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

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit card or prepaid card

On XX/XX/2020 Comenity Bank via my XXXX XXXX XXXX charged me the deferred interest on a 12 month promotional financing plan at the conclusion of my 12 month cycle. The billing cycle payment date was XX/XX/2020. I have multiple store cards that have promotional financing that syncs the payment date with the expiration of the promo financing. Comenity Bank sticks the expiration in the middle of your payment cycle so that if you're on autopayment you'll miss the expiration and end up having to pay the deferred interest charge. This seems like it's on purpose. We paid our bill on time every money ( splitting the balance across 12 months ). I phoned Comenity through XXXX XXXX and asked for the reversal of the finance charge of {$160.00} as we were only 7 days late ( difference between the promo end date and the payment due date of the card ). I spoke with a supervisor and was told that they will not do a courtesy reversal. This is an obvious attempt to mislead credit card users by not lining up the promo expiration date with the final payment due date.
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 items 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance : {$9600.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX A ) XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXXXXXX XX/XX/2022
Product: Debt collection

A few months ago, I saw a collection popped up in my account, but it isn't mine and I don't even know who it's from or what it was used for, I tried disputing it before, but it came back valid they said and I even requested documents proving the fact, but they did not even reply back when I asked for that proving that whatever is going on here, it's shady.
Product: Debt collection

Reported as of XX/XX/2024 {$250.00} LVNV FUNDING LLC THIS INSTITUTION IS REPORTING NEGATIVELY ON MY CREDIT REPORT! I DO NOT OWE THEM, I HAVE NEVER SIGHNED ANY AGREEMENT, PROPOSAL, OR CONTRACT WITH THIS INSTITUTION! I AM DEMANDING THAT THEY EITHER SHOW ME AN ORIGINAL CONTRACT SIGNED BY ME OR IMEDIATELY REMOVE THE NEGATIVE ACCOUNT FROM MY CREDIT REPORTS!
Product: Debt collection

WAKEFIELD AND ASSOCIATES  at XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX, has been sending me collection notices in the amount of {$2000.00}. The collection has been reported as past due balance. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 

Furthermore, this debt has already been disputed and removed from my credit report multiple times, under the name of different debt collection agencies.
Product: Credit card or prepaid card

I had 4 fraudulent charges were made against my Direct Express debit card on XX/XX/2020, which i get my government benefits sent to each month. All four transaction were international orders placed against my card. I believe there has been a security breach. 

1. ) XX/XX/2020 XXXX XXXX, XXXX {$3.00} International purchase fee 2. ) XX/XX/2020 XXXX XXXX, XXXX {$98.00} Cash purchase 3. ) XX/XX/2020 XXXX, XXXX {$.00} International purchase fee 4. ) XX/XX/2020 XXXX, XXXX  {$46.00} Cash purchase
Product: Bank account or service

I received a check form the State fo Delaware Office of Unclaimed Property in XX/XX/2016 and this was placed in my XXXX account for clearance. The bank sent this check to PNC Bank in USA for clearance on or about XX/XX/2016 and upon my follow up on XX/XX/2016 ( 8 weeks after presentation ) and a telex to PNC the check was returned on XX/XX/XXXX and I was informed as follows : Date : XX/XX/2016 at XXXX Subject : RE : XXXX- Inward XXXX cheque The update we received from the inwards cheque clearing team is as follows : 1. The original cheque was returned back to XXXX. 
- No reason was given on why the original cheque was returned to XXXX 2. The cheque clearing team has sent the drawee bank a demand draft for the upfront fee XXXX and the Cheque has been re-sent to the drawee bank via DHL On XX/XX/XXXX I requested an inquiry and was told telex and messages were sent to PNB but no response. On XX/XX/XXXX I escalated this to Officer in Charge and received this response : " We have just spoken to our Payment team & our investigation showed that we have since sent 6 SWIFT messages & 3 chaser emails to PNC Bank pertaining to this matter but we have yet to obtain any response on this matter. 
You may like to approach XXXX ombudsman and lay a complaint if there could assist us in obtaining a reply from drawee bank PNC. '' PNC has had this check since XXXX to date and has failed to either cash this check or provide a response. They have taken the payment of XXXX ( XXXX ) and ignored status inquiries. In another 2 months this check will expire and I will have to have it reissued at considerable expense and time. This is unacceptable for cashing a US department check and I would lke to know what PNC intends to do to remit the said funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate errors on my credit report. There is a current lawsuit for this against Experian. I expect this to be remedied as soon as possible. This has had a negative affect on my credit score and has greatly affected my ability to obtain correct rates.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION REPORT.

1.Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. 
XXXX XXXXPlease remove it from my credit report. 
2.the following account is not mine. 
XXXX XXXX ( original creditor XXXX XXXX XXXX ) Please remove it my credit report. 

3. The following account is inaccurate Delete from my credit report. 
XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ) Please remove it from my credit report. 

4..Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. XXXX : Please Delete it from my credit report 5.The following account is inaccurate : XXXX Please Delete it from my credit. 

6.The following account is inaccurate : XXXX XXXX Account number : Please Delete it from my account. 

7.The following account is inaccurate : XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete it from my credit report. 

8.The following account is inaccurate : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete from my credit report. 

9.The following account is not mine : XXXX XXXX : Please delete from my credit report. 

10.The following account is inaccurate : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Please delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 to 6 months I have been trying to get Equifax to correct incorrect information. I have sent in copies of drivers License, SS card, Passport, Medicare card, VA card, XXXX card and each of the three time sending in information requested they close the request with the word ( Unspecified ), ... Equifax I was told Equifax froze the information not at my request, but at an internal request once, second person said XXXX requested it? and they refuse to fix. Several months ago I was told a computer glitch, weeks later I was told internal error. I cant even log into my account, it only states " Try again later, Network error. '' Equifax on XX/XX/ requested it all again, sending onXXXX This same situation was worked on two years ago. never fixed.. Equifax has been not only un-cooperative, they have lied to me, provided false information, stalls and more. At XXXX plus years I just don't need the XXXX.
Product: Credit card

I havent worked since XX/XX/XXXX I have no money coming in they keep adding late fees they never would try to help me they keep calling and calling that is harassment i get like 5 to 7 calls a day
Product: Credit reporting or other personal consumer reports

On several occasions, starting on XX/XX/year>, I have written to XXXX XXXX XXXX requesting why they have inserted an account on to my credit bureau report that does not belong to me. 


XXXX XXXX XXXX Acct # XXXX Alleged Amount {$1200.00} A fair resolution would be to have them remove this false and misleading information from my Experian, XXXX, and XXXX credit bureau reports.
Product: Credit reporting or other personal consumer reports

This serves as my final notice before I pursue legal action. I have made multiple requests, and Im done asking politely. Despite my numerous notifications regarding inaccurate, erroneous, and unverifiable information on my credit report, no corrective action has been taken.

Under the FCRA, you are required to retain original documentation from creditors to confirm that the reported information is accurate and verifiable. In response to your investigations and subsequent reinvestigations, you stated in writing that this information is reported correctly. I have repeatedly asked for clarification on who verified these accounts, yet you have failed to provide any original documentation as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification as required under Section 611 ( a ) ( 7 ). Per Section 611 ( a ) ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any unverifiable information.

Sections 616 and 617 offer legal recourse if a credit reporting agency is noncompliant, which applies here. Since you have claimed verification of these accounts without providing any supporting information, I am giving you a final opportunity to DELETE the accounts immediately. 

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 XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX XXXX XXXX XXXX
Product: Debt collection

Someone named XXXX XXXX called me from XXXX regarding a important time sensitive matter reference to account number XXXX and asked to call back on XXXX ext. XXXX. They not only contacted me personally but also my relative regarding my information. However, in the voice mail that was left, he does not mention what company it is from and what it is for. In addition to the phone call I also received two mailing list email from FINMAX. It claims that I took a loan with creditor name XXXX XXXX ( Which in fact is not even a legit loan provider. ) I have never taken a loan from them and the email that was sent was very specious. Both the phone call and email was sent around same time at 5:45 PM CST on Thursday XX/XX/2021.
Product: Credit reporting or other personal consumer reports

XXXX inquiries on my credit report that are not tied to any open accounts.
Product: Credit card or prepaid card

I closed my Citibank credit card in XX/XX/XXXX. Yet I began receiving emails about account activity as if the card were open in XX/XX/XXXX, saying there was an unpaid balance and late payment fees. At first I thought the emails were from scammers because they reported that my closed account was in collections. But then the offshore collections department  mentioned a XX/XX/XXXX rental car payment of about {$100.00} that Citibank had made on my behalf, even though my account had been closed for 10 months. 

Afterward, I called Citibank several times to rectify and kept getting bounced around to different departments. At one point a woman insisted that I pay a {$90.00} penalty fee to close the issue. I refused and drove out of state to visit a Citibank branch in person for help. The branch manager assisted me in opening a dispute for the {$100.00} charge. but in the meantime, Citibank sent a negative report to credit bureaus and my score plummeted from the mid-800s to the low 700s. 

I've maintained excellent credit for decades and desire that Citibank provide a corrected update to the credit bureaus to restore my credit to its former standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. On XX/XX/2021, I submitted letter to the three reporting agencies ( Equifax, XXXX, and XXXX  in regards to some inaccurate information that was reporting on my credit report. This is very concerning that I have not heard any results of their investigation regarding the erroneous information showing on my report.
Product: Debt collection

On or about XXXX XX/XX/2020 I moved. I transferred my internet provider account from address " A '' to address " B ''. XXXX XXXX upgraded my modem, which they mailed to me due to COVID. I mailed their old modem back using the instructions given. XXXX alleges the old modem was not received, and their attempts to contact me at my old address were unsuccessful ( unsurprisingly ) ; I had an active XXXX account at my new address during the 120 days they attempted to contact me. I received several email phone and mail correspondences with XXXX during this period ; ergo they obviously knew how to contact me. 

I received a collection action on XXXX XX/XX/2020. I attempted to rectify this situation both with the collection agency and XXXX without success. I find their business tactics deceitful, poor and overall dishonest. 

I request relief. 

Respectfully submitted.
Product: Debt collection

I have never had an account with Jefferson Capital System. I have asked this company to remove this account from my credit report and to no avail had it been removed. Also, the address this company is reporting I have never lived at that address nor have family or any association to the address they're reporting. Please investigate this company for reporting erroneous information on my report.
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 XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/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 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

This company working fraudulently to extort funds from me. Sunrise Credit Service at XXXX XXXX XXXX XXXX, XXXX NY XXXX with phone number XXXX has put a false mark on mr credit report on XX/XX/2020 for an XXXX XXXX bill. When I called XXXX, they said the bill has always been current and is not even in my name, it is in another household members name. 

Also, when I told this to Sunrise Credit Service they didn't care it wasn't in my name or that the bill belonged to me or that it was never late. 

The person I spoke to and his supervisor were seeming to try to fish for more personal data about me. This concerns me that they may have my identity now. This company seems to not legitimate. This company seems to pretend they are a collection agency just to get personal information and they get you to call them by putting false information on your credit report. 

I will also report them to XXXX and the Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates.

XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. Thank you.
Product: Debt collection

Multiple calls throughout the day. XXXX call was made XXXX  times in less than XXXX minutes. Just overall repeated harassment and not over XXXX  days late on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice of a credit inquiry on my Transunion report, dated XX/XX/21, from XXXX XXXX. I didn't apply for anything. I contacted XXXX, they say they have no record of this, but when I contacted Transunion they said there was definitely a " hard '' inquiry with my SSN, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to a credit counseling class for home buying. I ran my credit report and i see unauthorized items that i do not recognize on my report I did not authorize these items on my credit report and i wantthem removed. I'm doing this on my own and did contact the ftc and the local police. Bankruptcy : Discharged CH-XXXX, Bankruptcy chapter? -discharged, Chapter XXXX bankruptcy discharged, XXXX XXXX XXXXXXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX  XXXX XXXX BANK XXXX XXXXXXXX BANK XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX BANK XXXX, XXXX, XXXX XXXX XXXX.