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

XXXX XXXX XXXX XXXX  closed account balance shows {$340.00} open XX/XX/year>. This account has never been late and the credit reporting agencies has duty to make sure information is accurate. According to 15 USC 1681a ( 2 ) ( 1 ), the term consumer report does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. So even reporting a late payment on a credit report is a violation. 

I demand that LATE PAYMENTS be removed from credit reporting agencies because it is also illegal to extend the statute of limitations by reporting 60 days repeatedly.
Product: Credit reporting or other personal consumer reports

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number. 

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. Its been over 35 days with no response and according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Out of the blue, they lowered my FICO score from XXXX to XXXX for no reason. I always pay my bills on time, I carry no debt on my credit cards, and they lowered it anyway.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  : # XXXX, XXXX  XXXX Bankruptcy : # XXXX, has violated my rights. 

I looked at my TransUnion 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 general, after any reinvestigation under paragraph ( 1 ) 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.

and according 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently checking my credit scores and found some inconsistencies. I also believe the list below has violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  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 states a consumer agency can not furnish an account without my written instructions. 
Please verify that these are my actual accounts and provide me with verified information showing a signature signed by me through certified mail. 
Please also provide me with information showing that I gave the following accounts written permission to furnish my accounts. Please send the following through certified mail to each account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account XXXX XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently checked my credit report and noticed all these inquiries on my report. I did not authorize any inquiries into my credit report. 
The inaccurate information mentioned above is negatively impacting my credit score and financial standing. 
I kindly request that you investigate this matter promptly and remove the inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit reporting act XXXX # XXXX has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

I have battled the complete incompetence of XXXX for over a year. 
I was hopeful after receiving an email from them on XX/XX/XXXX email that this unbelieveably XXXX mess wth my account and more importantly, my credit reports, would FINALLY be corrected and I could put this behind me. However, just when I think it 's not possible to make a bigger mess of things, XXXX manages to do just that! I received notification today of correction/updates to my credit reports so, with high expectations, I proceeded to pull and review the corrected credit reports. Can you even imagine the utter frustration I felt when I realized that my XXXX credit report, the XXXX bureau that had previously been correct, is now INCORRECT. XXXX, against the laws of the FCRA has been reporting a 12 1/2 year old bankruptcy to the credit bureaus. In my last correspondene to them I indicated that all but XXXX had been corrected and asked them to get that correction taken care of immediately. Because no one took the time to actually read ALL of my previous correspondence via letters and email, XXXX incorrectly REMOVED my current account with them from my credit file with XXXX ... .WHY??? The information contained in my XXXX REPORT WAS CORRECT as I had told them numerous times. XXXX NOW shows only XXXX XXXX account and it shows that account as CLOSED! In an email from XXXX they specifically indicated in paragraph XXXX : '' As a result of this conversion, you will have XXXX XXXX trade-lines ; XXXX prior to XX/XX/XXXX and the other post XX/XX/XXXX '' and that all Bankruptcy remarks on ANY accounts would be removed. 

The problem is that now my current/open account with XXXX has also been deleted. This error has lowered my XXXX credit score XXXX points!!! 

A CORRECTION NEEDS TO BE MADE IMMEDIATELY TO MY XXXX REPORT ONLY adding my current/open XXXX account back to my credit file WITH NO REMARKS!! 

**I tried to address this with XXXX directly, but I might as well have been talking to a stump! 

NO OTHER CHANGES TO ANY OTHER CREDIT BUREAUS SHOULD BE MADE! 

Please, please, please I need your help! 
Thank you! 
XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I hold an American Express Hilton Honors XXXX  Card. Every year I am entitled to a {$250.00} Hilton XXXX  credit as part of this card benefit. This is a {$250.00} statement credit that the cardholder receives after eligible purchases at qualifying Hilton XXXX. According to the Amex terms ( attached ) your reward year beings at the account opening date. Each subsequent year begins on the anniversary of your account opening date. My account anniversary is in XXXX. Every year my partner and I have stayed at a Hilton XXXX around or on our birthdays XXXX XX/XX/XXXX XXXX. The terms state that a statement credit will post within 8-12 weeks after the resort stay automatically. If the credit does not automatically post the cardholder is supposed to call customer service for resolution. Each year I have to call for the credit because it has never posted automatically. I have only used one {$250.00} credit each year of membership ( including the first year ) as stated in the resort credit terms ( attached ). Statement credits are attached ( one {$250.00} each year : XXXX, XXXX ). Every year customer service manually posts my credit without issue. This year, due to Covid-19, American Express sent an email ( attached ), saying that the resort credit may be used for restaurant purchased from XX/XX/XXXX - XX/XX/XXXX. I have had at least {$250.00} in restaurant spend to qualify for this benefit. I have not used a {$250.00} XXXX  XXXX   yet this year. I waited for the credit to automatically post as a statement credit. It did not. I called customer service who stated that I have already used the credit for this year. I have not. I escalated this issue to supervisers who do not ever return my calls and simply ignore me. I opened a complaint with the XXXX  and finally received a return call. The agent stated that I have over used this benefit and will therefore not receive it this year. She stated that the benefit only posts at the end of your anniversary date - which is clearly not what the Amex terms state ( attached ). She also stated that I have already used this years benefit - which I have not ( attached ). I have only ever used ONE {$250.00} credit for the first year, then ONE {$250.00} credit for each anniversary year. American Express refuses to issue this credit even though it is clear that I am entitled to it per their terms and the benefits of the card. 

