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

I have sent over 5 letters to Equifax, XXXX, and XXXX - according to my understanding of the FCRA. Credit reporting agencies can verify bankruptcies through 3rd parties ; yet, they seem to be allowed to get away with this on a regular basis. Not to mention the inaccuracies associated with bankruptcy reporting down to the name, courthouse name, balance, liabilities, and even docket numbers. All three of my credit reports show inconsistent information and inaccurate information. I contacted my local court and they told me - they do not verify bankruptcies with third parties. With that being said - this is a violation of the FCRA. The CRA must verify all information directly from the furnisher of that information and not a third-party. The courthouse has stated to me in writing they did not and was not the furnisher of this information to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2017- XXXX. XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report that are inaccurate, invalid, and are in violation of my consumer rights. I have worked to address this issue via disputes with the creditor directly, Transunion, XXXX, XXXX, and the likes. Unfortunately, this creditor continues to report inaccurate information and the consumer reporting agencies are allowing this inaccurate information to be shared with others. For example, the reports are showing a CLOSED account with a CURRENT PAID status of OK. 

In accordance with the Fair Credit Reporting Act XXXX Account # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions After, several attempts to resolve this issue to no avail I am filing a formal complaint. These organizations should be held accountable for not being in accordance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent certified letters to each of the 3 major credit reporting agencies ( XXXX XXXXXXXX XXXX # XXXX ) ; ( XXXX XXXX # XXXX ) ; and ( Equifax XXXX # XXXX ), asking for verification of 100 % accurate reporting of my credit report. I received verified information from all 3 bureaus. How is this information verified as accurate when there are still variances from each bureaus report. Variances include : number of late payments, addresses that I have never lived, account opened dates, employers that I have never worked for, and even a spouse -- when I have never been married. 

XXXX XXXX XXXX : variance in the dates account was opened on XXXX and XXXX  reports. Verified as inaccurate by Equifax, and deleted. 

XXXX : variance in the number of late payments and original balance on all reports. 

XXXX : variance in the number of late payments and original balance on all reports. 

XXXX XXXX : variance in the number of late payments and original balance on all reports. This also surpasses the allotted time on my credit report, as it was placed on XX/XX/XXXX. 

XXXX XXXXXXXX : variance in the number of late payments and original balance on all reports. 

XXXX XXXX : variance in the number of late payments and original balance on all reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But they responded XX/XX/2022 asking for more information about my dispute. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the XXXX generally and to my account specifically throughout the period I have been a customer. If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1666B : " A creditor may not treat a payment on a credit card account under an OPEN end consumer credit plan as a late for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information by section 1637 ( b ) of this title is mailed or delivered to the consumer 21 days before the payment due date. 

XXXX XXXX  XXXX with Account Number # XXXX opened on XX/XX/XXXX XXXX XXXX Account # XXXX opened on XX/XX/XXXX XXXX XXXX  XXXX Credit Card Account XXXX XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX. 

XXXX  XXXX Account # XXXX opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021
Product: Debt collection

I received a alert through my credit monitoring of a new derogatory account. The account is with Convergent outsourcing for XXXX. I have never in my life had service with XXXX. I filed a Identity theft report with the FTC and on XX/XX/2022 I sent documentation to Convergent Outsourcing as well as XXXX and XXXX with certified mail. I have yet to receive any response from the collection company as well as from XXXX. XXXX has removed the fraudulent account, XXXX has not. This account is not mine.
Product: Student loan

Subject : Complaint Regarding Private Student Loan Cancellation Process and Unhelpful Navient Representative Date of Incident : XX/XX/year> Amount Involved : [ Specify the amount of private student loan ( XXXX ) if known ] I am writing to file a complaint regarding my recent interaction with Navient concerning the cancellation of my private student loans due to school misconduct at XXXX XXXX XXXX, which I attended. 

On XX/XX/year>, I contacted Navient to inquire about the process for canceling my private student loans, as I am aware that borrowers who attended XXXX XXXX and experienced school misconduct are encouraged to submit applications for loan cancellation. However, when I spoke with a representative named XXXX, I encountered several issues : Refusal to Provide Information : XXXX refused to give me any information regarding my private loan, including details on the cancellation process or my eligibility for relief. This was despite my clear indication that I was calling specifically to address this matter. 

Denial of Application Request : I asked XXXX to send me the application for the cancellation of my private student loans, as I believe I am eligible due to the misconduct at XXXX XXXX. XXXX refused to do so and did not provide any explanation for this refusal. 

Unhelpful and XXXX XXXX : XXXX advised me to contact a law office or whoever else might hold my private loans, suggesting that Navient was not the holder of these loans. This is incorrect because Navient is indeed the holder of my private loans, and I was seeking their assistance directly. 

Lack of XXXX : The conversation left me without any resolution, further information, or steps to proceed with my request. This lack of assistance and inaccurate information has caused significant frustration and concern about my ability to address the loan cancellation process properly. 

Given that Navient is the holder of my private student loans, I expected the representative to provide clear guidance and support in navigating this situation, particularly given the complexities surrounding XXXX XXXX 's closure and the associated relief programs for the misconduct of XXXX. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Date opened : XX/XX/XXXX Original creditor : XXXX Type : Collection Balance {$350.00} Comments : Account information desputed b consumer ( meets requirement of the fair Credit Repoting act ) The item was updated from our processing of your despute in XX/XX/XXXX. 
This derogatory mark is still on my credit report with Experian. I did a fraud claim and the derogatory mark was removed from the other two credit bureaus.Now its with XXXX and Experian say it's not going to be removed until XXXX. I have sent certified legal documents for it to be removed but it hasent't been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not understanding why an account that is aged almost 10 years is still reporting on my XXXX  and Experian credit report. All collections and chargeoffs stay on credit reports 7 years only, this account clearly states that it was opened on XXXX 2011 with two different incorrect dates. The dates last active is incorrect and not recent to my last dispute request. The account has been paid and still reporting and it shouldn ; ; t be due to age and inaccuracies. XXXX  and Experian was not honest about their investgation on the account memntioned above : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times proof of how much the vehicle was sold for during auction. I have not received a response or call backs. Im requesting this account to be removed from my XXXX  and XXXX  as the amount they are requesting is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX # XXXX XXXX XXXX, TX XXXX XX/XX/2012 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX DP OF EDUC XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$940.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

My Wells Fargo credit card was hacked so a new card was issued. The old card had an end of cycle balance of {$570.00} ( XXXX XXXX ). I paid my account balance in full, INCLUDING the previous balance of {$570.00} with a payment to Well Fargo of {$2400.00} on XXXX XXXX. In spite of the previous balance being paid in full, the {$570.00} previous balance was transferred to my replacement card on XXXX XXXX. 
I spoke to XXXX different people at Wells Fargo by phone with no resolution. They forwarded it to their " Escalations Representative '' who claims to have called my wife this morning, but we have no record of any such phone call. He closed the case XXXX hours later with no further attempt to contact me. They had my phone number available as well as my wife 's number. 
I am quite frustrated at Wells Fargo 's failure to resolve such a simple issue, their attempt to double bill me, and their failure to contact me before closing the case.
Product: Credit card

Last time that I can successfully transfer my AMEX reward points to XXXX XXXX was in XXXX, XXXX XXXX, XXXX XXXX, as shown in " AMEX XXXX XXXX Redemption XXXX XXXX ''. 

I tried to transfer my AMEX reward points, XXXX XXXX, to XXXX XXXX again on XXXX, XXXX XXXX in which it was failed and refunded back to my AMEX account. At first, I thought it was a temporary problem in which it can be resolved in days to come. So, I tried to repeat my transfer over and over again in XX/XX/XXXX as shown in " AMEX XXXX XXXX Redemption XXXX XXXX '', but all transfers were failed and refunded back to my AMEX account. 

At that point, I knew for sure at there are something wrong between my AMEX reward program and XXXX XXXX, so I called AMEX for more than XXXX times and talk to more than 20s representatives in XXXX till XX/XX/XXXX. They all opened the case number but never resolved my problem and there is no single email for communication. 

After a large number of calls, on XXXX, XXXX XXXX, AMEX representative, named XXXX, claimed that she was able to find a solution but she ignored my request after XXXX call with her. Please find my follow up emails with her on " XXXX with XXXX - AMEX Rep.pdf ''. 

After that, I called AMEX for more than 10 times and asked to talk with supervisor but no proper responses until XXXX, XXXX XXXX AMEX representative, named XXXX, talked to me and promised to follow up the case with email communication. 

XXXX asked me to contact XXXX XXXX, so I followed her advice and talked to XXXX XXXX. XXXX XXXX representative said to me that the problem is from AMEX and the easiest way to solve this issue is let AMEX internal team to contact XXXX XXXX then cooperate together to solve it, so I let XXXX know on the phone about that. She did answer my email that she will escalate it to the AMEX XXXX team to cooperate with XXXX XXXX XXXX team as shown in " Talk with XXXX - AMEX XXXX '' to " Talk with XXXX - AMEX XXXX '' After more than a month, on XXXX, XXXX XXXX, XXXX claimed that my problem was resolved and she was able to transfer my AMEX reward points to XXXX XXXX as shown in " AMEX XXXX XXXX Redemption XXXX XXXX '' '', but it was refunded instead as shown in " AMEX XXXX XXXX Redemption XXXX XXXX ''. 

XXXX sent me email regularly but the content is the same, no progress at all. All email conversation between me and XXXX can be found on " Talk with XXXX - AMEX XXXX '' to " Talk with XXXX - AMEX XXXX ''. 

All in all, I tried to transfer my AMEX reward points to XXXX XXXX over and over again since XXXX, XXXX XXXX until now XXXX, XXXX XXXX for 8 full months, but none of them works out as shown in " AMEX XXXX XXXX Redemption XXXX XXXX '' to " AMEX XXXX XXXX Redemption XXXX XXXX ''. Try to call more than XXXX times to AMEX with no solution. 

In summary, AMEX do falsification claim about their reward program that the AMEX reward points can be transferred to XXXX XXXX. This claim did not apply to me and they did not try to solve this problem occurred to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would  not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 

STUDENT LOAN CREDITORS : XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : US DEP ED ACCOUNT NUMBER : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Unauthorized XXXX XXXX XXXX  account reporting. 

Failure to provide WRITTEN CONSUMER AUTHORIZATION to furnish consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed reference item # XXXX and in response, Experian verified the item as accurate, stating that they have verified the information with the court. 
I contact the court, and their response is enclosed. It is clear they do not report to Experian or any credit bureau for that matter, therefore, their initial response verifying the court was either an error or a lie Either way, the reporting requirements do not comply with FCRA SS 611 ( 15 USC ss 1681i ), and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

This Account have violated my rights According to FCRA ; XXXX XXXX XXXX  # XXXX According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report. 
15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( XX/XX/ ). 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how this account is reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status.

Everything reported here does not meet the FRCA.
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by XXXX certified mail. Any other form of correspondence will be rejected or refused. 

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

i have no authorized credit inquiry from 7 banks and XXXX i don't know what happened here attached have 2 images from XXXX 7 XXXX   report
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized account on my credit report during a recent review. Kindly remove this fraudulent entry, as it is obstructing my ability to obtain credit. This account is unfamiliar to me. 

Account name : XXXX Account number : XXXX Date opened : XX/XX/year> Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ITEMS THAT ARE ON MY CREDIT REPORT ( XXXX ) NEED TO BE REMOVED DUE TO STATUE OF LIMITATIONS IN THE STATE OF PA IS XXXX YEARS AND THESE ITEM ( XXXX ) HAVE BEEN ON MY CREDIT REPORT AS OF XXXX OF XXXX AND NEEDS TO REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied fo r a Chase  XXXX  Card and was denied for " Delinquency or other derogatory relationship with our bank ''. When I called in to find out why, I was told I had a C harge off from  2010 on a Chase Slate for {$4000 .00} something attached to my account.   I never had any chase account i n 2010 let  alone a charge off.   I check my   XXXX   report for this and there was nothing listed so is this a banking side issue or a credit report issue?   When the rep looked it up he said it wasnt mine. I said ok, so how do I remove this from my account. He transfered me to recovery but it was already to late   in the day and no one from that department was working. So I called this morning and the rep said to wait 7-10 business days to call back, no mention of fixing the problem or anything.
Because of this issue I get auto denied for any credit card I apply for.
Please help me remove this from my account Letter refer  ence number #  XXXX
Product: Vehicle loan or lease

In the year XXXX and XXXX we tried to refinance and they denied it every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Harris bank account been payment make in full On credit bureaus XXXX XXXX  XXXX show balance been pay in full and show lates payment was never late need removed from all three credit bureaus