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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Accounts 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX XXXX  Account Number XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX XXXX Account Number XXXX Delete this account From My Credit Report Personal information is incorrect
Product: Payday loan, title loan, personal loan, or advance loan

The company community choice financial bought out check into Cash they are trying to say that I got a new loan for over {$5000.00} this is fraud they did supply me with two different contracts and when is signed when is not they're usually is more information on a title loan I have the paperwork from the title loan that I did get and then I paid in full and there is missing information on this new title loan I have really gone over this with the company they are trying to say that I do owe this and I know I do not I told him it is fraud they don't care I they have my title they will not give it back and I do have proof that I paid this off
Product: Debt collection

I am writing you this statement for you to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Product: Debt collection

The name on my credit report is Credit Collections, the date opened is XX/XX/year> The amount of the debt is {$190.00} There is no other information. The account was reported on XX/XX/year>. There is no other information on my credit report to identify this company. 


I am filing this complaint regarding in inaccurate item on my report that continues to negatively impact my credit. I have no knowledge of this account and have not received any communication or contract from this company. I am requesting an investigation and immediate removal of this item and it is incorrect and does not reflect my true credit history. I have never had a contract or account with this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Old Addresses from My Credit Report To Whom It May Concern, I am writing to formally request the removal of outdated addresses from my consumer credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The following addresses associated with my credit file are no longer valid, as I do not reside there : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA, consumer reporting agencies are required to maintain accurate and up-to-date information. The presence of outdated addresses on my credit report does not reflect my current living situation and poses an unnecessary risk to my personal information security. 

While I understand that past accounts may be linked to these old addresses, this does not override my right to have obsolete and incorrect personal information removed. The continued listing of these addresses is inaccurate, and as such, I formally request that you delete them immediately from my credit file. 

Please provide me with written confirmation once this request has been processed. Should you require any additional information, feel free to contact me at the details provided above. 

If this matter is not resolved within a reasonable timeframe, I am prepared to escalate the issue with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter. 

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

This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update inaccurate accounts. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

Please verify these accounts : XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX : {$760.00} XXXX XXXX Balance : {$1500.00}
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted credit bureaus several times explain that I closed and paid off mortgage XX/XX/22 and paid all balances on my account except car payment and when my morgage company pulls report it does not have updated balances sothat I may acquire a new mortgage.its been paid.

My credit has been pulled 12 times atl east which can also hurt my credit.
Product: Checking or savings account

I have recently opened a checking account with Capital One. Everything went good until I sold my XXXX to a person on XXXX  XXXX. They have sent me the money through XXXX. In 2 hours, I have received a mail saying that my checking account has been restricted due to suspicious activity. I have tried calling the bank and provided them with the information regarding the transactions. They have asked me the number of other party for verification and I have provided them. But later without telling me that theyre closing my account, they have asked for my verification and closed the account and said that theyre ending the banking relationship with me. In the meantime, I have registered XXXX with my other bank account and soon after that the bank has got me restricted from XXXX as well. I have tried reaching the XXXX  support team but they said that they have not been provided the information about why they have restricted and asked me to call the bank. I tried reaching the bank again but in vain. I want the help of CFPB, in order for fairness and accuracy of the reason for closing my checking account as well as restricting me from XXXX. Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Equifax. 
The problem I continue to face with Equifax is the high maintenance and continued effort on my part to ensure accurate reporting reflects on Equifaxs reporting. Equifax is one of three credit reporting agencies that the XXXX People are forced to use and reply on accurate and timely information shared with financial institutions. 
I ran my credit report on XX/XX/2020 as I always do at least once a month since I subscribe to Equifax. I noticed XXXX XXXX XXXX is appearing on my Public Records section of Equifax Credit Report. I did not know who or what business XXXX provides, so I called XXXX to see what this was about. The lady on the phone tell me they are a credit bureau for insurance companies and XXXX provides information to the carriers. why would my carrier call XXXX without calling me first. and I have had life, auto and homeowners insurance with the same company for over 30+ years, and did not apply nor inquiry for any type of insurance. How did this happen. They lady couldnt provide any other relevant information. 
Mostly importantly, why does Equifax post this information on my credit report in the " Public Record '' section of my report. Does this leave a scar on my financial report as being a criminal which I do not have in my entire life. 
Something has to be done with Equifax. I spend many hours trying to keep my credit report in very good standing, and Equifax continues to report falsely reports, and lies about my credit history to keep me from getting financial loans i am a dissatisfied customer of EQUIFAX, and i spend lots of hours trying to dispute many falsely claims on my report.
Product: Debt collection

Patient first on credit report. Asked to verify account. Letter was received on XX/XX/21 but did not verify debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

AD ASTRA RECOVERY SERVICES, a balance of {$1600.00}. No idea what this is and company didn't have any information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/2023, XXXX i called in to dispute these accounts off of my report
Product: Checking or savings account

I was using XXXX in Wells Fargo and it sent the money without the proper verification
Product: Credit card or prepaid card

On XX/XX/2021 someone opened a fraudulent store credit card at the XXXX XXXX  store in XXXX, CA serviced by Comenity Bank, an charged {$8300.00} on it in store goods. 
I found out about it only because I monitor my credit reports and I saw a credit inquiry that came in from Comenity. 
I reported to Comenity Bank immediately as soon as I found out, on XX/XX/XXXX. 
I also filed an identity theft report with the government. 
Comenity Bank promised to investigate. However, they sent me a letter mid XXXX, advising I'm responsible for these charges. Since then, they started charging late fees on the amount. 
I placed another call on XX/XX/XXXX to Comenity fraud protection asking to escalate and reinvestigate the case. 
At the same time, I found multitudes of customers online complaining about their problems due to Comenity Bank 's unsatisfactory safety practices resulting in multiple fraud cases with their store cards.
Product: Credit reporting or other personal consumer reports

I sent in documentation Via Mail showing Im a victim of identity theft on XXXX haven't heard a response back. Ive ask for debt validation letter haven't received that either Its two accounts on my credit report auto loan and credit card
Product: Checking or savings account

Had an 18 month CD with American Express Savings Bank at a prevailing interest rate. 

Received a letter by mail notifying me that the CD had been automatically renewed on XXXX XXXX XXXX with the following terms of 1.0 %, well below market rates. Market rates are presently in the 5 % range for 18 month CDs. The letter was dated XX/XX/XXXX and arrived in my mailbox XX/XX/XXXX. I immediately called American Express and was told the grace period had expired and was unable to withdrawl without penalty. Even after spending the next two weeks ( with three additional phone calls and faxed form ) my money was still in the CD. Finally, with penalty, it was closed.

First, i have never had a CD automatically renewed at such a below market rate. To me that is a scam to enroll people into below market rates Second, to receive notification after the grace period is ridiculous and i should have been able to close the CD without penalty. 

I find American Express Bank to being engaged in deceptive and irresponsible practices. 

I have closed all my accounts and will never do business with them again, and feel i should be reimbursed the penalty of closing an account that was financially abusive.
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 XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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: Vehicle loan or lease

On or about XX/XX/XXXX my XXXX XXXX XXXX was repossessed. Before this date, I in good faith submitted an ACCORD AND SATISFACTION XXXX XXXX XXXXXXXX XXXX XXXX with a redeemable Postal Money as payment. on XXXX different occassions. The XXXX money orders were redeemed. Therefore, I thought the payments were settled. XXXX XXXX later I began receiving threatening phones from a representative XXXX XXXX XXXX informing me that my vehicle would be repossessed. She informed me that the ACCORD and SATISFACTION was an unacceptable for of payment. yet she refused to provide me with proof. After that encounter I began properly filling out my XXXX  statement ( on XXXX occasions ). Again she informed me that that was unacceptable and refused to provide me with proof. Within XXXX XXXX my Honda XXXX  was locked and my vehicle was repossessed. Upon researching my contract and rights in this matter I have found that several of my consumer rights were violated. Also they are inaccuratlely reporting on my credit report. Honda has charged off the debt. A XXXX XXXX is income. Make it make sense. 

15 USC 1601, 15 USC 1667 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ), 15 USC 1667a ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( 8 ) ( 11 ), 15 USC 1667b ( a ) ( b ) ( c ) ,15 USC 1667d ( a ) ( b ) ( c ) 15 USC 1602 all, 12 CFR 1002.7, 12 CFR 1002.4, 12 CFR 1022 ( v ), 18 USC 8, 12 CFR 1016 ( p ) 15 USC 1692 ( g ), 15 USC 1692 ( f ) 31 USC 312, 12 CFR 1005.34, 12 CFR 1005.36 15 USC 160, 15 USC 1666 ( b ), As well as, my 4th amendment/ article 6th " the right to secure in my person... property ... without seizure .... ''
Product: Mortgage

This property was purchased along with a XXXX XXXX XXXX The time for the rehabilitation project lapsed caused by inherited tenants who refused to leave according to contract with seller Covid hit I was finally able to pay tenants to move out plans and permit delay and changes based on zoning not allowing 100 percent residential which according to previous emails between loan XXXX and Escrow property title I found after they knew of XX/XX/2019 XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with guild mortgage and every other agent continue to ignore countless emails and calls Guild mortgage has refused to tell me what will happen to unused l XXXX XXXX Ive been paying on since XX/XX/2019 XXXX
Product: Credit card or prepaid card

American Express has become a global bank with all customer service handled out of our country. The customer service representatives do not have accurate information posted to card holder accounts regarding payments that have been made. False and misleading information has been posted to my closed American Express account to the 3 major credit bureaus AFTER I sent a Bank Check to pay off the entire balance due. Very suspiciously the XXXX XXXX XXXX XXXX number with signature confirmation confirms American Express DID receive a Bank Check for {$3200.00} on XX/XX/XXXX, XXXX BUT American Express customer care claims there is no record of this payment AND still show my account as not paid. There are over XXXX complaints posted on XXXX XXXX regarding American Express NOT posting payments to American citizens AND business owner accounts AND false negative information sent by American Express to 3 major American credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against Transunion for violating my FCRA rights and my rights to privacy. Transunion has refused to do a proper investigation on the accounts in the attached dispute letter. I am asking for your assistance to help me get these accounts removed or corrected on my reports. Thank you for your timely and aggressive assistance.
Product: Debt collection

This debt has been removed from my credit report 2x and the debt agency has placed it back on both times. Iam asking that the debt collection ahency removes the debt for the third time and keep it removed. I have diouted wih no resolution hence why they have been required to remove it permanently.
Product: Debt collection

ON XX/XX/13 I PAID MY TOTAL CHILD SUPPORT OFF THE AMOUNT WAS XXXX I NEVER RECEIVED A CLOSE OUT LETTER BUT I RECEIVED A STATEMENT THAT SAID THAT THE BALANCES WAS CLOSED OUT. ITS SHOWS UP ON EQUIFAX AS NO ACTIVITY BUT A XXXX BALANCE
Product: Credit reporting or other personal consumer reports

The company has put hard inquiries on my credit report.i have not given them permission to run my credit report. They do not have my written consent to pull my credit report. These it I identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit report pulled for a potential mortgage loan. On my Experian credit report, it shows that I am an authorized user on a XXXX XXXX credit card that is open and active. This card was opened XX/XX/2012. At the time I was a minor, XXXX XXXX XXXX and a ward of the State of California, in the foster care system. I have never authorized my information to be used with XXXX credit cards. The credit card currently has a {$9900.00} balance which is severely damaging my credit and ability to buy a home. I repeatedly called XXXX to resolve the issue, however they are unwilling to help me without a full account number, or full name and social security number of the primary account number. I have no access to that information since my name was used fraudulently on this account. XXXX refused to help me or remove this fraud even though it shows on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under XXXX XXXX XXXX c ( a ), you are required to block and remove all fraudulent information from my credit report within XXXX business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( XXXX XXXX XXXX ) : ACCOUNTS BEING CHALLENGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.
Product: Credit card or prepaid card

While on a cruise in XXXX XXXX, which embarked from XXXX, I purchased a 1 carat marquis diamond  and 18K gold mans ring. The XXXX had to be mounted and I was told to come back in 2 hours. Upon returning to the XXXX XXXX XXXX I was told to wait another hour. I almost missed my ship. Originally the seller wanted XXXX dollars and we bartered to XXXX cash and XXXX on my bank of america credit card. When I asked for a receipt I was told an email would be safer and all info would be on that email. The jeweler gave me a card with his email and phone #. I had no way to check my email until I arrived home 3 days later and there was no email so no receipt etc. I took the ring to a prominent jeweler here in florida and after inspection was told the diamond was fake and the 18K white gold was not gold. I immediately called the credit card and explained to them the above story. They said they would look into it. The claim was denied due to no receipt but I was told if I got an assessment of the ring perhaps that would help. After spending XXXX dollars for a gemologist report and sending the docs I was denied again due to no receipt. Then I was told I needed a gemologist appraisal of exzactly what I bought for the XXXX dollars. I then sent the appraisal, which cost XXXX dollars and the docs to the credit card company and was denied again due to no receipt. I have repeatedly told the credit card co. that the receipt was to be emailed and was never sent and when I tried to email the jeweler there was no such email. When I called the phone # on the card the jeweler gave me, he said he would send the email and he never did. I sent copies of the jewelers card with email and phone # to the credit card co. By the way the ring was sterling silver and the diamond was a zirconia and was assessed by the gemologist to have a value of XXXX dollars. This was all furnished to the credit card co. Ring was purchased on or about XX/XX/2022.