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

When I investigated my credit report upon securing an updated copy, I realized that some of the information are still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$410.00} XXXX  XXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX  XXXX XXXX Balance Owed : {$600.00}
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to do the below-mentioned thing.

DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you accept my request , I will not escalate this matter to Federal Court, in case, you do not accept the above request a legal action may be taken against your company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX. 

All Rights reserved without prejudiced
Product: Credit reporting

I was doing closing to buy our new house and then we could not close the deal since my sister debts showing under my credit and according to debt to income I lost my deposit for this new house and I could not buy the house, I tried to call Equifax more than 4 times, first time they gave me a fax number and told to wait 48 hours I called them after they said that was not the right number and that means my personal information went somewhere else God knows. Than I faxed twice with complete status of sent and then called them again they said never received any fax or documents. So I`m about to sue them and bring to court, First of all they mess up my credit score and history and not trying to fix it. the other credit card bureau are correct so I complaining about huge mistake and they have to pay for it AND THE DAMEGES I HAD BECAUSE OF THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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

Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have never opened or used the following account numbers : Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 




Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violated the PRIVACY ACT OF 1974 AND THE FAMILY EDUCATION PROTECTION ACT by providing my non public personal information to EXPERIAN XXXX AND XXXX and I'm sure multiple others that I have not tracked down yet. They stated that they would not provide any of my personal transaction history with any non affiliates or third-party companies. All of the credit agencies are non affiliates of XXXX/Dept of education.
Product: Credit card or prepaid card

I have been a chase credit card holder for close to 40 years as ha my mother and my deceased father before us since the XXXX.Attached please find some old my credit cards going back to the XXXX. 

Accidentally I found out yesterday that all 3 of my accounts were closed. There was no notification as required and it took numerous calls to get to the person who was responsible for this. She was disrespectful and unhelpful. She basically told me that after all these years chase decided to end their relationship with me. 

This all had to do with my XXXX year old mother whom I am a caretaker for. She legally XXXX and totally uneducated and unsophisticated with regard to these matters. I have devoted the last years of her life and all of my life to taking care of her in all matters relating to her health and finances, She is also a XXXX   XXXX who suffers from acute XXXX and XXXX.This can all be corroborated by her XXXX and primary XXXX doctor. 

When I requested detailed information, She was not willing to provide it. Some of the things she told me were completely fabricated. To think that they would treat a customer who has been with them all these years and with whom they profited from is absolutely outrageous. 

I have had a great deal of aggravation form Chase now for 2 years.They have closed my bank account, my mothers bank account, and all of our credit crds. I have written to XXXX level executives but they were all unhelpful. A Ms XXXX XXXX seems to be responsible for all of this. Chase is a bank without a heart.  The closing of all these accounts can affect my credit negatively and I will hold Chase legally responsible for this and will see legal redress for this. 

Thank you for all your help.
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 TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts Below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602 A 15 U.S.C 1681 section 604 A 15 U.S.C 1681 c. ( a ) ( 5 ) 15 U.S.C 1681 5-2 ( A ) ( 1 ) And Other U.S.Codes Each account is in the following attachments list in the Credit Reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX  Balance {$260.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX Balance XXXX {$470.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, any item that is proven to be inaccurate has to be removed from my credit reports. Please note that XXXX is reporting inaccurately and the account lists many inconsistencies. This item was in dispute with Experian on XX/XX/2020 and somehow it returned valid. I immediately sent over a MOV ( method of verification ) and it returned as remain on XX/XX/2020. The report number is XXXX. I havent received any paperwork on this account and the bureau ignored my request for the proper MOV. How were you able to verify so quickly and HOW? I feel like I am being treated unfair and this company is being allowed to destroy my credit reports and character. My reports are a reflection of ME. 
This item needs to be removed from all three of my credit reports as it is in fact reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account, AMEX, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate properly and remove it from my personal credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, These company 's are showing late payments on my account that should not be there. 
I've called them several times and they have refused to update the information. I am in the process of buying a home and I can not have this on my account for another second. Please see the information below and have them update it. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 DISCOVER BANK Late Payment XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 Thanks, XXXX
Product: Credit card

XX/XX/year> : I purchased a XXXX XXXX from XXXX and used Citizens Pay for the payment method of {$3100.00}. 

XX/XX/year> : Auto Paid my first payment to Citizens Pay for {$95.00} on the due date. 

XX/XX/year> : I received an interest charge on my account for {$13.00} on my purchase. 

XX/XX/year> : I returned my XXXX to XXXX, and they refunded my Citizens Pay account for {$3100.00}, it showed it in my Citizens Pay activity timeline. 

XX/XX/XXXX - XX/XX/year> : I had used Citizens Pay live chat multiple times as my account wasn't closed, I wasn't refunded my payment from XX/XX/XXXX, and I had Autopay enabled and couldn't turn it off. I was assured I would not get charged, and I would get a check in the mail. 

XX/XX/year> : I received a direct deposit from Citizens for {$82.00} ( my payment, minus the interest ). 

At this point, I had assumed everything was done. 

XX/XX/year> : Received an email from Citizens Pay saying I have a balance due, when I logged into my account, these are the new items that were not in my timeline : XX/XX/year> : Late fee of {$8.00} ( even though I Auto Paid on the due date, and that wasn't on my activity feed prior to XX/XX/XXXX ). 
XX/XX/year> : XXXX XXXX of XXXX ( wasn't on my feed prior to XX/XX/XXXX ). 
XX/XX/year> : Payment of {$82.00} ( this the refund ; however, I have the bank account statement to prove it wasn't paid until a month later than that, this didn't show up until after XX/XX/XXXX ). 
XX/XX/year> : Late fee of {$8.00} ( this would be nearly a month after the return of the XXXX, and XXXX days after I received a refund on my account ). 
XX/XX/year> : Interest charge of XXXX ( once again, after all returns, refunds, etc. had been squared away. 

Where I sit now is the following : - Citzens owes me {$13.00} for the interest. 
- XXXX needs to drop the {$16.00} balance of fake late fees and Finance Charges. 
- XXXX needs to close my account, since the transaction ended in XXXX. 

I reached out again today to Citizens, spoke on their Live Chat, the rep, XXXX 's exact words were : " Please call in at XXXX and ask for a supervisor I will notate the account for my supervisor to know, Sorry about this situation, they can square away the situation much more then I can, If I were to rebate and add a refund you will probably wait the same amount of time, Please call in thats the fastest way to do this, I will document the account '' I called that number, and it's for a different product, and they gave me the number of the Citizens Pay. After I spoke with them, they said they submitted a XXXX XXXX ( yet couldn't provide a date of resolution, estimation, or even a Ticket/Reference Number ). 

I am in the process of buying a house and now a line of credit shows two late payments, this has been extremely frustrating, and absolutely shows you should not trust Citizens technology.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times and the final time was X/XX/2017, about not being able to access my credit file. I was told that information was incorrect in my file and that i would need to send a copy of my Social Security card and Drivers licence. I have complained and called many times regarding not being able to access my information. The Customer service agent began to read out information that was totally incorrect in my file. I believe that the information contained in my credit profile is wrong and unauthorized. I asked to have unauthorized inquires and unknown addresses removed in a letter that was previously sent to Equifax. I never received a response regarding that letter.
This poor handling of my personal information has made it very hard for me to obtain credit and move forward with a positive quality of life.
Product: Debt collection

I XXXX XXXX XXXX XXXX XXXX for over XXXX years at this facility in XXXX Georgia. We had our insurance people come in every XXXX and we had the choices to make, and Lexington law was one of the choices that we can make well. I chose it and I was on it for three years. I tried to get my credit record cleaned up, but nothing was ever done. I paid money upfront. They took out {$50.00} every month or so, every every month on top of the money that was deducted out of my check automatically my credit record is still in shambles, and Im very disappointed that they have done this. I would like to get my money back out of them. Dates worked XXXX XXXX
Product: Credit card or prepaid card

This is regarding a Citi card. I purchased an airline service and made the payment on the due date. I got another statement with a new balance. I called the customer service on XX/XX/2020, regarding my statement and I was told that I have a balance which is regarding the membership fees of the credit card. I spoke to the customer service and paid the fee {$99.00} on XX/XX/XXXX. I was told that there was a late fee but they will remove after I requested. Therefore, I was getting 1-800 calls regarding my due balances. I kept telling them that I made my full payment and I was promised to remove the late fees. The credit card company keeps adding a {$27.00} late fee every month and harassing me to report for debt collection. I sent my written appeal with a detail via a certified mail in XXXX. I explain to them and there is no response. I need help. Thank you.
Product: Credit reporting or other personal consumer reports

The XXXX  accounts for XXXX and XXXX are now deleted because they are proven to be not mine. The only thing that's left is the one that you're reporting. If the other bureaus deleted then you should do it too! Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Credit reporting or other personal consumer reports

Could you please help me address some negative items on my report? I have already submitted the three documents you requested, along with the dispute letters and details of the specific accounts I want removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor AGAIN 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regard to consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem i am having is my rights are being violated. Congress put forth rights for consumers protection stating my written consent to my consumer report is needed before furnishing any information. Due to non-cooperation pursuant 15 USC 1692k the agencies involved are civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, Still no response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, Transunion, and XXXX. 

I am the consumer and the natural person.
Product: Credit reporting or other personal consumer reports

I've recently had Capital One and XXXX view my credit report without my knowledge or someone is using my information to open an account. I tried to dispute it through the direct credit companies but still no result. This is affecting my credit score. 

CAPITAL ONE BANK USA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX account number XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.