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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employer : XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

This Debt Collection company, United Consumers ( their # is ( XXXX ) XXXX keeps calling MY new cell # that was previously assigned to someone called XXXX. They have REPEATEDLY called, and when I try to tell them this isn't her # anymore, they just talk LOUDLY OVER ME, ignore what I'm saying and KEEP CALLING, AGAIN, AGAIN and AGAIN!! This is NOT EVEN MY DEBT THAT THEY ARE HARASSING ME OVER!! 

They have called on : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX and this are just the dates and times I started keeping track of to report them. They started called me in XX/XX/ when I first got this new cell #.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiries not authorize or fraudulent inquiries
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Sun Loans response to CFPB Complaint # XXXX, in which I disputed the inaccurate reporting of an account showing as a collection with a {$0.00} balance. Despite this, your response falsely claims that I still owe a balance, you also re-aged the account once again by updating the Date last active which I have included proof of the account in XXXX and now in XXXX for your reference. Additionally, you instructed me to contact XXXX regarding the inaccurate reporting, which is entirely misleading. XXXX furnishes information provided by creditorstherefore, the source of this incorrect reporting is Sun Loan, and you are responsible for ensuring its accuracy. 

I first contacted you in XX/XX/year>, giving you ample time to correct this issue, yet the inaccurate information remains. Furthermore, this account is past the statute of limitations in the state of Texas, meaning it should not be reported or used against me in any way. 

Due to these violations, I am demanding the immediate deletion of this account from all credit reporting agencies. If this issue is not resolved promptly, I will pursue legal action for damages under 15 U.S.C. 1692 and 15 U.S.C. 1681s-2, seeking {$1000.00} per violation for inaccurate and misleading credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/22. To remove personal information that I do not want on my credit report. According to the fir credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  XXXX XXXX  XXXX 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 A Section 2 : It 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

I had a case of identity theft or poor debt tagging. I dealt with all credit agencies to have it removed. This went through fine the first time, however the debt was resold and only Experian recognized it. After multiple disputes with me proving my identity, my address, and copies of police reports. 

This violates the FRCA, and Experian system is beyond difficult to dispute items. They make it extremely difficult to upload items with systems that don't work and often are down. The customer service line is long advertisement phone call where you are often sold on their " premium service '' and are often disconnected. I believe this is an executive decision to force people on these lines to make profit and this clearly needs to be investigated. It is clear lack of ethics and poor practice. Force people to call, never answer the calls, so I will buy a premium service to be assisted
Product: Credit reporting or other personal consumer reports

I am contacting you to request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report. I am a victim of a recent data breach that resulted in unauthorized accounts being opened in my name. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent items be removed from my file. 
The details of the unauthorized accounts and inquiries are listed below : Fraudulent Accounts 1. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1000.00} XXXXXXXX XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$680.00} XXXX. XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$820.00} XXXX. XXXX  - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXXXXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1000.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$950.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$780.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$2100.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I have contacted XXXX XXXX was told I dont have an account with them Contacted Consumer Adjustment Agency XXXX XXXX XXXX XXXX I was told I dont have an account with them I called the number from the previous response and I was told I have an account XXXX XXXX XXXX and Consumer Adjustment are playing games with the credit. However I got time today.
Product: Credit reporting or other personal consumer reports

I NOTICED SOME ACCOUNTS THAT NOT ADDRESSED TO ME, ,I DO NOT UNDERSTAND WHY THESE CREDIT BUREAUS ARE REPORTING THESE ACCOUNT ON MY CREDIT REPORT, THEY ARE NOT LISTED UNDER MY CURRENT ADDRESS, THIS IS INACCURATE INFORMATION THEY ARE REPORTING,, HOW ARE THESE ACCOUNT SHOWING ON MY CRDIT FILE AND THEY WERE NOT OPEN UNDER MY ADDRESS,, THEY ARE FRAUD ACCOUNTS
Product: Checking or savings account

Bank purposely posted largest amount first, then smaller to get  3 nsf fees instead of one. E ven though the smaller items were posted first.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax team, Please remove the following unauthorized, fraudulent inquiries from my consumer report, As I DID NOT give my permissible purpose per section 604 of the FCRA. Upon removal of these inquires please send me a copy of my consumer report reflecting the changes. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DEALER SERVICES XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account # XXXX. Account Name XXXX XXXX XXXX Account Name XXXX  XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX  XXXX 15 U.S.C 1681 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 instructions.

15 U.S.C. 1681c5 states no consumer reporting agency may make any consumer report.
Product: Credit reporting or other personal consumer reports

Im a victim of fraud, someone use a credit card ( Truist credit card ) under my name, I filed a claim XX/XX/XXXX, I have been waiting for more than 90 days, now is affecting my credit, because of that my bank XXXX bank close my, credit, checking and savings accounts. I need this to get resolved. Someone please help me. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Account is reporting on my consumer report that Ive never personally opened with XXXX. 

Account XXXX XXXX Account name- XXXX I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. Account Name : XXXX  Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter,
Product: Mortgage

I am trying to update my prior complaint with Citizen 's bank. I want to provide more information to you. 
XXXX I spoke directly to XXXX XXXX XXXX who told me he would contact me in a few days to discuss a possible modification again of my current mortgage. That was in the middle of XXXX ; please see attached Email follow-up. 
He instructed me NOT TO PAY the XXXX mortgage or pay going forward until it was straightened out since my payments were being denied and sent back. 
It is now XX/XX/2022, and my next payment is due. I am being notified by the credit bureaus that my score is dropping because I am being reported late. 
I have sent 2 emails to the address he gave me, both have gone unacknowledged - I have no idea if they are being opened, received, or what is going on with my case. I have tried to call but I have been unable to reach anyone. I am starting to panic as this is exactly what happened prior to my first complaint, no one did anything and I was reported making late payments to the credit bureau. I have been denied a credit card, and it is embarrassing. 

I have attached 2 mortgage statements- showing that Citizens did not record my mortgage payments which were made on time. 
Specifically - look at the XXXX statement- it shows NO PAYMENTS for the mortgage for XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/2022. I am attaching proof of those payments made electronically directly to Citizens and cashed. They reported me as late to the credit bureaus. 
I modified my mortgage, they told me to make the payments, then they refused them. Reported me as late, charged me an extra {$70000.00}. I am sick about this. 

XXXX XXXX asked me for this information and would get back to me over 2 weeks ago at the end of the week. I have heard nothing. 
I was told not to pay XXXX and now it is XXXX, I am sure no one will believe me, but the line was recorded. I just don't know what to do now.
Product: Debt collection

Chase Bank violated terms of Service. 
Chase Bank agreed as stated in the contract to be available by phone. 
Chase Banks as insulated itself by not allowing customers to reach them by phone and is operating in areas and locations, where they do not have any banks. 

I tried to reach Chase Bank only to be connected to an automated phone service, which tells you that there is non one available to answer the phone call, and then hangs up.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX took {$27.00} out of my account without my authorization. I've called numerous time to cancel my membership. I was told the issue was resolved. I haven't been to XXXX XXXX since XXXX of XXXX. I advised them I didn't have to come into the gym when they took my money, why do I have to come to the gym to cancel my membership. I have another membership at another gym. I'm trying to figure out why they wait 8 months later to take money from me. I want the money refunded. I did not authorize it. I canceled last year. I don't stay anywhere near a XXXX XXXX I've advised them several times, I don't have transportation to go to XXXX XXXX. I stay way too far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX XXXX, XXXX regarding account # [ XXXX ] requesting validation of this account reported on my TRANSUNION credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires XXXX to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XXXX/XXXX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XXXX/XXXX/XXXX, showing that XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Checking or savings account

During the course of overnight processing, Bank of America arbitrarily assigned dates to my account activity. They assigned a date of XX/XX/XXXX to debits and XX/XX/XXXX to credits. I can not emphasize this enough : Close of business XX/XX/XXXX I had a positive balance. Open of business XX/XX/XXXX I had a positive balance. They assigned dates convenient for them which resulted in fees being charged. This must be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently notified by XXXX XXXX XXXX XXXX that an account was added to my credit profile. I did not open the account. I have not applied for or received a credit card from Comenity Capital. I have have not approved any opening of a credit card from this company. All other legitimate creditors have a way to contact them via telephone on my credit report, this company does not. It only has a XXXX XXXX XXXX. I am disputing the validity of this credit card account. XXXX has replied to my dispute with them, as reinvestigated and verified, but how? They never communicated with me about the account. They are not providing me proof that I opened the account. Am I just supposed to accept that this account is my account when I know nothing about this company? I have never received anything telling me that the account is open and that I have a credit card with a certain credit limit?
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX have violated my consumer rights under the fair credit reporting act, also known as 15 USC 1681 by publishing these negative items on my report without my written consent. Under permissible purposes 15 USC 1681b ( 2 ) and breach of privacy in which congress set forth for the credit reporting agencies as they are to exercise their great responsibilities with fairness impartiality and to respect the privacy that of the consumer. 

Not only these credit reporting agencies, but these creditors of the negative accounts have also violated these laws as well as also the fair debt collection practices act also know as 15 USC 1692. As they are prohibited to communicate with any third party pursuant to 1692c ( b ). As these negatives on my report are a harm to my reputation and character by defamation. 

Letters were sent certified mail with receipt to these companies on XX/XX/2023. One was received as refused ( XXXX, XXXX ) and still waiting to receive the other ( XXXX XXXX XXXX XXXX ) and its been past 30 days. 

30 days has passed which by law they must respond within that time frame long with the negative items deleted. Not only is XXXX, XXXX in violation of the law to which they were notified about complaint filing as well as process of litigation to seek relief and remedy pursuant the 15 USC 1681n under the fair credit reporting act and remedy and relief under 15 USC 1692k, they and the consumer reporting agencies neglected to respond and make those changes pursuant to 15 USC 1681o as they neglected to respond which further remedy and relief shall be pursued for punitive damages. 

There are also a few other violations that these companies have made that can be provided for further evidence if needed.
Product: Credit card

The status of my credit report is causing me considerable distress, and my disappointment runs deep. It is not only highly embarrassing, but it is evident that either you or the company is at fault for reporting this inaccurate information. I have consistently made on-time payments, and I have never experienced any delays. I request the prompt removal of any notations of late payments, with an immediate update to the status as " paid now '' or " as agreed. ''
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :