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

I am writing to lodge a formal complaint regarding the inaccurate reporting of an account on my credit file with TransUnion and XXXX. Pursuant to the U.S. Code 15 1681, and any other relevant laws governing fair credit reporting, I demand the immediate removal of this erroneous information from my credit report. 

On XX/XX/2024, I sent a letter to both TransUnion and XXXX disputing the presence of this account on my credit report. I have attached a copy of this letter, along with my valid identification bearing my current address, as well as a copy of my credit report highlighting the disputed account. Despite my diligent efforts to rectify this discrepancy, neither TransUnion nor XXXX have taken appropriate action to correct their records. 

It is worth noting that two other major credit bureaus have already acknowledged the inaccuracies in their reporting and have duly removed the disputed account from my credit file. Only XXXX remains, indicating a clear discrepancy in the handling of this matter. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The continued presence of this erroneous account negatively impacts my creditworthiness and financial standing. Failure to rectify this matter within 30 days will leave me with no choice but to pursue legal action. Furthermore, I reserve the right to seek damages amounting to {$1000.00} for each day that the inaccurate information remains on my credit report. 

I urge you to investigate this matter promptly and take the necessary steps to delete this inaccurate information from my credit file. Your cooperation in this regard is appreciated.
Product: Credit reporting or other personal consumer reports

I am writing this letter regarding the violations against me as a consumer by this credit bureau. 15 USC 1681 section 604 section 2 states ; In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.Furthermore, 15USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, XXXX, and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. " The furnisher of information does not possess written consent from me to access my personal information. 
Therefore, Per the FCRA as a federally protected consumer, I am now opting out immediately and indefinitely of any and all transactions I the consumer may have given unknowingly. Written, Unwritten, verbal, or non-verbal per 15 USC 6802 for all the following 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
Product: Debt collection

I was contacted repeadtedly adter hours in XXXX and XXXX. My income decreased and I told Navy Federal, I could not afford to pay what they wanted me to pay, which was over {$300.00} per month. They woud not negociate a payment i could afford. So I stopped communicating with them. I was contacted by mail once from their attorney a year later, XX/XX/XXXX. I attempted to negociate a payment I could afford, again nothing. I owe {$20.00}, XXXX. I just so happened to look myself up in the Maryland Court System and saw a lawsuit was filed against me on XX/XX/XXXX. No one ever contacted me.
Product: Debt collection

I have been getting relentless phone calls over the past month. There are too many calls to list. I would miss anywhere from 2-4 calls almost every single day. These calls were mostly made while I was at work. I spoke with a member I believe on theXX/XX/XXXX I explained my situation and why I was unable to make a payment at this time. I was pressed and pressed for more and more information and to why I have not made a payment. The call was not only invasive, it was disrespectful. She informed me that I would not receive any calls for 3 to 4 days. I received multiple calls the very next day. It was the same thing. Nothing I said was accepted and they kept pressing. I asked them to stop calling. The calls have yet to cease. The have harassed me every single day of the week multiple times a day.
Product: Debt collection

the day I turned XXXX I pulled my credit wanted to see what my credit was showing. when i logged in i saw a collection for a collection company linked to XXXX  i filled a dispute and i was removed within a few days. well I got a phone call from another collection company this past week trying to collect again, we told them the account was not mine and that you just turned XXXX and your not responsible well the collection company said i was still responsible. how can i be responsible for something that was opened in my name without my knowledge and prior to me being XXXX this is tied to an address i do not live at. 

please remove this is hurting me
Product: Debt collection

XXXX XXXX XXXX. They call me and my mother several times a day. And I have reason to believe that one of their representatives may have called my job yesterday looking for me. My supervisor answered and told me that it was a woman looking for me and said that it was " personal. '' She did not leave a name or a means of contacting her back. I checked with my family and it was none of them. By the time I went to answer the call, she had hung up. None of my other creditors have called for me at work before. But XXXX XXXX sent my debt to this XXXX XXXX and now I've received a call at work? I am suspicious that they were the ones who called me yesterday as no one else ( personal or business ) would have called my job looking for me when they have my cell phone number. I am issuing this complaint in the hopes that no more calls be sent to my place of work.
Product: Credit card or prepaid card

On XX/XX/XXXX I received notice from my credit card company ( XXXX  XXXX  ) that a {$2500.00} charge had been made against my account. I immediately called Capital One and reported the unauthorized charge. They informed me that the charge was made by a XXXX XXXX XXXX. They also told me it was for Professional Services. They then said their fraud division would investigate and at that time they removed the charge from my account. On XX/XX/XXXX the charge reappeared on my account.. I called Capital One and was told that the fraud department did not see any fraudlent activity, and that I needed to call XXXX. 
I have been trying to contact XXXX but have not been able to talk to anyone about this issue. I just get a total run around. I did not authorize this charge and had never heard of this XXXX before the charge appeared on my credit card statement. 
It is my hope that you can either help me with this issue or advise me where to seek help. I am a XXXX-XXXX  year old retiree on a very limited income, without the means to pay this unjustified charge. I have worked hard to keep my good credit rating and this will absolutly destroy my credit if I can not get is resolved. 
I am XXXX  XXXX, so any contact with me should be via email or the U.S. Postal Service.
Product: Debt collection

I have told FirstPoint to not contact me and XX/XX/2020 at XXXX XXXX  and I was threatened to have legal action taken against me and to have any place I work or relatives called and harassed. I told FirstPoint that this debt came from XXXX XXXX and XXXX and I had a cease and desist order for them not to harassed me and I the rep said we will call you when we want.
Product: Credit reporting, credit repair services, or other personal consumer reports

PRBC MUST disclose my consumer report to my mailing address provided below.
Product: Debt collection

I XXXX XXXX XXXX enter into a collection contract with NCB, with XXXX XXXX. File number # XXXX. I paid the car off through NCB. NCB, never reported the agreement with the XXXX Credit bureaus. Now, on my credit report is showing Negative derogtory credit every month on my credit report. I called XXXX, he will not correct or accept my calls. I feel like NCB took my money and never told XXXX XXXX that I made the final payments to NCB Collection XXXX My credit score is tanking due to NCB. I called XXXX XXXX they seem to know nothing about NCB collection agency. XXXX XXXX still shows a balance of XXXX, as of XXXX XXXX plus, the account shows written off and closed. I been defrauded by XXXX XXXX and NCB collection agency. 

XXXX XXXX account number # XXXX. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Someone stole my information and opened and created negative accounts fraudulently and applied and created all kinds of inquiries in my name ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I just complained about XXXX and they gave me 54 points back on XX/XX/XXXX. As of today XX/XX/XXXX its -47 points again. I dont understand why and how they can take so many points away when all been doing is complaining about my old student loans. This is so unfair to be treated this way. This is so cruel and evil of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items with on my credit report that are still in pending states 60-days later. Equifax 's confirmation # XXXX.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inaccuracies for XXXX : Equifax is missing the closed date, XXXX is missing the closed date and the remain on the record until date is listed XXXX/XXXX. XXXX on the record date is listed XX/XX/XXXX. 

XXXX inaccuracies : Equifax list 's paid as agreed and closed date XX/XX/XXXX. XXXX does not have a closed date and does not say paid as agreed, but only paid and closed. XXXX 's closed date is listed XX/XX/XXXX. 

XXXX inaccuracies : Equifax has no closed date, date updated or remain on the record info. XXXX has no date closed, the update date XX/XX/XXXX and the on the record until date is XX/XX/XXXX. XXXX date closed is XX/XX/XXXX and on the record until date is XXXX
Product: Credit reporting or other personal consumer reports

Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.
Product: Credit reporting or other personal consumer reports

I need negative hits on my credit to be resolved by the company
Product: Credit reporting or other personal consumer reports

I am seeking your assistance with a false account appearing on my credit report. This matter has harmed my reputation as a customer, and I need your support. I want these accounts removed as they are incorrectly and negatively reported.
Product: Credit card

XX/XX/year> Contacted Capital One because my account was locked. I could log in but not access my account information. Could not make payment. I called and made a payment over the phone and asked what to do to resolve it. They said to send in Marriage certificate again and a W9. I did this according to their instructions. 
XX/XX/year> I called back to resolve account issues because they had not resolved the account being locked : SS # on the Spark Card XXXX. 
Said the SS # is XXXX SS Drivers license Mail to : Capital One Fraud Operations XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX Business Days Fax : XXXX Each Fax request should only recent one card number.

Phone fraud operations : n/a They will contact me via phone or email.

When I re-enroll I will have to set up paperless settings.

They are un-enrolling my online accounts. 


XXXX XXXX Spark XXXX  : Tech Issues Specialist Spark XXXX  : 360-provided code XXXX : provided code The following week I sent this to them via priority mail. 

XX/XX/year> I called back again to make payment and resolve issue with my account. 
XX/XX/year> - [ ] XXXX side representative - [ ] Transferring to the digital tech team - [ ] XXXX-escalating the XXXX because she couldnt make a payment. 
- [ ] Case # XXXX Both representatives were unable to process a payment for me because of the issue with my account. 
She said I would be charged a late fee because of it but that they would take care of me. 
I am contacting you for help because this is impacting my ability to do my business. One of the cards is for my company, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please be aware that some false information that has been mistakenly validated as accurate appears on my credit record. No changes have been done, even though I've given proof that shows the information is false. 

This is against the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681i, which requires credit reporting companies to look into and fix mistakes. I want this situation looked into again right away, and I want the false information removed.
Product: Debt collection

Through a bad XXXX. I was left with a few credit cards and a lot of debt. I had 2 cards with chase Total was XXXX. On the phone with chase they accepted a settlement payment of XXXX. Which i drove to a chase branch and paid in full on XX/XX/2016 Bank told me it was all clear and account closed. But it is still showing on my credit report as unpaid. With multiple attempts calling chase and they found the problem twice as of to why it wasent reported clear which was a mistake on their part they promised to have this clear off of my credit report. And its still on my report. I dont know what else to do. This account has definitely been paid in full per their settlement agreement.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing that I was 30 days late XX/XX/2018 with my Chase Auto account XXXX. This was the month I did an extension and the XX/XX/XXXX payment was put on the back of the loan due to hardship. A month later I received a notification that Chase reported my account for XX/XX/XXXX days late. When I ( and my wife ) called an spoke with customer service I was advised that it was no reporting late on their end. The customer service rep said she would put a dispute in and it would be corrected. 30 day later ( XX/XX/2018 ) it was still on my report. I ( and my wife ) called again and spoke with customer service. At that time they advised again that it was not showing late on their end and it would be sent for dispute and I would get a letter in a mail advising me of the dispute. I never received anything in the mail. So I disputed it with all 3 credit bureaus. All 3 bureaus stated that the information was investigated and deemed correct. So at this point I am filing a complaint. Chase is advising me over the phone that it is not showing late in their system. But no one wants to remove it from my credit report and this is causing for me to have issues getting a mortgage due to the late payment and the points on my credit report is not increasing due this late payment. When I have talked to the
Product: Debt collection

On XX/XX/XXXX I called IQ data in regards to their response to my first complaint. I was told they had sent out information validating debt in XX/XX/XXXX, I never received it! They said they would be sending out again XX/XX/XXXX and I asked for them to verify my address they had on file and they gave an address that is not mine. I gave them my current address and was told they would be sending out validation of the debt as well as a fraud packet for me to complete. As if XX/XX/XXXX I still have not received anything. They are stating the was from XX/XX/XXXX for an apartment. I have been living at my current residence since XX/XX/XXXX with proof of my signed lease so not sure how I was living at this residence they claim the debt is for while living at my current residence. Im requesting validation to be sent to me by certified mail with proof is delivery to the address given on XX/XX/XXXX. Im requesting they provide proof in their response here uploaded of the proof of deliver for the proof of validation sent to me. This is a huge debt on my credit and if they cant provide validation of the debt as requested which by law I have the right to, I want this removed from my credit immediately!
Product: Credit reporting or other personal consumer reports

I have opted out of all authorization from XXXX XXXX XXXX and filed filed a complaint with CFPB. Letter and complaint attached. 

The Law say a Charge off is a certificate of indebtedness and is considered income and income can not be reported on a consumer report.

Privacy Act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Santander Consumer Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am one of the 143M Americans whose credit information was compromised by the recent XXXX  data breach. I have worked many hours to try to understand and respond to the situation, and I am still not out of the woods. It appears the most complete level of protection for my information is a security freeze, which will cost {$10.00} in my state, Texas. Though I may get it free from XXXX, who has announced no-charge freezes and thaws for a few weeks, for those whose information has been accessed. ( I do n't know yet if this applies to me, whose information " may have been '' exposed in this breach, as expressed in their web tool in which I entered the last 6 digits of my SSN- how come they ca n't just say yes or no?? ). I would strongly suggest that ALL credit reporting agencies offer free freezes and thaws upon request from any customer ( with appropriate ID verification ). Forever. And that they notify us any time that anyone has requested our information. These agencies are making money on OUR information, and I do n't recall giving them the OK to share that. If that 's what they do, they should be totally accountable for the safety and privacy of that information.
At this time I do not think anyone has committed any fraud against me, but the danger is clear. I believe any credit reporting agency, business operation or bank which uses people 's SSN 's and financial information must be held totally responsibly for any losses the person sustains.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX