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

Related to NYS Attorney General File # XXXX attached XXXX XX/XX/XXXX communication stated : our records indicate that on or about XX/XX/XXXX, Mr. XXXX accepted our offer of an exchange for his phone Related to # s XXXX and XXXX, Consumer Financial Protection Bureau communicated : STATUS Company response is in progress as of XX/XX/XXXX. 

XX/XX/XXXX and XX/XX/XXXX follow-up resolving texts were received from XXXX, # XXXX : " Hello XXXX XXXX, This is XXXX with XXXX XXXX XXXX XXXX. We will be reaching out to offer you a refund due to the time it has taken to get a device in stock. What is a good contact # and time for us to go ahead and reach out to get the process started? Background : 4 months past, the initial communication from XXXX was XX/XX/XXXX : Good Morning this is XXXX the supervisor of the XXXX XXXX XXXX XXXXHere is your ticket # : XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, attached letter advised : still investigating your dispute claim. 

XXXX supervisor XXXX refund offer was accepted, never an exchange as XXXX XX/XX/XXXX mischievously reported to and by NYS Attorney General. The scope, confusing and credit score negative impact of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, credit bureau reporting is attached ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit Bureau Reporting. 

4 transactions are detailed in attached PURCHASE of XXXX XXXX XXXX XXXX XXXX and RETURN of XXXX XXXX  XXXX. The XX/XX/XXXX and XXXX, XXXX refund of the XXXX XXXX XXXX XXXX purchase ( 1 ), XXXX  XXXX return ( 4 ) and 2 other related transactions ( 2 and 3 ), as evidenced in attached, remains awaited. 

Please confirm the transaction order of the XXXX supervisor XXXX refund to be 4, 3, 1 and 2. 

Reply, reflecting XX/XX/XXXX and XX/XX/XXXX promised XXXX refund, from XXXX XXXX XXXX XXXX  XX/XX/XXXX letter also remains awaited. 

Confirmation is awaited from XXXX  and XXXX  that they will not be willing maligned participants in the XXXX XXXX XXXX XXXX XXXX mischief as they did to my burdensome XXXX fraud hurt ( XXXX XXXX account # XXXX XXXX XXXX ), re : attached ACTIVITY ON XXXX  AS REPORTED BY XXXX  XX/XX/XXXX to XXXX XXXX. 

Equifax chose avoidance of the XXXX fraud. Confirmation is awaited from Equifax that they will not be willing participants in the XXXX XXXX XXXX XXXX XXXX mischief.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX XXXX XXXX has crossed the line into intentionality and recklessness, they are making false credit reports damaging my credit reputation and causing lenders to deny me for their errors on my credit report. 

I have disputed these errors for over a year and a half on many occasions and XXXX continues to fail to correct the glaring errors that I have pointed out to them that exist at Experian and XXXX. 

Please dear XXXX, have the professionalism and ethical ability to fix the errors you mentioned and listed below, I have the right to a 100 % accurate report, ( THE LAW REQUIRES IT ), it is very important to me and I would not accept anything less than that, 99 % is not 100 %, the law says that every account reported to the ( CRAs ) must be 100 % accurate and verified. 


Account name : XXXX XXXX XXXX Account number : XXXX Date Opened XX/XX/XXXX Status Paid, Closed. 

Errors : 1-You report in Experian and XXXX the opening date was XX/XX/XXXX, but in the PAYMENT HISTORY, the first report is from XX/XX/XXXX. This is contradictory, the payment history does not report anything for XX/XX/XXXX. Is the opening date incorrect? Is the payment history incorrect? Which one is correct? Please correct this or delete the entire account. 

2-why did you block or DELETE BALANCE HISTORIE? 

Why don't you report the balance paid month by month from when the account was opened until it was closed? 

Why don't you report the scheduled payment every month from when the account was opened until it was closed? 

Why don't you report how much I paid each month from when the account was opened until it was closed? 

Please provide all these details mentioned in the Balance History or delete the entire account 3-In the payment history, you have ND ( which I understand means No data ) for the months of XXXX, XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX. Why do you not have any data for these months? Why is the data missing? Please correct all the data or delete the entire account. 

4-Why is there no recent payment reported in Experian? This space is to be filled in, not left empty. Enter a recent payment or delete the entire account. 


Please CFPB and XXXX, so that my account is one hundred percent accurate and verified, these accounts have been paid in full and have errors that directly affect my financial health, so be 100 percent accurate or delete the entire account. 

I am attaching evidence directly from the Experian report where I demonstrate the errors mentioned. It is worth mentioning that this account has already been removed from XXXX for not complying with the FCRA. 

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

The company I am disputing is Upgrade credit card. I applied for the hardship program with them due to Covid-19 and they still reported 2 late payments ; one on XX/XX/XXXX as 30 days past due and one on XX/XX/XXXX as 60 days late. This is inaccurate as the hardship program protected me against this happening. My account is paid up to date and these late payments need to be removed from my credit report immediately as this is affecting my credit score greatly and the information is not accurate.
Product: Debt collection

Account Not a Valid collection - item was to be Deleted with Payment in the month of  XXXX  and  XXXX  I contacted SYNCB regarding my SYNCP / JCP and SYNCP /  XXXX   XXXX .   I spooked to numerous representatives and supervisors unfortunately they feel that the bank has the power to keep the item on the report for more 10 years those account past the statue of limitation period and they are still reported incorrectly Accounts was sold to another lender and they never verified the settlement with the lender and never reported this account as Settled accounts still showing Negative on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW OWN OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). THIS IS UNAUTHORIZED REPORTS ON A PUBLIC CREDIT SCORE. WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. I HAVE REPORTED THESE COMPANIES THIS WEEK. THIS CORRESPONDENT IS FOR THE VIOLATIONS THAT XXXX, TRANSUNION, AND XXXX HAVE COMMITED. PURSUANT TO 15 U.S.C. 1681 ( n ) ( a ) ( 1 ) IT IS A {$1000.00} FOR EVERY VIOLATION. I DEMAND TO BE COMPENSATED FOR DAMAGES ASSOCIATED WITH THE 3 CREDIT AGENCIES LISTED.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and 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 shall block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 card

I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate and harmful to my credit score. I request that you investigate and remove the following items from my credit file : XXXX XXXX XXXX Account Number : XXXX I have no recollection of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this incorrect data from my credit file immediately. 

XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX I have no recollection of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this incorrect data from my credit file immediately. 

XXXX TX - Account Number : XXXX XXXX  TX - Account Number : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I have no association with these companies and do not recognize these accounts. I am interested to know how you were continuously able to verify these accounts. I request that you remove these frivolous accounts from my credit file right away. 

XXXX - Account Number : XXXX I have no recollection of ever belonging to this account. It is not possible for you to update an account that I have no association with. I request that you remove this frivolous account immediately from my credit report. 

XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX These accounts have been charged off and should not have any payment history. I am interested to know how you were able to verify payment history on these accounts. I request that you delete these accounts from my credit file immediately. 

U S DEPT OF ED/XXXX - Account Number : XXXX U S DEPT OF EDXXXX - Account Number : XXXX U S DEPT OF ED/XXXX - Account Number : XXXX Please review the transfer dates on this account, as the late payment history may be inaccurate. Furthermore, I have no recollection of belonging to these accounts. It is not possible for you to update an account that I have no association with. I request that you remove these frivolous accounts immediately from my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After recently looking at my credit report, I noticed unauthorized inquiries, and collection accounts reporting to my credit that I do have contracts with
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following unauthorized account and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my consent. Under XXXX5 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these fraudulent items be removed promptly. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I, XXXX XXXX, am submitting this complaint regarding multiple fraudulent accounts opened in my name without my authorization. These accounts, which were opened using my personal information without consent, are inaccurately reported on my credit report and have caused significant harm to my XXXX score. The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX {$370.00} Account Number : XXXX, XXXX XXXX XXXX {$690.00} Account Number : XXXX, XXXX XXXX XXXX {$50000.00} Account Number : XXXX, XXXX XXXX XXXX XXXX {$20000.00} Account Number : XXXX, XXXX XXXX  {$30000.00} Account Number : XXXX, XXXX XXXX XXXX {$20000.00} Account Number : XXXX, XXXX XXXX XXXX XXXX {$8300.00} Account Number : XXXX, XXXX XXXX XXXX XXXX {$33000.00} Account Number : XXXX, XXXX XXXX XXXX XXXX {$20000.00} Account Number XXXX XXXX, XXXX XXXX XXXX XXXX {$23000.00} Account Number : XXXX, XXXX {$1800.00} Account Number : XXXX, XXXX XXXX {$99000.00} Account Number : XXXX, XXXX XXXX {$11000.00} Account Number : XXXX, XXXX XXXX {$33000.00} Account Number : XXXX, XXXX XXXX {$5200.00} Account Number : XXXX, XXXX XXXX {$2900.00} Account Number : XXXX. In accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I request that these fraudulent accounts be immediately blocked and removed from my credit report. As the law states, credit reporting agencies are required to block identity-theft-related information upon receiving notice and supporting documentation. I have already submitted disputes to the relevant credit bureaus, but the fraudulent accounts remain on my credit report. I am seeking the CFPBs assistance in ensuring the prompt removal of these accounts and in notifying any parties who accessed my credit report within the past XXXX months of the corrections made. Failure to remove these accounts is causing ongoing harm to my credit profile, and I am prepared to pursue further legal action if necessary. Thank you for your attention to this matter. Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

There are certain accounts that have been reported inaccurately on my credit report. These inaccuracies are significantly impacting my credit score, causing it to decrease. It is crucial that immediate action is taken to address this issue. I kindly request that these inaccuracies be promptly blocked, removed, or corrected through appropriate measures. This is essential to ensure the accuracy of my credit profile and to prevent any further negative consequences on my financial standing.
Product: Credit reporting or other personal consumer reports

Lexisnexis has violated my rights as a consumer under state and federal laws. They are sharing my personal information without my written permission. Even if they share my information negligently, they are in violation because my private information is federally protected.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or authorized. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please remove inquiries never authorized by me : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Also remove the accounts below that were never authorized by me : XXXX  XXXXXXXX XXXX handle by XXXXXXXX XXXX XXXX for the amount of {$760.00} XXXX XXXX. XXXX XXXX XXXX XXXX handle by XXXX XXXX XXXX for the amount of {$2200.00} XXXX XXXX. handle by XXXX XXXX XXXX for the amount of {$3500.00} XXXX XXXX. handle by XXXX XXXX XXXX by the amount of {$1100.00} XXXX handle by XXXX XXXX for the amount of {$5300.00} XXXX XXXX XXXX XXXX handle by XXXX  for the amount of {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting inaccurate information to all three credit bureaus XXXX, Experian and XXXX. They are reporting that I was late 30 days one time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.
Product: Credit card or prepaid card

I have had an American Express card for 11 years, with no problems up until now.

My interest rate was at 11 %, and they hiked the rate up to a usury rate of 17 %, without notifying me ( as required by law ) of the increase.

My credit is perfect, as in absolutely no derogotory items, and I have never missed a payment in my life ( across all accounts ).

When I called American Express ( over 9 times now, which I've recorded all ), I received the following information : 1 ) The reason for my rate increase was : -I have used the cash advance feature -I have used my card internationally/in XXXX 2 ) Another manager negated the above, and said that's not correct. Thanks for correcting the obvious.

She proceeded to put me on hold, as she tried checked all mailings to me. She came back on the line, and told me she would call back within the hour.

When she called back, she stated " XXXX, after reviewing all letters to you, I can confirm I don't see any correspondence notating a future rate increase. '' She subsequently sent me to another department for review. Days later they got back to me, and told me " a marketing letter was sent to you outlining the upcoming change. '' This is a complete lie, and it never happened.

They are increasing rates across the board, and then subsequently telling the consumers that complain that in accordance with the law they sent a letter detailing the upcoming rate increase.

LIE Show me the letter? I'm sure you have a digital copy, where is in my online account?

CRINIMAL
Product: Debt collection

About three weeks ago ( or so ) I got a call from a number I didn't recognize. The man mispronounced my last name, which is common. I said, " this is XXXX '' to make it easier. My voice is actually kind of high, and he thought I was a child. He asked if I was " of age '' and I said I was. He then said it was about the XX/XX/2016 accident. I immediately said I haven't been in any accidents. He said I was " in the screen. '' I replied that I do n't drive, don't have a license and was not involved in any accidents. He told me there was an outstanding {$1000.00} ( approx, don't remember exact amount he stated ), and was trying to find a man, whom he named. I didn't know the name. He then asked to verify my address and I said no and hung up. 

Today, I got a letter from XXXX XXXX of Thomas George Associates , LTD in NY. The letter stated that the company had repeatedly tried to contact me and I had ignored them. This is the first time I have ever heard of this company. The letter goes on to state that I owe {$1400.00} based on a XXXX XXXX claim, but the ( claim number belongs to XXXX XXXX ). I have 30 days to dispute it then they send details and a judgment. The letter does not state what it is I am supposedly indebted for, or provide any details whatsoever. 

The letter has my last name very misspelled and my address contains part of my old address, so is slightly incorrect. 

I don't know if the letter and phone call are connected, but it feels like a pattern, or the start of one. 

I don't owe anybody any money and I was not involved in any accidents. No insurance company has tried to reach me about anything I would owe, and I can't imagine any reason I would owe anything. 

I called XXXX XXXX a few minutes ago and left a voicemail telling him I owe nothing and know nothing about this and that any further contact would be considered harassment. 

I am actually afraid this is going to be a huge problem and I am baffled how this came to me. I don't know what to do. I am afraid to contact that company again. 

Thank you for your kind assistance.
Product: Debt collection

Greetings. Me and my business ( XXXX XXXX XXXX ) have received a lawsuit from American Express. What do you recommend I do? Do I try to ask to settle out of court, and do you represent me in situations like this? I am not sure exactly which account this lawsuit is coming from. I am having financial hardship, but am willing to work with the company. 

I attached the information and the XXXX XXXX XXXX XXXX number. They say I have XXXX  days to reply before a judgement is made automatically. I also have random law firms reaching out to assist once they saw the case filed. On average how much should I even pay for representation in a case like this, if you can not assist? Thanks. 

The amount is {$3300.00}.
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the XXXX  that I have on my credit report. XXXX clearly stated that they could not locate the following XXXX  records on my file. XXXX  XXXX XXXX. XXXX. If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. 

They also said this. 
In an effort to resolve the consumers concern, XXXX initiated a dispute, and that investigation was resolved on XX/XX/year>. During our investigation, XXXX did not locate the following records listed below in the consumers file with XXXX : XXXX  : XXXX XXXX XXXX A resolution letter outlining the results of our reinvestigation and the consumers statutory rights will be mailed directly to them for their review. 
Disputed XXXX  record case number XXXX submitted to credit bureaus.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX-XXXX  XX/XX/XXXX -- {$640.00} XXXX  # XXXX XX/XX/XXXX -- {$1300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$150.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$640.00}