23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 noticed a ton of problems on my credit report after my XXXX XXXXXXXX account notified me that my information was on the black market I checked my credit report and I have not tried using my Credit for inquirys at all recently And there are a ton of inquiries recently on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions.
Product: Prepaid card

Tried to use the Amex Gift Card XXXX XXXX and it will not work.
Product: Credit reporting or other personal consumer reports

There was an issue with my address on my XXXX  credit card account, causing my card and statements to go undelivered. We have finally resolved the issue please update records and remove late payments.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 at XXXX am I reported the Fraudulent use of my personal Identification and information to the XXXX XXXX Police Department. XXXX XXXX ( XXXX ) completed the report and XXXX XXXX ( XXXX ) approved the report. 

At the time of the report I was being harassed online by someone who was changing all of my username and passwords to bank accounts, XXXX, XXXX, XXXX XXXX, XXXX website builder accounts, my email address and my XXXX account. The thief started to text me with demands for me to complete in order for him to stop. 

I checked my credit and notice several accounts that I did not apply for and noticed a different social security number attached to my XXXX, and XXXX report. 

The accounts in question that still remain to be an issue are DISCOVER, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. 

I filled out the FTC report number XXXX and sent a copy to XXXX, XXXX, and XXXX. XXXX promptly responded to the fraud and removed the accounts in question. This complaint is against XXXX and XXXX. 

For the past 3 years I have been submitting dispute after dispute to XXXX and XXXX concerning DISCOVER, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. These disputes on the XXXX side keep coming back with the comments as " AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT. 

The dispute was for fraud and some how they keep trying to verify a debt which is not the disputed part of the claim. Apparently a computer is doing all of the work and no one is paying in attention for the pasXXXX XXXX years. 

I recently furthered my investigation into these accounts and found multiple reporting errors. Discover reported the debt as first being delinquent on XX/XX/2019 and on XXXX of 2019. They also report the account as having an available credit of $ XXXX. How can a closed charge off account report as available credit on any report. 

No accurate responses to my disputes from XXXX or XXXX. Instead I just keep getting generic computer generated responses.
Product: Credit reporting or other personal consumer reports

A collection agency account, XXXX XXXX XXXX, recently appeared on my TransUnion credit report, for a debt that I do not owe. I submitted irrefutable proof that I do not owe the debt that the collection agency is claiming in a dispute I filed with TransUnion, however TransUnion refuses to remove the account from my credit report. XXXX XXXX XXXXXXXX XXXX made an error on a checking account that I had requested to be closed in XX/XX/2022, by mistakenly adding overdraft fees on the account that was supposed to have been closed. I notified the bank of its error, and they removed all of the fees ( {$150.00} ), and issued a final statement showing a {$0.00} balance on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have had XXXX  since XX/XX/XXXX, and I obtained these services online. I secured a loan with Citizens Bank, but my credit report reflected a delinquent account that did not belong to me, nor did I authorize it. I attempted to dispute this information and reached out to the company, but the dispute was unsuccessful. This is against my rights as a consumer, and I request the removal of this invalid account and its associated information from my credit report. This issue is negatively impacting both my business and personal life, making it difficult to obtain additional credit. I am a victim of identity theft, and I reported my personal information being leaked on social media. I contacted my local authorities and filed a police report. Additionally, I filed an identity theft report on XX/XX/XXXX. I have been a XXXX  customer since XXXX and continue to use their services as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted An investigation With XXXX Equifax And XXXX for the Account XXXX Credit Card with account XXXX # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX By XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. 
Please kindly assist with this matter.
Product: Mortgage

we have been trying to refiance since last XXXX.we sent in everything that they requested from us, now today I get a letter stating that since I have not been late with my payment of which is XXXX every month at XXXX interest rate that I do n't gualify we liveon a fixed income of pension from my husband and social security for XXXX us besides we have XXXX mortgage the second is XXXX so I pay every month XXXX every month besides our every month bills all I want is to reduce our interest so we can survive a little better we ca n't get help from harp and XXXX act of which I do n't understand why please can you help us XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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

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, XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Had a fraudulent transaction on my account, that was then promptly followed by overdraft fees with overdraft protection enabled on my account. I contacted US Bank when I noticed the fee 's, they refused to remove the fraudulent transaction because of how long it took me to notice the transaction and continued to bill me more overdraft fee 's totaling over {$400.00}. This occurred during the pandemic.
Product: Credit reporting or other personal consumer reports

Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Attached are the pertinent documents supporting my assertion.
Product: Credit reporting or other personal consumer reports

I require your support to amend the inaccurate account shown on my credit report. This error is damaging my reputation, and I need your prompt assistance to address and resolve this matter.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXXXXXX 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 am writing to express my deep frustration and dissatisfaction with the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and multiple communications with your institution, these fraudulent entries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution and the credit reporting agencies to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent items remain unresolved. 

It is extremely disheartening to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my credit file. These fraudulent entries not only affect my credit score but also raise concerns about potential identity theft or fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution and the credit reporting agencies in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my credit file have left me feeling frustrated and disillusioned. 

As a consumer, I have the right to expect accurate and up-to-date reporting of information on my credit file. The repeated failures to address this issue not only undermine my confidence in your institution 's ability to handle consumer concerns but also reflect poorly on your commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my credit file, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my credit file. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the accuracy of my credit file. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XXXX of this year I have disputed this account as the car was repoed and I was only the co signer I was never notified that the payments where not being paid until they repoed the car and that was back in 2015 and they refuse to remove it from my credit they just keep changing that dates on it so they can refresh the debt on my credit witch is not right
Product: Mortgage

Wells Fargo sent a denial and did not try to resolve this problem.They said that they do not have any programs to put me in. On the XX/XX/2019- said they were willing to investigate and assist on XX/XX/2019they sent out a denial without even contacting me or my realtor.

I am asking for help, they put another auction date in less than a month after last auction date. Please help me I'm beyond upset, they are always playing games. I'm so tired of this lender. If you investigate you would see how many times I reached out for assistance and for help to do a short sale to sell my home. 

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

I hereby write this email with a potent heap of frustration and an unwavering demand for corrective action pertaining to a gross violation involving XXXX XXXX on my credit report. 

With the utmost respect to your esteemed establishment, it is worth stating right off the bat that your lack of due diligence in cross-checking the reported data is nothing short of alarming. The mere inclusion of XXXX XXXX  in my report not only goes against my rights as a consumer, but is in clear violation of 15 USC 1681. Let 's not try to sugar coat this mess as it is glaringly obvious - XXXX XXXX  is a XXXX scam, a deplorable scheme dismissed by virtuous people and manned by a bunch of fraudulent jokers. 

The facts are straightforward. Last year, I turned in my vehicle and walked away from my contentious relationship with XXXX. Wrapped up my lease and paid a joyously beautiful amount of exactly nothing, {$0.00}, as my outstanding balance. The petered out spirit of investigation on your part, as well as the audacity of XXXX allowing this erroneous reporting, is a clear violation of my rights. They've had the gall to persistently misreport to the credit bureau, despite flaunting that lovely {$0.00} balance statement right in my face. 

To add fuel to already blazing fire - I'm quite sure you have knowledge of this - in XXXX  a class-action lawsuit was proposed against the dual evil entities of XXXX XXXX XXXX XXXX XXXX and the notorious XXXX XXXX XXXX XXXX XXXX The allegation was a hard-hitting one - they were violating the Fair Credit Reporting Act ( FCRA ) by shamelessly exhibiting their ineptitude in conducting proper investigations and demonstrating reckless abandon when recording disputed credit account information. 

It is sheer lunacy that we're still ruminating over this issue. XXXX is continuing to blatantly avoid investigating the items they're flippantly reporting to individuals ' personal credit. This reckless behavior is beyond scandalous, it's a crime and simultaneously a prime example of a company laughing at the tenets that govern it. 

I humbly demand although my patience grows incredibly thin that you carry out a thorough and reputable examination of this unjustifiable entry on my credit report. Your swift rectification of this grievous situation would be much appreciated. 

I look forward to seeing less of your procedural inefficiency and more of a restoration of your supposed reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in total disagreement with the EQUIFAX investigation response to my dispute from XX/XX/2022. The incorrect items listed below still appear on my credit report. EQUIFAX only changed the details and comments on each disputed accounts, EQUIFAX ignored my requested proof of their investigation, therefore EQUIFAX is violating the Fair Credit Reporting Act section 611 ( 5 ) ( A ) of the FCRA. EQUIFAX never provided me any method of communication they used to verify the information. EQUIFAX never provided me the documentation used to verify my dispute. EQUIFAX VIOLATED the Fair credit reporting act, public law 91-506, Title VI, Section 611, Subsection A-D. EQUIFAX is violating the standard of reporting compliance implemented with the CRSA enacted CDIA Metro 2 Compliance regulations. EQUIFAX USED A COMPUTER GENERATED VERIFICATION system called e-Oscar. ANOTHER VIOLATION.

DUE TO ALL THESE VIOLATIONS EQUIFAX NEEDS TO REMOVE THE INACCURATE AND INVALID ACCOUNTS LISTED BELOW IMMEDIATELY : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX