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

I am writing to bring to your attention the ongoing challenges I have faced in attempting to correct inaccuracies on my credit report. Despite multiple efforts to rectify the situation, late open accounts and public records persist on my credit file, adversely affecting my creditworthiness. 

I have attached copies of my credit reports highlighting the specific late open accounts and public records, along with supporting documentation that demonstrates the inaccuracies. 

Despite my persistent efforts, the late open accounts and public records remain on my credit report, causing unwarranted damage to my financial standing. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been appropriately addressed. 

I kindly request that you conduct a comprehensive and expedited investigation into this matter and promptly correct the late open accounts and remove the public records from my credit report. Furthermore, I expect a written response within 30 days of receiving this complaint, detailing the steps taken to resolve the inaccuracies. 

If my concerns are not addressed within the specified timeframe, I will be left with no option but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to correct these late open accounts and removal of public record in my credit file : XXXX  XXXX XXXX Balance Owed : {$2000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX XXXX Balance Owed : {$950.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX  XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never mine. Never had a XXXX XXXX XXXX   account in my entire life. It is a result of an Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX  DATE ASSIGNED : XXXXXXXX XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXXXXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Wells Fargo Card Service located in XXXX XXXX, IA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Wells Fargo Card Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit score under more than normal by companies checking my credit, this affected my credit
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 {$520.00}, {$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 ) -- OPEN ACCOUNT 1. XXXX IXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 


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

3. XXXX XXXX XXXX XXXX with  ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX 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 Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bank XXXX XXXX XXXX  checked my credit score without my authorization. 

XXXX XXXX XXXX  obtained a copy of your Equifax Credit Report. 
New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application.
Product: Credit card

Capital One placed an unauthorized inquiry on my credit reports with the three bureaus. I never authorized them to pull my credit nor did I apply for any credit cards with them. they are reporting an unauthorized inquiry fro XXXX XXXX, 2013. Please have them remove this. thanks
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed these accounts on my consumer report. These accounts is more than 7 years old and must be removed immediately.

According to 15 US Code 1681 Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

According to the congress, you must report accurate, relevant, and fair information on my report or you will be held liable.

According to 15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
Please send an updated consumer report once the changes are complete. 
Thank you for your attention to this matter. 


XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type : XXXX XXXX XXXX XXXX Code : Individual Individual Acct Status : Derogatory Derogatory Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$8600.00} {$8600.00} No. of Months : XXXX XXXX High Credit : {$21000.00} {$0.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Pay Status : Collection/Chargeoff Collection/Chargeoff Last XXXX XX/XX/XXXX Date Last XXXX XX/XX/XXXX Date of Last XXXX XX/XX/XXXX
Product: Debt collection

I am a victim of identity theft. Ive file a previous police report and a current FTC report in which I was trying to upload by was blocked from doing so. Please verify 100 % that these accounts are mines if not I need them taking off my credit report. As a verified victim of identity theft and fraud I need the following accounts attached with this reported Be investigated.

Also According to the FCRA 605B ( 15 U.S.C. 1681c-2 ) it is illegal to report anything in my credit report without my permission, Please remove all negative items listed in the attachment below
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I have encountered inaccurate and misleading information on my credit reports, which has resulted in significant harm to my financial well-being. I believe that these credit reporting agencies have violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ).

The specific violation involves the failure of credit reporting agencies to provide accurate and complete information about my credit history, resulting in the misrepresentation of my creditworthiness to potential lenders, employers, and other entities that rely on credit reports for decision-making purposes. I have diligently monitored my credit reports and found multiple instances where outdated, incorrect, or unverified information has been reported, thereby undermining my ability to access credit and obtain favorable terms. 

According to 15 USC 1681 ( a ) ( 2 ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Furthermore, they must conduct a reasonable investigation within 30 days of receiving a dispute regarding the accuracy of any information on a consumer 's credit report. However, the credit reporting agencies in question have failed to fulfill these obligations, thereby violating my rights as a consumer. 

I have made multiple attempts to dispute and rectify these inaccuracies directly with the credit reporting agencies. However, their responses have been unsatisfactory, often providing generic and unhelpful explanations without conducting thorough investigations or taking appropriate corrective actions. These actions not only harm my financial reputation but also undermine the integrity and reliability of the credit reporting system. 

Considering these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate actions against the credit reporting agencies involved. I believe that enforcement actions, penalties, and the implementation of stringent compliance measures are necessary to ensure that credit reporting agencies comply with the requirements of 15 USC 1681 ( a ) ( 2 ) and safeguard the rights of consumers.
Product: Debt collection

By approximately XX/XX/2021, I received a call from a SUPERVISOR of the synchronic bank, claiming that I did not pay my credit card and that I have late fees. I have told him that i pay the full amount of {$2100.00} on XX/XX/2021, which is the amount that i owe from the credit card. That check comes from the Government of XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which clearly has a balance. They tell me that the check was returned and I ask which address? and they said they dont know, and i told the supervisor that i have not received the check on my mail, because it was from my address that was sent. he don't no the address the date that the check was sent. that makes me think that some one cash out the check from the company or maybe they want me to pay twice. The supervisor did not know how to answer me and told me to wait a moment that he will look for more information in another department. After waiting about 30 minutes he tells me that the check was shredded because it had no funds. I told him that I needed proof that the check was shredded and to send me evidence of the check on his system. He refuse to do that because they don't save that information in the system. He tells me that he will do an investigation and call me back but in the meantime make a payment. I tell him I am not paying anything because my debt was paid in full and that I have proof that the check was cashed. They continue to insist that i have to paid and at this moment i owe more than {$3000.00}. I am already in a position where I am depressed by this situation. My credit is being affected by this situation. 
by this time i have never receive a call with a answer or a copy of check Please i need a real investigation of what is happening here. 
thank you
Product: Vehicle loan or lease

The leasing company did not report the payment debited from my checking account, I made the claim but they insist on the non-payment and with reporting my credit to collection agencies, I have evidence of payment and even statements where the payment is recorded
Product: Vehicle loan or lease

XX/XX/year> 2 MONTH EXTENSION LOAN INSTALLMENT NOT APPLIED TO ACCOUNT PAYMENT FEE PAID. ROLLING 30 DAY LATE REPORTING ON CREDIT REPORT PAYMENT MADE EVERY MONTH CONSTANT PHONE CALLS 3 TIMES A DAY INACCURATE BILLING FOR 2 YEARS CONSTANT CALL TO GM FINANCIAL FOR 2 YEARS PROBLEM NOT SOLVE ALSO FAXED DOCUMENTS OF RECEIPT AND BANK STATEMENTS GM FINANCIAL WILL NOT FIX PROBLEM THE FAIR CREDIT REPORTING ACT 15 U.S.C 1681 AND 12 U.S.C DOCUMENTS READY IN JPG. AND PDF FORMAT OF BANK STATEMENTS AND RECEIPT
Product: Credit reporting or other personal consumer reports

Wrong identity is on my report wrong names and wrong social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX account # 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 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. AXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$3100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : 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, credit repair services, 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 XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card account with XXXX XXXX XXXX was canceled upon the credit grantor 's request due to the company no longer servicing secured credit cards. 

I initially placed a security deposit for this secured credit card when I opened this account. Upon notification that XXXX would no longer be servicing secured credit cards, XXXX failed to apply the initial security deposit to the account to settle any balance remaining. 

I paid the balance that has been reported to the credit reporting agencies in full on XX/XX/XXXX and yet as of XX/XX/XXXX it still shows as a charge off to certain credit reporting agencies. This is inaccurate information being reported to different credit reporting agencies and this has affected my creditworthiness due to the inaccuracies being reported. 

Date account opened : XXXX XXXX, XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> is not mine please for the 100 time remove it from my credit report 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15U.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, credit repair services, or other personal consumer reports

I have been requesting all three credit bureaus for well over a year to remove my bankruptcies as well as my student loans from being shown as public property and is ruining my credit because they are derogatories. I can't count how many times I've requested my address to be based only for XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV. XXXX as my only address but they refuse to remove multiple addresses located all over XXXX XXXX, NV as well as an old po box in XXXX Ca., I have requested numerous times to remove XXXX XXXX XXXX  who is on XXXX discharged as of XX/XX/XXXX but they keep popping up on my credit report even as of this date XXXX ; not only XXXX XXXX XXXX but also XXXX who is on XXXX, University XXXX XXXX who is on student loan deferment program because I am XXXX, XXXX XXXX who been paid XX/XX/XXXX because I used them for one month pre paid service to stay in an emergency circumstance as a weekly apartment along with all their multiple collection agencies that appear as some type of holdings or securities payment through my disadvantages with them that are fraudulent $ XXXX,. XXXX XXXX XXXX  absolutely refuse to be off my credit bureau and I found out they said I have some type of loan with them for a car/house or both that is false. XXXX XXXX is a fraud account I have never applied for as well I keep requesting to be moved but yet in still they are present on XXXX  XXXX. I would like my bankruptcy case # XXXX filed XX/XX/XXXX discharged XX/XX/XXXX to be removed from public access on my credit report as well as my student loans to be removed from public access on my credit report for the amount of {$54000.00}. I have sent multiple request to remove as well as received documentation from the Bankruptcy Court District of XXXX XXXX, NV. stating that they do not authorize or give consent to reporting my bankruptcy on my credit report.