AND IN RESPONSE, THEY VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Product: Debt or credit management

I have been receiving calls for over a month from XXXX Premier Lending regarding a loan application which I never submitted. They call me from multiple numbers every day and leave voicemails. I block every number when they call but it never ends. It says to Press 1 to speak with someone or speak 9 to be removed from the list. Every time I press 9, but it doesnt ever stop. I have not personally noticed any charges or identity being stolen, but it doesnt mean it hasnt been. Im unsure how to make this stop. I probably get XXXX calls a day. Please make it stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there are lots of accounts on my credit report that does not belong to me
Product: Prepaid card

I have XXXX - {$XXXX} American Express gift cards that I have been trying to use towards a cruise. XXXX, the travel agency will not take them. The cruise line accepts American Express credit cards but not the gift cards ; I called and spoke with a representative who tried to use them unsuccessfully to make payments. I tried to purchase XXXX XXXX gift cards with them and was declined. American Express gift cards states to just try using them at random merchants and they might work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants of California for an amount of {$460.00} now reporting {$550.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), upon further research, this account was transferred/sold, and I am no longer responsible for this account. 

Additionally, I am allowed under the Health Insurance Portability Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. My request, Therefore, is twofold per validation of debt and HIPPA authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.
Product: Credit reporting or other personal consumer reports

These erroneous entries have severely affected my credit standing, resulting in a significant drop in my XXXX score. Consequently, I am experiencing considerable financial distress, which has hindered my ability to obtain credit and manage my financial obligations effectively. 

Given the substantial impact this situation has had on my financial well-being, I urge you to treat this matter with the utmost urgency. I request that these inaccuracies be thoroughly investigated and that the erroneous items be blocked and removed from my credit report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX OF XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX : {$55000.00}.
Product: Debt collection

I periodically look at my credit reports. I've received two emails one from XXXX and the other was from the XXXX XXXX. It's a credit repair company that's handling negative items on my credit report and disputing them on my behalf. Anyway I looked at my XXXX report and I noticed there is another collection on my report that I have nothing to do with. They are a third party collection company called DRS. The original credit I believe is XXXX XXXX and they said that I opened an account with them in XXXX of this year. I can assure you that it's not true. So I went to XXXX dispute department to dispute this false claim and have it investigated so XXXX emailed me back today and said that this company claims the the information that's being reported on my credit report is accurate and it will remain on my file. I know nothing about this account. I need it removed immediately because it's damaging my credit rating.
Product: Debt collection

This company continues to hit my credit for a bill or something, I am not even sure about. Initially I called the company and they are asking me to pay a debt for an address in Alabama that was on my credit due to fraud. I have never even been to Alabama. I do not understand how or why they continue to hit my credit for something over and over again. I am in fear of contacting the company again because of the harrasment and repeated hits on my credit report. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is account on my credit report that is not mine. XXXX XXXX {$1200.00} XXXX.
Product: Debt collection

Home depot has a 24 month no interest promotion in XX/XX/XXXX for purchases {$2000.00} and over. THey have been charging me interest on this promotion. I have called the credit department, I have sent messages through there website and have gotten no corrections or resolutions. They offered a 24 month no interest promotion and are not honoring it. I do not owe the interest charges they have put on my account since XX/XX/XXXX. THe debt date on their statement is false and they are collecting money not owed to them. The expiration for the promotion should be XX/XX/XXXX. They are falsely promoting no interest programs and not honoring the conditions of there contract and now charging interest on the full amount.
Product: Credit reporting or other personal consumer reports

On different occasions I have disputed the collection card accounts that erroneously appear on my XXXX and TransUnion credit report without having an effective response to the request, and I even made an identity theft report that I also sent but it is observed by XXXX and TransUnion that they did not carry out an efficient investigation to determine that the account that appears on my credit report does not belong to me and they even put an address on the account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other companies XXXX and that is why I request that these erroneous accounts that appear in XXXX and TRANSUNION be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information below is the wrong information shown on XXXX and TransUnion. XXXX XXXX XXXXXXXX Account Number XXXX : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE LISTED ON MY CONSUMER REPORTS AND I DID NOT AUTHORIZE OR SIGNED ANYTHING. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for several days to freeze my account with Equifax. Each time after entering all the required information, a page says the website is " temporarily '' down - try again later. I called a service representative who gave me what she said was an alternative site, but had the same experience. I have tried to freeze every day from Sunday ( Sun. XX/XX/2018 ) through today, Thursday ( XX/XX/2018 ). I had no trouble freezing the account at the other two credit reporting services. Is this a delaying technique hoping those seeking to freeze their account give up? 

Thank you for your consideration.