I researched this issue on the XXXX forum online and many users state the American Express commonly denies and/or does not apply the Hilton XXXX XXXX  then refuses to issued the credit due to cardholders when they call customer service. This is fraud on their part and a clear breach of the terms of the customer agreement and their terms regarding this benefit at the expense of the customer. 

I have only used ONE {$250.00} XXXX XXXX per anniversary year. American Express repeatedly states that I have already used this years credit, yet can not provide any documentation or proof of this because I have not.
Product: Credit reporting or other personal consumer reports

have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately around XX/XX/XXXX I called all three credit bureaus about credit inquiries illegally not authorized on my credit report also. I spoke with XXXX and they had a glitch in there system in XX/XX/XXXX.  Inquiries that were deleted are back on my report as well and I was not notified by mail in the time frame that was supposed to be notified by law. These inquires added a hardship and my rights were violated by XXXX as well as the other two credit agency. As a resolution I ask that all my inquires be permanately deleted from my XXXX report as well as XXXX and Experian.
Product: Credit reporting or other personal consumer reports

On XXXXXX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX. This has cause me great XXXX, XXXX, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account # XXXX is reporting incorrectly to Equifax. Equifax claims to have verified the information in XXXX of XXXX. The account in question first reported delinquent in XXXX. The other XXXX bureaus ( XXXX and XXXX ) have since removed this account from my credit report due to the account being reported negatively for XXXX years. Each company removed the item in XXXX of XXXX or prior. I am requesting that Equifax remove this item immediately from their consumer report containing my information. EQUIFAX is in violation of the FCRA laws. According to 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. 

I am requesting that they remove the negative account immediately from my consumer report furnished by them to match the other consumer reporting agencies which show the correct information. I don't understand how EQUIFAX can have access to the SAME information furnished by the original creditor but provide a different outcome that is completely against the law.
Product: Debt collection

I ordered vitamin supplement from a company called XXXX XXXX account XXXX. 
This item did not help me as was advertised, therefore, I returned all the unused bottles, almost a complete order. I paid for the ones I used. Since returning the unused bottles, this company turned my name and address information over to a company called National Recovery Agency ( XXXX ID # XXXX Creditor : XXXX XXXX Balance : {$42.00}. This Agency continues to send over text to my phone number XXXX. I called the XXXX XXXX company and explained that the item did not offer to my health as it was advertised and I had returned the unused bottles. I have paid the {$42.00} balance plus a fee of {$7.00} to National Recovery Agency and am waiting on a letter of receipt for that payment in my email ( XXXX ). As a consumer, I see this has a wrongful act on both companies : XXXX XXXX received the unused product back to resale and was paid in full for the used products and National Recovery Agency received {$42.00} plus {$7.00} for their continued texts and what I would call consumer harassment. The National Recovery Agency told me the product for not returnable yet I do not believe I was every told that from the XXXX XXXX XXXX. 
Appears everyone was covered but the consumer here!!!
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence, in which I formally disputed the inaccurate reporting of late payments on my credit report concerning my XXXX XXXX XXXX XXXX XXXXXXXX : Auto Financing account XXXX XXXX XXXX XXXX XXXX. Unfortunately, despite my request for correction in accordance with the **Fair Credit Reporting Act ( FCRA ) **, the **Truth in Lending Act ( TILA ) **, and the **Protection Against Non-Payment of Obligations Act ( PAANL ) **, the inaccurate information remains unresolved.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

ACS XXXX XXXX still showing negative item in my credit history and is effecting my everyday life ( Credit History, Ratio with mortgage, other personal things since XXXX ) Now I seen a Settlement agreement that was entered through the Department of Justice on behalf of Department of Education ( XXXX ) knowing them submitting false claims to the Department of Education resulting false claims. 

Address Identification # XXXX XXXX XXXX XXXX XXXX NY XXXX Terms 144 Months XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 5 different disputes about a Bankruptcy on my credit report asking for verification as to who, when and how it was verified. As of this moment I have yet to receive it. Experian had no permissible purpose to have my personal and private information and to put a Bankruptcy on my consumer report. I have letters from the bankruptcy court stating that they do share or provide any of my private information. I also have the same letter from XXXX XXXX stating the same. I need the proof of what they did. I am asking for the credit bureau to send me the requested information as to who they spoke with, where, when, and how the verification was done.All they send me is a generic response saying it was verified. I am asking for the to give me the information requested by me and required by law.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Vehicle loan or lease

I made a payment using my XXXX card I tried to make a payment that I had noted to be put in, the result came back several times we could not process try again, on about 3rd time it took the payment I suggested and then it took out the entire payment and I lost my entire payday all together GM got XXXX dollars, the payment was only XXXX I tried immediately with XXXX, GM Financial to reverse my over charge, neither will, it's obvious the payment was a duplicate, I have faithfully made my payments to GM and never been late I demand my reversal today, I can not pay my other bills or buy food if they will not I can not or see any reason after GM told them to refund my over payment they will not, this is the 2nd time I have had a problem with XXXX holding a refund when clearly it was a mistake, I never got the other reversal to this day. Please contact XXXX and demand my reversal
Product: Debt collection

THIS COLLECTION AGENCY IS CONTINUING TO TRY TO COLLECT ON A DEBT THAT WAS DISCHARGED/WRITTEN OFF IN XX/XX/2007. I HAVE NEVER CONSENTED TO THE AMOUNT OWED NOR WAS I GIVEN AN OPPORTUNITY TO DISPUTE.
Product: Debt collection

A recorded call, received XX/XX/XXXX while at work, intimidating and threatening action if not re-contacted by a certain date ( XX/XX/XXXX )