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

In XXXX of XXXX American Express was notified by consumer of a billing error nevertheless AMERICAN EXPRESS continues to increase the balance and past due amount in violation of 12 CFR 1026.13 ( 2 ), 12 CFR 1026.13 ( 3 ) American Express is violating the privacy act of 1974 by disclosing my consumer record to a person, or to another agency, without my written request and without my prior written consent 5 U.S.C. 552a ( b ). 
In addition American Express is reporting a charge off on my credit report, a charge off is a certificate of indebtedness according to the IRS which means it is Income and must be remove from my consumer credit report., Such reporting is a violation of 15 U.S. Code 1681 by reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I disagreed and requested an investigation into this Account : XXXX XXXX Account Number : XXXX starting last year in XX/XX/XXXX with TransUnion, XXXX, and XXXX responded that they modified it with updates stating it was accurate. Last month, in XX/XX/XXXX, after reviewing my recent credit report I requested another investigation into the same account with the credit agencies. All three companies noted that they verified my account as accurate. Again, some Inaccuracies are still being reported in my credit report. For instance : the actual payment history of {$100.00} in XX/XX/XXXX and {$100.00} in XX/XX/XXXX and the past due amounts are inaccurate among all three credit bureaus reporting hurting my credit tremendously. Yet, they allowed these inaccuracies to remain in my consumer file. This account is not 100 % accurate -it is deemed INACCURATE and should be deleted immediately from my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ). ( A ) In general If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item of 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 the 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. I'm asking you to delete this inaccurate account from my credit report and send me an updated copy of this report in 15 days. Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are ( 6 ) student loans being reported under FED LOAN SERVICING reporting inaccurate late payments. It clearly indicated on my credit report ZERO PAYMENT MONTHLY DUE. there was NEVER ANY PAYMENTS DUE ON ANY OF THESE LOANS PRIOR TO IT BEING TRANSFERRED. THESE LOANS HAVE BEEN ON MY CREDIT FILE SINCE 2010. WHICH LRGALLY IS AGAINST MY FCRA RIGHTS anything after 7 years NEEDS TO BE REMOVED FROM MY CREDIT FILE. THE INFORMATION HAS BEEN REPORTED INACCURATE SINCE 2010 PLEASE REMOVE ALL 6 ACCOUNTS AND ALL LATE PAYMENTS. THERE WAS NEVER ANY MONTHLY PAYMENT DUE.
Product: Credit reporting or other personal consumer reports

Experian violated my rights under U.S.C. 1681 ( A ) 4 with inaccurate payment history that is really hurting my chance to obtain credit when I have told them multiple times something was not right on my credit profile their last response was on XX/XX/2024 where they stated everything was complete and accurate can you please help me
Product: Credit reporting or other personal consumer reports

I am requesting the PROCEDURES that were used that led to the accounts I disputed to be VERIFIED/UPDATED. 
I am making this request in accordance with 1681i ( 7 ) and 15 USC 611 ( 6 ) ( B ) ( iii ) that the LAW states I should receive within 15 Days after your agency ( EXPERIAN ) receives my request and if Experian FAILS to send the information I am currently stating that I have a right as a federally protected consumer SUE your agency for {$1000.00}.

I am requesting the name ( s ) of the individuals that you spoke to during your alledged investigation along with their address and telephone number ( XXXX ). 
Please do not send me any c silly postcards that state general information about how you conduct your alledged investigations for consumers in general. The LAW states I have a right to request specific information such as names, address, telephone numbers and the procedures that were used that led to the accounts in my disputes to be updated/verified.

All in accordance with 1681i ( 7 ) /FCRA 611 ( 6 ) ( B ) ( iii ).

I received results regarding : Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
outcome updated. 
Please send information within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent TransUnion a letter through certified mail and with a green receipt. The letter I sent Transunion was in regards to 12 accounts being furnished that were paid for with my credit card. I believe in 15 USC 1681a ( 2 ) ( B ) where it states " any authorized or approval of a specific extension of credit directly or indirectly by the issue of a credit card or similar device. '' should be excluded from a consumer report. I demanded they remove the accounts and have yet to receive a response from them and it has been over 30 days. I need these accounts removed because it is very damaging to my reputation and is hurting my chances of getting a promotion at my job I have been working so hard for as well as causing conflict between my husband and I.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following Account name : XXXX XXXX  Account number : XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 

Under code 1681 ( e ) B it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reporting relates. 

After you have finish my request, send me a copy of my credit report reflecting these changes. 

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

This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance {$150.00}, XXXX XXXX XXXX Balance {$430.00}, XXXX XXXX XXXX Balance : {$720.00}, XXXX XXXX XXXX Original XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00}, XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$260.00}, XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance : {$0.00}, XXXX AND XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$180.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX  XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened aXXXX XXXX XXXX XXXXXXXX XXXX, an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulentitems. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 
as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request several credit inquiries that were unauthorized be removed from my credit report. OnXX/XX/XXXX, I received a copy of my credit report and became aware of 18 inquiries that I did not authorize. They are as follows : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXXXX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXXXX/XX/XXXX 6. XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX   XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9.XXXX XXXX ( 2 ) XX/XX/XXXX 10.XXXX   XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX ( 5 ) XX/XX/XXXX 13.XXXX XXXX XX/XX/XXXX14. XXXX XXXX XXXX  XX/XX/XXXX 15. XXXXXX/XX/XXXX16 XXXX XXXX XXXX XX/XX/XXXX 17. XXXX XXXXXX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

card was opened in my name i am a victem of idenity theft
Product: Credit card or prepaid card

I bought a computer with XXXX in 2015. The computer arrived with a chip in the screen. I made payments and was trying to negotiate a replacement with XXXX. I started the return process, and therefore stopped making the payments, but the computer was never picked up by their service provider. I ended up having to keep the computer and the account was paid off 7 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy is reporting on my credit file with inaccurate data. First, I sent a certified letter to the bankruptcy court in XX/XX/XXXX. I wanted to know how the information was verified. The courts responded on their letterhead ; they do not verify nor report information to the credit bureaus. From there, a certified dispute letter was sent XX/XX/XXXX to XXXX. Per the letter I received from XXXX in XX/XX/XXXX the bankruptcy was removed. 

In XX/XX/XXXX certified dispute letters were sent to XXXX, XXXX and Experian. The two letters mention above I sent as well. The disputes came back as verified which is false. I contacted the credit bureaus via phone and all three stated they verified with the courts and XXXX. This is proof that the credit bureaus did not look at the letters nor did the proper investigation. 

If any additonal information is needed please let me know
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and i noticed several accounts that are not mine. I have had my personal information stolen in the past but i never noticed anything until i checked my credit i will list the fraud account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX XX/XX/1990 last XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have a {$4000.00} electric collection for a house in Texas that we didnt live in. It was the house next to us. Also, I believe the any charges that were acquired, were after we had moved out of the neighboring property as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this issue resolved for months. The last dispute I sent in because I used proper English and explaining the problem in detail it was marked as using " credit repair '' and was not completed. I am not using any type of service I just want my report to show correct information. I am once again disputing these two accounts from XXXX account number XXXX {$40000.00} & XXXX account XXXX {$3200.00}. These are not my accounts and I don't know who they belong to. The other bureaus have already deleted these accounts from my credit report & this is the only credit bureau that is not removing fradugelent information from my credit report.
Product: Credit card

Made XXXX $ payment to my Goldman Sachs credit card that was successfully dafted from my account. my card is on hold for 14 days without any notice or card holder agreement stating this I made previous payments with same account I ask my available funds be released this is a violation with fair credit practices I ask for all funds to be released this is causing Financial hardship
Product: Credit card or prepaid card

On XX/XX/2020 I made a charge on my CARECREDIT REWARDS MASTERCARD from  XXXX XXXX  for veterinary services for the amount of XXXX dlls. Due to COVID-19 we  had to do this transaction in a new manner which we had never used before and we were under stress since we were worried about our Pet so we just selected one of the options available without reading the details carefully. This turned out to be a Fixed Payment with reduced APR plan when we always used to select a Deferred No Interest plan. After everything was OK with our Pet and we looked at our account online, we noticed that the charge was done in a way that was unfamiliar to us and we called the credit card company to have the charge changed to a deferred plan. They told us they could not do that but the service provider could make a request for the transaction to get changed. We contacted our vet XXXX XXXX XXXX XXXX XXXX XXXX whom agreed to proceed with the change. After one billing cycle and being {$40.00} in interest, we called the credit card company and they confirmed they saw the request being put on by the clinic and it would be reflected in the next statement. One month later and {$61.00} dlls more on interest, we contacted the credit card company again and they told us that the change would take 1 to 2 billing cycles, not only 1 as  described earlier. We asked if once this happened the interest charged would be returned and they said that it would be so. I called again today XX/XX/2020 after another billing cycle and {$61.00} dlls more charged on interest and was told that the change had been declined by the company 's provider services team. When I asked for the date of the denial they told me it was that same day XX/XX/2020. I find it very strange that they would deny it the exact same day that I'm calling them fo r an update. This whole process seems to be full of irregularities and it seems to me that they are doing anything in their to make sure that you pay for interest while the process is taking place and then they deny you after a couple of months. They also give you different responses every time you call about the length of time that this would take to get resolved and they do not let you speak directly with the team involved in the denial of the request. They told me I would have to call my service provider ( the veterinary clinic ) to find out why this was declined and I could not talk to the Provider Services team. The customer service representative said that they had no access to the information regarding the denial and made it sound as if it came from another company when we are talking about the same company and it would make sense that customer service should be able to access that information to be able to provide the clients with more details.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XX/XX/XXXXAccount number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXX/XX/XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name XX/XX/XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXX/XX/XXXX Account number XXXX XXXX Account name : XX/XX/XXXX Account number XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian and reported to the CFPB regarding an inquiry on my credit report and the response said the inquiry was not listed. 

I checked my credit report today XX/XX/XXXX and the inquiry is still present on my report. On XX/XX/XXXX XXXX XXXX XXXX placed a hard inquiry on my experian report WITHOUT my approval. Please remove this inquiry immediately as I did not authorize this. This is my 2nd time requesting this to be removed and I was told the inquiry did not exist yet it is still on my report. Please remove the inquiry expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

fdc XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 undeXXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights!!! 

16 U.SC 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.

Also there are discrepancies with BOTH accounts on my credit report being : The date last reported, date opened, creditor names, and and neither of these accounts showing on my equifax. Within my right I can be compensated for these mishaps but prefer these accounts to be removed ASAP.