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

I AM A SURVIVOR OF XXXX XXXX. I AM ENTITLED TO HAVE ADVERSE INFORMATION RELATED TO MY XXXX SITUATION REMOVED FROM MY CREDIT REPORT. I AM DEMANDING THE REMOVAL OF ALL ADVERSE CREDIT REPORT ITEMS AS PROVIDED UNDER SECTION XXXX OF THE FCRA. I HAVE ALREADY SUBMITTED A FORMAL REQUEST TO EXPERIAN, ALONG WITH THE REQUIRED GOVERNMENTAL DETERMINATION DOCUMENTATION FROM SHARED HOPE INTERNATIONAL TO VERIFY MY STATUS AS A XXXX XXXX DESPITE MY REQUEST EXPERIAN HAS NOT RESPONDED APPROPRIATELY AND HAS FAILED TO REMOVE THE ADVERSE NEGATIVE INFORMATION TIED TO MY XXXX EXPERIENCE CAUSING A HINDERING IN THE QUALITY OF MY LIFE, AS WELL AS, THE LIFE OF MY FAMILY. 
THE SPECIFIC ACCOUNTS INVOLVED ARE AS FOLLOWS : XXXX XXXX XXXX XXXX  opened under account number XXXX on XX/XX/XXXX. 
Reason for Removal : This account was opened as a result of human trafficking. XXXX  XXXX opened under account number XXXX on XX/XX/XXXX. 
Reason for Removal : This account was opened as a result of XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened under account number XXXX on XX/XX/XXXX. 
Reason for Removal : This account was opened as a result of XXXX XXXX 
XXXX XXXX opened under account number XXXX on XX/XX/XXXX. 
Reason for Removal : This account was opened as a result of XXXX XXXX 
XXXX XXXX XXXX XXXX  XXXX under account number XXXX on XX/XX/XXXX. 
Reason for Removal : This account was opened as a result of XXXX XXXX 
XXXX XXXX XXXX opened XXXX the following account numbers and dates : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Reason for Removal : These accounts were negatively impacted by the XXXX XXXX XXXX 
In compliance with Section XXXX of the FCRA, I ask that Experian promptly block and remove this adverse information from my credit report within XXXX business days of receiving this request. 
I REQUEST THE CFPB 's ASSISTANCE IN ENSURING THAT EXPERIAN COMPLIES WITH SECTION XXXX OF THE FCRA BY REMOVING ALL THE LISTED ADVERSE ITEMS FROM MY CREDIT REPORT.
Product: Credit card or prepaid card

I was notified on XX/XX/XXXX by the fraud department from my Barclays rewacard that a charge from XXXX for {$4700.00} was trying to be an issue I contacted the company and told them no meanwhile I've been in billing issues with them since XX/XX/XXXX where they have had me at collections twice with the same issue no final bill to this date that the charge was reversed and a new card was issued. On XX/XX/XXXX of this year XXXX with the new card again ran the {$4700.00} and that I was told later after investigation from several departments and several people and the case number I have is XXXX after six months trying to get to send them back they credit me back {$1200.00} when I contacted my credit card company again I was told it it was coded incorrectly as a fraud and not a billing issue so a Other case number had to be open that is not correct I was able to speak with a supervisor name XXXX and was told that they go by algorithms and this is why I was allowed to exceed almost 59 % of my credit limit now I'm over the credit limit in collections twice and no final bill from the vendor who actually I have asked my credit card company if I had gotten into a store and tried to charge {$4700.00} it would've been denied I do not understand algorithms and this should've never been posted on my account they have ruined my credit I need help thank you When I asked the supervisor if I had of walked into a store and tried to do that with the algorithms work then and she could not answer that question she also couldn't understand why it would exceed that much already owe them {$2400.00} and my credit limit is only XXXX they have doubled my credit profile causing me to lose 49 points in one day on my credit report
Product: Debt collection

I got a call from payment   XXXX   XXXX   stating that I owed a debt on behalf of my bank. They advised me even though my bank account has been closed and I was never made aware of any debt by my bank before I closed my account I still needed to pay them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been identified as such in the U.S. District Court. The individual that is responsible has been tried, convicted and pled guilty to the charges. My credit rating has been destroyed and because of the theft I have had to sell my home and move to another state where the cost of living is lower. I was unable to qualify for a mortgage due to my low credit rating, I had to pay cash for a less expensive home and also pay for a car from my investment funds due to being unable to obtain financing. My monthly income was reduced substantially because my investment funds didnt generate enough money for my income. Because I had to pay cash for a home and a car, it reduced the amount of funds that I was able to invest with. I have had to pay higher rates for my home car and health insurance due to the credit rating. Before the identity theft my credit rating was above XXXX. Currently it is at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Court Docket # XXXX XXXX XXXX XXXX. 
Account # XXXX {$14000.00} Date on report XX/XX/XXXX XXXX XXXX XXXX. 
Account # XXXX {$11000.00} Not seeing this account on credit report, only with XXXX XXXX XXXX. 



XXXX XXXX XXXX XXXX  Account # XXXX {$20000.00} Date on report XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter on XXXX XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion and XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION XXXX XXXX XXXX XXXX
Product: Debt collection

In a previous complaint filed with this same company I mailed certified mail and faxed them a written request to NOT call my employer. XXXX called my employer after this company received notice to not call my employer.
Product: Credit reporting or other personal consumer reports

I did not authorize a hard inquiry on XX/XX/year> on my credit report. Please remove
Product: Credit reporting or other personal consumer reports

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
. 
XXXX XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX I looked at my TransUnion credit report on XX/XX/year>, 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 ( XXXX ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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-XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company stating that they wrote {$640.00} off of the loan. This is untrue as I paid the entire amount in full. I have disputed this twice and XXXX XXXX XXXX XXXX has refused to update with the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed inaccurate items on my report and it has been well ove 30 days with no acknowledgement or results this now means these items are inaccurate and unverifiable and need to be deleed right away
Product: Credit card or prepaid card

multiple times since XXXX of 2016 I have disputed full debts charged to my card, which were not placed in or anywhere near my location ( 600mi away ). The card was racked up twice to its limit, account is double the limit because XXXX/comenity refuses to acknowledge that the debt is fraudulent. they refuse to report the account as closed, let me deal with a 3rd party collector, or fairly dispute the account. I have on time payment until this timeframe. the debt isnt mine, I have had other cards closed and deleted for less, but this bugger wont follow the law.
Product: Credit card or prepaid card

Since XX/XX/2022 have been receiving all day harassing phone calls from LVNV lending company. I am on welfare, medically XXXX with no income. I told them this in at least XXXX conversations. They sent the case to small claims court anyway and are threatening me with a state XXXX. I told the court the same financial & medical hardship as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicate collection accounts from one collector show up on all three reporting agencies, Equifax, XXXX and XXXX. Account information incorrect Collection agency went through a period of multiple harassing phone calls to my cell phone even after my telling them not to call. 
I called the collection agency XX/XX/2019 the agent admitted account duplication and reporting and refused to discuss removal. 
I have disputed accounts with Credit Bureaus but issue has never been resolved. Credit bureaus have failed to correct. Incorrect information remains on my credit reports and is noted as verified but disputed. 

The offending collection agency is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX See attached information copied from credit report
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and nticed an account that was not reporting accurately. I had a late payment on account that was in fact paid on time. The customer reporting agencies need to report all information with complete accurately. This account had not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/2018 ). I am now requesting again that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

XXXX late payment - XX/XX/2018
Product: Credit reporting or other personal consumer reports

I believe my information was involved in that leak XXXX XXXX begin punish
Product: Checking or savings account

Hi, I 'm a Citibank customer. They offered saving promotion which you deposit Requirement : {$25000.00} minimum and then you would get {$700.00} Savings Bonus after 3 months. 
So I applied for the promotion online around in mid-XX/XX/XXXX. 

Then after around 2 months, I called Citibank and asked about the reward. The customer support told me that it is not 3 months yet and told me to call back later and gave me the promotion code. Promotion code : XXXX. Then around 4~5 months time, I called in again and asked why I have n't received the money. Then the customer support told me because many people applied for the reward Citibank has to gather the money and distribute all the money at once and asked me to wait. 

Then in XX/XX/XXXX, I called in again and asked why I still have n't got the reward. This time Citibank told me I do not qualify for the promotion so I that is why I have n't got the money. I told them why I 'm not qualified, I kept {$25000.00} in the saving account. They told me I did n't deposit the money during that promotion time and was deposit before. Then I asked them, then why did n't you tell me the first time I called the customer support. This is the 3rd time I call and you are telling me I do not qualify after all these months. Why did n't tell me the first time? They blamed on the previous customer support and I was furious. 

This is really bad business practice and a dishonest bank.
Product: Credit reporting or other personal consumer reports

This inquiry is not authorized and was done by the creditore without my knowledge or permission!! you must remove these inquiries as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXXXXXX, 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: Money transfer, virtual currency, or money service

ADVANCE advertised had a fee of 3 % of the amount transferred. However, at the end of the ad, it stated that the max fee was {$50.00}. I transferred and was charged {$300.00}. A PNC Agent filed a complaint for me on XX/XX/2021. I haven't heard from the settlement person in 36 hours. I'm filing this in case I NEVER hear!
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Approximately once a month or more frequently, I receive a recorded message on my answering machine stating, " This is a message from EOS CCA. This is an important call about a debt collection. Please call XXXX. '' I do not have any late or unpaid debt at the moment, so I believe these phone calls to be fraud activity and illegal. I have researched this company online, and it has a history of fraudulent and illegal activity.
Product: Debt collection

On or aboutXX/XX/XXXX I contacted Portfolio Recovery Associates to settle a debt that has been in dispute due to damaged goods received and not replaced, by XXXX. ( Which will be another complaint that violated my Fair Billing rights ). During the validation of who I am with the PRA associate, she asked if I was also going to settle or pay my XXXX debt they have from XXXX XXXX  stemming fromXX/XX/XXXX. I explained to her that the debt she is referring to was discharged in XX/XX/XXXX by Chapter XXXX Bankruptcy. She insisted that I still needed to pay PRA. I once again explained to her that PRA can not collect on a debt, or should it be on their books, after a Bankruptcy Court discharged my debt. At this point I ceased this part of the conversation and asked her to address the matter in which I called, the debt from XXXX  
Towards the end of the conversation, I requested that she have someone from PRA, in Authority, to call me and address the attempted collection. I have not received any sort of communication.

Name of company : Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Thank you and I look forward to our correspondence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian XXXX : Factual Dispute Regarding Credit Reporting** Dear Credit Bureau Representatives , I hope this letter finds you well. I am reaching out with a heavy heart, as I must formally dispute information on my credit profile that I believe is inaccurate. 

The account in question pertains to XXXX. Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute any information I feel is incorrect or incomplete. It is deeply concerning to me that the information reported by XXXX does not seem to meet the standards of maximum possible accuracy as mandated by the FCRA. 

The FCRA includes several key provisions that support my dispute : 1. **Right to Dispute : ** Consumers have the right to dispute any information on their credit report that they believe is inaccurate or incomplete.

2. **Investigation Requirement : ** Upon receiving a dispute, credit reporting agencies must conduct a reasonable investigation of the claim and typically have 30 days to complete this investigation.

3. **Verification of Information : ** If the agency can not verify the accuracy of the disputed information, it must remove or correct it from the credit report.

4. **Notification : ** Consumers must be notified of the results of the investigation. If the dispute is resolved in the consumer 's favor, the agency must provide a free copy of the updated report.

5. **Right to Add a Statement : ** If the dispute is not resolved to the consumer 's satisfaction, they can request that a statement explaining their dispute be added to their credit report.

These provisions are crucial in ensuring that consumers like myself have the ability to correct inaccuracies that could negatively impact our creditworthiness.

I kindly request that you investigate this matter and take the necessary steps to remove or correct any inaccuracies associated with my account. I have enclosed relevant documents to support my claim, and I sincerely hope they will aid you in your investigation. 

Thank you for your attention to this matter. I would greatly appreciate a prompt response, as the accuracy of my credit report is vital to my financial future.
Product: Debt collection

The following items were all placed on my credit report at the same time. Phoenix Financial Services called and threatened to ruin by credit by placing the same item in collection multiple times. There should be only one ( 1 ) item, not four as submitted by Phoenix Financial Services. There is also an error in the Opened date. This one medical debt is several years old. I did not go to the doctor XX/XX/2019. I do not think Collection Agencies should be able to deliberately place multiple items on your credit in an effort to threaten me into paying. Can you please help me. My credit score dropped 24 points due to the four ( 4 ) Collection items added erroneously by Phoenix Financial Services. 

XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The date XXXX appears to be a future date ( XX/XX/year> ). This is impossible and indicates a reporting error or a system glitch. Credit reports should not include future-dated information because it is not valid or accurate. XXXX. Conflicting Alerts The report mentions multiple alerts, such as : " INITIAL FRAUD ALERT '' " ID SECURITY ALERT '' " FRAUD VICTIM '' " XXXX XXXX ALERT '' The use of " XXXX XXXX XXXX XXXX '' is unclear and does not follow standard credit reporting formats. It may be a system code, but it is meaningless to consumers and could indicate a reporting issue. The phrasing INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT is vague and lacks clarity. It should specify what action needs to be taken and by whom. The statement PLEASE BLOCK AND REMOVE ALL INACCURACY FROM REPORT DUE TO IDENTITY THEFT is vague and does not specify which accounts or items on the report are inaccurate. Credit reporting agencies require specific details about the accounts or entries you are disputing in order to take action. 

XXXX. XXXXFair Credit Reporting Act ( FCRA ) XXXX Inaccurate reporting, failure to investigate disputes, failure to place or maintain fraud alerts. 
XXXX. **Identity Theft and Assumption Deterrence Act ( XXXX ) ** Fraudulent use of your identity, failure to block fraudulent information. 
XXXX. **Fair and Accurate Credit Transactions Act ( XXXX ) ** Failure to prevent identity theft, failure to place fraud alerts. 
XXXX. **Gramm-Leach-Bliley Act ( XXXX  ) ** Failure to protect personal information. 
XXXX. XXXXConsumer Financial Protection Act ( XXXX ) ** Unfair or deceptive practices by credit bureaus. 
XXXX. **State Laws** Failure to comply with state-specific credit reporting or identity theft protections. 
XXXX. **FTC Act** Deceptive or unfair practices in reporting or addressing identity theft.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account XXXX : XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX