23daVinci/CFPB_Complaints huggingface dataset:
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. 

I told Experian, XXXX, and XXXX to reinvestigate the account XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, Under 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 and 15 USC 1666B. 

XXXX  XXXX XXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. Transunion - XXXX XXXX XXXX XXXX Balance - {$5.00}, this is incorrect. 

This information is incorrect from Transunion. 

Late Payments aren't supposed to be on a consumer 's credit report and XXXX  XXXX XXXX and XXXX didn't follow the proper guidelines to inform me about late payments on my account. By violating the guidelines of 15 USC 1666B - Timing Of Payments, They didn't send me any notice. They have ruined my credit score of XXXX points and I believe I was targeted. 

Best, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 


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

today XX/XX/XXXX i was the victim off a XXXX where i was stripped of all my documents and banking information. Because of this, i decided to review my credit report and i noticed some inquiries that were made without my consent. i appreciate your help in removing this from my records. 

the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account, XXXX  XXXX and XXXX  XXXX bankruptcy 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This company has sold the debt to another company and back are reporting different balance due on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

I have  XXXX  store credit cards with Synchrony Bank. A Belk Card, and a   XXXX   XXXX   Card. Within the last 2 months, they have reduced the credit limit on both accounts just when I had the balance down to under 50 %. This has damaged my credit because by lowering my credit limit, they have increased the balance to credit line percentage to 97 %, and 99 % respectively.
In addition, they made this decision by pulling my credit report, and judging my credit history, not from the credit lines I have with them, but by using my entire credit report against me. I have worked very hard to bring these account balances down, only to have that work against me because of these big credit limit reductions. For my Belk Card, they reduced my credit limit from {$300.00} to {$200.00}. The   XXXX   XXXX    card was reduced from {$300.00} to {$140.00}. These changes were not gradual, but immediate.
I asked them to send me any documentation showing that I gave them authority to pull my credit whenever they felt like pulling it. All they would give me was their website for their bank terms. They also said, they had the right to lower my credit limit. Should n't they lower, or increase my credit limit based on my account with them, not others?
They have ruined all the progress I made on those accounts.
The refuse to restore my previous credit limit. They wo n't fix any damage they have done to my credit score. By lowering my credit limit, they have sent a clear message to every other creditor, that they do n't believe I can handle my account. It 's not true. I got these cards to build up my score so I can buy a house, they have hindered my, and does n't seem fair.
Can you help me?
Product: Credit reporting

This is a dispute with Transunion who refused to removed the IRS Tax Lien from my Transunion credit report even thou I have file many disputes informing them that this occur from fraudulent use of my personal information which was corrected by the IRS. This is hurting my credibility. IRS document attached. Transunion must delete this immediately. Thank you.
Product: Debt collection

As Dated XX/XX/2022, I, XXXX XXXX has come to the understanding that Sequium Asset Solutions , LLC engaged in activity to bring defamation towards my character and extortionate means towards my credit reputation. ( See attachment. )
Product: Credit card

I never received a few statements from when they had the wrong address when I know I had updated it. I called once I realized it had affected my credit and they closed the account. I have been charged {$41.00} dollar late payment each month until the account cancelled and closed its self out. I had establised this account back in XXXX and never had an issue until recently. I talked to a call center rep on the phone in the XXXX  on XX/XX/XXXX and they advised they could waive and remove one fee of {$41.00} but any additonal amounts I needed to take time and write a letter and that should remove any of the remaining fees. I followed up XX/XX/XXXX because I never received the results and wanted to get this account fixed before the XX/XX/XXXX date passed for due a date. I called XX/XX/XXXX and they said they received my letter asking for reimbursement of XXXX for XXXX, XXXX, and XXXX but they were not going to remove any of the fees. These fees are astronomical and more than what the balance. However that was just a trick to get me off the phone and I am wanting the government to step in and investigate this company and the lies they tell consumers. I will also be filing with the XXXX  as well.
Product: Credit reporting or other personal consumer reports

recently, checking my credit report, I noticed that Ive been a victim of identity theft, and found numerous credit inquiries I have no knowledge of, here are the inquiries I found : XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year> Please remove these fraudulent inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found fraudulent accounts on my report. This is against the Fair Credit Act and I would like to have it removed so I can get credit. Please remove these accounts from my report. They are affecting my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. I sent to the 3 Credit bureaus, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

The FCRA applies only to the 3 main credit reporting bureaus -- Equifax, XXXX, and XXXX. ... Equifax, XXXX, and XXXX  are legally obligated to provide identical information Upon review of my XXXX  and equifax report it states under Account summary : account ever late 3. That information is inaccurate. Looking at the report in the detailed view there is only 2 late payments.

Per XXXX  report the payment history is unknown for XXXX XXXX. So there should not be 3 accounts late when XXXX XXXX payments are not able to be verified.

Per further investigation I am requesting that information being reported by XXXX XXXX be verified based upon accuracy. XXXX  is showing no payment data. Equifax is showing 17 late payments reported by XXXX XXXX. XXXX  is showing 16 late payments being reported by XXXX XXXX.

XXXX  is showing 2 accounts ever late. Equifax is showing 3 accounts late as well as XXXX. But under Equifax and XXXX  only 2 accounts are displayed I do not see a 3rf account in the detailed view.

I have submitted disputes about accuracy and I am not able to get anywhere. XXXX I do not see where the fairness lies per FCRA.
Product: Credit reporting or other personal consumer reports

A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. XXXX XXXX XXXX XXXX Opened on XXXX and inquires XXXXXXXX XXXX  on XX/XX/XXXX, XXXX  XXXX XXXX on XX/XX/XXXX XXXX 
So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report
Product: Debt collection

I had insurance bills were paid and I called them and I 'm not on file
Product: Credit card

I was shopping for a new business credit card. I reached out to my current lenders before making a decision. I called CHASE, Spoke with four of their representatives, about the details, rewards, my options and to confirm the terms and conditions, before applying and receiving approval. After noticing that I was given more than one misleading statement, that influenced my decision on choosing the right card, I called and was directed to a supervisor. After informing the supervisor, I was hopeful that the matter could be resolved, or some type of resolution. The supervisor hung-up, while I was still talking, twice. The supervisor downplayed the entire situation, racially profiled and was very discriminatory, towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX refuse to remove a bankruptcy from my report that is not mine!! This bankruptcy belongs to my mother we have the exact same name. I have sent them copies of my birth certificate and a letter from my mother. I called IL bankruptcy court and they are not giving them this information but they are reporting it. XXXX verified this information through XXXX and they deleted it from my credit report and Experian and XXXX refuse to delete the bankruptcy and they also verify through XXXX.I have XXXX children and this is hindering me from providing for them efficiently. I cant get a home or a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards. A Comenity Capital Bank card/Virgin Airways card was applied for XXXX/XXXX/2016 however the application was not approved but the fraudulent inquiry was found on her XXXX credit report. A dispute of this inquiry was sent to Comenity Capital Bank as well as XXXX however the inquiry was verified as " accurate '' even though a police report was provided indicating this activity was fraudulent which is a violation of the FCRA.
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 XXXX, Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX, Account # XXXX Account Name:XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXXXXXX, Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX has violated my rights. 

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.

604 A Sect 1- States a consumer reporting agency can not furnish an account without my written instructions.

1681 c ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of info or any other adverse item of information other than records of convictions of crimes which dates the report by more than XXXX.
Product: Debt collection

XXXX did not.disconnect my cable when I asked them to and claimed I was locked into a 2 year contract when i had my package for well over 2 years. By disconnecting my account for nonpayment, then reconecting after I paid my bill they said I was locked into a new 2 year contract. My balance was paid when I called to cancel in XXXX and they continued charging me. I had moved out of their service area and no longer needed their services. They continued charging me almost {$900.00} before finally disconnecting my services. I have disputed with the credit bureaus, the collection agency XXXX XXXX XXXX, and with XXXX. I filed a complaint with XXXX as well. XXXX said they were investigating and would call back in 48 hours and it has been over a week. I called them and they said they do not see an investigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent out dispute letters because I noticed discrepancies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XXXX, I transacted {$300.00} every month or sometimes thrice/ twice every month in Remitly Money Remmitance to my local bank in the XXXX on line transactions, after several months I received an email from the local bank, that they didnt receive any payment from me, so, I sent all the screenshots receipt from Remitly, However, upon verification by local banks including the confirmation number coming from Remitly the transaction was not materialized, In so, I contacted the Remitly and demanded the refund, on this they refunded to me eight ( 8 ) transactions only. I demandedall my twelve ( 12 ) transactions but they failed to do so, I has been 5 months now that they didnt refund my remaining four ( 4 ) months transaction equivalent to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) the keep on telling me that they send it already. But to no avail. Despite I sent all the bank statements on their request. But still they failed to refund. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts appearing on my credit report that do not belong to me and after multiple requests to remove or provide information, I have not received any resolution. I am a victim of identity theft & this is a result of this. 

Discover BankXXXX Opened XX/XX/XXXX. Balance is currently {$840.00} and has went into charge off status. 

XXXX XXXX XXXX ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$460.00}. 

XXXX XXXX XXXX ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$1000.00}. 

I was added as a authorized user on a XXXX XXXX XXXX account which I never authorized my being added to this account and apparently the account holder has a unpaid balance effecting me. I requested to be removed from this account on multiple occasions and my requests have been ignored. The balance is in the amount of {$1100.00}. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX XXXX has never had any late payments and needs to be corrected to reflect this on my credit reports.
Product: Credit reporting

Called they told me they could not delete hard inquiries that where not authorized/initiated by me that are a clear result of identity theft.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX