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

I have inaccurate information on my credit report that Experian, XXXX, and XXXX are continuing to report even after individual disputes have been submitted to each company. I had an exceptional credit score of XXXX before this fraudulent amount showed up on my credit report in XX/XX/XXXX. I have never once missed a rent payment and always pay rent on the first of every month because I have all of my bills set on automatic payments. I also have proof in the form of my XXXX checking account payment confirmations of all of my rent payments during the last year of my lease at an apartment building I lived in for four years ( XX/XX/XXXX {$630.00} and XX/XX/XXXX {$420.00} were paid via cashiers check, as required by property management company, so I dont have those email payment confirmations. ) I contacted my prior apartment complex several times and they weren't able to find any delinquencies, and I sent certified letters to the collection agency from the information in my credit report with no response. For anyone renting in XXXXXXXX XXXX, beware of these large apartment management companies -- sending me to collections for a debt that doesn't exist six months after moving to a new state is predatory and appalling. See attached documents showing recurring payments for this lease term : XX/XX/XXXX to XX/XX/XXXX. Certified mail letter sent to collections company on XX/XX/XXXX but no response from company, receipts also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern today XX/XX/2021 i am looking at my credit report over the past 2 months and there is a card that says i am late and i have no knowledge of this card. This was not opened not by me. This is fraud. XXXX/XXXX  i am not responsible for any of this. I have no knowledge of this account. I never signed anything for this card or applied. I do not owe them this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian on XX/XX/2021, to dispute an account that should not be on my credit report as it is not a bill/account that is mine. This bill is from a third-party debt collector that goes by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is representing XXXX XXXX as the original creditor for a balance of {$4200.00}. I disputed this transaction on my credit report through Experian and I explained that I wanted the account removed immediately based on law 15 USC 1692b ( 2 ). I looked at my Experian account on XX/XX/2021, and see that the bill has an updated status that states the collection account was paid and there is now a {$0.00} balance. This information is incorrect as I have not paid any money as I do not owe any money as this account is not mine. Although the balance is at {$0.00}, it has damaged my credit report which is also my reputation based on law 15 USC 1692d ( 1 ) as my credit score has now dropped 11 points due to the inaccurate information that is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX was removed from my credit report an my credit drop XXXX point instead of moving up XXXX to false information was reported cause it to be removed from my credit instead TransUnion keep dropping my credit stop me from applying for credit loans for a mortgage loans I requested my XXXX should be added to my credit score stop it from dropin stop dropin my credit score for them false information
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon I called XXXX to dispute a few items that are incorrect are my credit report and just received my updated one and the items are still on there. If you could please resolve this I would greatly appreciate it as I am trying to secure an apartment and I need to have a clean credit report. It is very important that the items are updated properly on my credit report. 

The first problem is my current employer does not show on my credit report. My current employer is XXXX. I started working there from XX/XX/2021 to the present. My current title is XXXX at XXXX. Please update accordingly. Also, please note that the previous employers that are on my report are correct. The only issue is that the current one is not updated. Would you please be sure that all three credit reports reflect this. 

The second item in question is XXXX XXXX XXXX in the amount of {$1000.00}. This HAS BEEN PAID IN FULL. Would you please update all three reports to be sure this is reflected that it has been paid in full. 

The third item in question is XXXX XXXX XXXX CARE OF XXXX XXXX XXXX in the amount of {$330.00}. Please be aware that this has BEEN PAID IN FULL. Would you please be sure all three credit reports reflect this? XXXX, Transunion and XXXX. Thank you! 

The fourth item in question is XXXX XXXX XXXX in the amount of {$480.00}. Please be advised that THIS HAS BEEN PAID IN FULL. Would you please be sure to update all three credit reports to reflect this? Transunion, XXXX and XXXX.
Product: Debt collection

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 permitted by FEDERAL and STATE LAW to file this dispute.I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX8 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made.I am alleging that a person or company-without my authorization-used my personal identifying information to apply for goods, services or money ; and, was successful in creating some account. All is being investigated by the FTC.
Product: Debt collection

From XX/XX/2017 until XX/XX/2017, I have received several texts and phone calls on my mobile cell phone from Midwest Title Loans ( XXXX area, www.midwesttitleloans.net ), asking to speak with a person named XXXX who was apparently delinquent on a loan. I called back at that number, informing the agent that they had a wrong number, I do not know this XXXX person. Midwest Title Loans initially acknowledged my request, and said they would update their files. Despite those assurances, the lending company continued to call and send texts on my mobile phone. Since then, I have informed this company no less than 5 times ( either via phone or text ) that they had the wrong number and that they had to update their file information accordingly. On today XX/XX/2017, I received another collection text and called back ( again ) the company : I informed them that they have to update their information, failing which I will file a complaint. The lady on the phone explained to me that there is nothing they can do to stop the texts because those are " generated by a machine '' (!! ). I asked if I could talk to their legal department to get that straightened out. She said that their contact information is on their website ( which I could n't find on the website ). Therefore, I have no choice but to file this complaint to ensure that Midwest Title Loans takes its obligations under the FDCPA seriously, since I am unable to get any traction with Midwest Title Loans directly.
Product: Credit reporting

I disputed an account on my Experian and XXXX credit reports that I believe is invalid or possibly the result of prior identity theft. 

The account was deleted, but then was re-added by another debt collection company who modified the date to re-age the debt so that it would appear as a recent debt causing more damage to my credit score and prolong the duration that it would appear on my credit report. 

The invalid account is listed as {$110.00} owed to XXXX XXXX XXXX XXXX, account # XXXX, opened on XXXX/XXXX/2015. 

I disputed this account a XXXX time with the assistance of the Consumer Financial Protection Bureau and the Colorado Attorney General 's Office. The debt collector stated that they believed the debt to be valid, but would have to deleted from my credit report while the investigation is ongoing. 

As of today, this invalid information is still on my credit report. I have attached the letter from the debt collector stating that they have requested the credit bureau to delete this account. 

I am asking that the credit bureau act promptly on this delete request.
Product: Checking or savings account

I made a deposit on XX/XX/2023 I received a letter that the decision to close my account.And to make sure I understood. I was confused. So I called XX/XX/XXXX. And was asked if I deposited my XXXX  check I said no. I usually deposit in my other account premium bank. I always sign my check when I do it on line than out void. I was told by the first letter my funds will be returned it was in my XXXX they took money out of that check for maintenance I was told they closed my account made deposit on the 6 letter on the 8 so my only source of income separating from my husband I have no money no food. I couldn't even go on line. I went in talked face to face with banker week before XXXX  Tuesday but he said they sent out my check and expect by latest the XXXX XXXX Be we came for another letter they aren't returning it. They aren't supposed to keep my money XXXX. And was to! d twice by letter and person. Account XXXX. XXXX is XXXX. It was XXXX you take money that you freeze. But I can't even get food gas pay my bills this is extremely rude uncalled for two letters they sent that they were sending I don't have it they blocked my card froze my account but closed it first the other stuff bank of America did came after Thank you Sincerely XXXX XXXX. 
I hope this can resolve and I can buy food my animals are hungry.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal LXXXX account opened at XXXX, XX/XX/year> account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is bank fraud a scam with first state bank I have discovered at XXXX and now I understand why since I started with XXXX XXXX XXXX in XXXX the tellers have always ask me so I have XXXX accounts and why XXXX XXXX XXXX XXXX XXXX XXXX representative told me she sent an claim packet to XXXX XXXX XXXX  and I were rejected that packet by your general counsel and she laughed it off. My over 20 years of missing XXXX benefits are there clearly a fraudulent underpayment that on XX/XX/XXXX after my XXXX XXXX XXXX XXXX XXXX told me a large sum of money is coming into my account. On XX/XX/XXXX I stop receiving my XXXX checks on the XXXX of the month and only the third and tonight as I checked me account XXXX and stated it has XXXX in my account but that XXXX came in on XX/XX/XXXX this is a bank fraud scam. Where is the XXXX at?
Product: Credit reporting or other personal consumer reports

Hey guys, you are reporting inaccurate and incomplete credit information. I am distressed and angry that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. 
I was reading today that the Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I purchased a watch from an online merchant, XXXX XXXX company and never received the watch. My bank of america Visa is now refusing to credit me back the amount. This is merchandise not received. I asked BofA to send me their policy and it states that I have 120 days from promised delivery date to dispute this. I purposely used my BofA Visa to purchase this item for my protection. I have called BofA several times, produced emails showing the delivery date and they are not refunding me the amount.
Product: Debt collection

Collection Bureau of America has damaged me. They've been NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

This was a medical deductible. I never got any notice. Then, I was told by CBA that the item would be deleted if I paid. I did and the account is still being reported. 
Account information below : Account number : XXXX Date Opened : XX/XX/2017 Original balance : {$100.00} Original creditor : XXXX XXXX I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Failing to honor the deletion of the account after payment was made in full. 
Account has been re-aged. Negligence. 
Unfair business practices. 

have suffered several financial and emotional damages due to this account. I demand to get the trade line of this account removed from my records. I give you a deadline of 30 days to delete the account from my reports. 

Thank you.
Product: Debt collection

I XXXX XXXX with my mother s XXXX FAMILY DISCOUNT, MET WITH XXXX XXXX AT XXXX XXXX I SIGNED PAPERS BY MYSELF, THEN WE XXXX XXXX PUT PLATES ON THE CAR THEN DROVE OFF NOT KNOWING HOW MUCH A MONTH THIS CAR MONTHLY PAYMENTS WOULD BE, XXXX XXXX STZTED HE COULD NOT KNOW THE BANK WOULD TELL ME SOON AND DID NOT TELL ME A CONDITION CONTRACT MEANING I COULD NOT MAKE XXXX CAR NOTE WEEKLY PAYMENTS, CAR LATER STOLEN AND WHEN I CALLED TO FIND OUT THEY WOULD NOT TELL ME WHERE THE CAR WAS AND WOULD NOT LET ME PAY FOR ITS RETURN, REASONS WAS ITS NOT MY CAR, ITS XXXX XXXX CAR AND ONLY HER THEY WANT TO TALK TO AND NOW THEY CHASE HAS BEEN ON MY CREDIT REPORT 7 YRS AND I MADE {$100.00} PAYMENT PLAN TO SHOW IM COMMUNICATION WITH THEM EVEN THOUGH THE TREATED ME HORRIBLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit Bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I waited 30 days and I haven't received nothing. It has been over 30 days.

And one more thing, they didn't even record the current status of the disputed information.

Experian, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but Experian is not doing its job according to the law.
Product: Debt collection

I contacted NAVY FEDERAL CREDIT UNION about the compromising of my ssn of which accounts were fraudulently opened in my name. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX in which I have provided the company along with my dispute. FCRA 605B ( 15 U.S.C. & 1681 c-2 ) states that these accounts must be removed within 4 Business Days of receipt. The company has yet to remove and block these items which are fraud and which are violating my rights.ALSO, I also want to add that this is an ongoing issue as the referenced accounts were deleted and blocked and then re added by changing information on the alleged debt. I would also like to add that the company is changing information on the debts such as amounts and account numbers just to add the debt back which is in violation of my consumer rights. The following accounts are as follows 1.NAVY FEDERAL CU {$16000.00} XX/XX/XXXX original account number reported as XXXX now reporting as {$16000.00} XXXX 4.NAVY FEDERAL CU {$1700.00} XXXX original account number reported as XXXX. Now reporting as closed no payment due and account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. 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 and 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. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 feel there is a possibility these items belong to me I will require all documentation that bears my signature. 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 reporting, credit repair services, or other personal consumer reports

We have reached out to remove the incorrect/fraudulent accounts. No action taken.
Product: Debt collection

I do not know who this company is. they are fraudulently reporting a medical collection on my credit report, and I never gave them permissible purpose to report any of my information. Collection Bureau of Hudson Valley Inc are in violation of USC 1681b and I want them to be held accountable for their wrongful actions taken against me. I already sent them a letter in writing to requesting to remove it and they blatantly ignoreded.
Product: Credit card or prepaid card

1 ) Citi charged me a {$25.00} late fee on XX/XX/XXXX and a {$29.00} late fee on XX/XX/XXXX. On XX/XX/XXXX I mailed out a letter to Citi formally requesting them to mail me my billing statements and to stop paperless billing. This letter is attached to this complaint. Citi failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$54.00} for the late fees AND credit me for any interest accrued due to those late fees. If Citi disagrees with this, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with USPS,  XXXX, XXXX, or a certified mail receipt. 
____________________________________________________________________________________________________________ 2 ) Citi drastically reduced my credit limit from {$15000.00} to {$300.00} because of this. This negatively affected my credit scores with the 3 major credit bureaus. The available credit is one of the factors used when determining credit scores. I respectfully request that Citi reinstate my higher credit limit or at the very least increase it from the credit limit I am currently at.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Ally Fincl account and XXXX XXXX XXXXXXXX account 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 this account under an open end consumer plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8000.00}
Product: Credit reporting or other personal consumer reports

Synchrony bank illegally reinserted accounts on my credit report that should not be reporting as begative. The 4 accounts have been iincluded on my credit report today XX/XX/24. 
All 4 accounts are appearing with no lderogatory information yet they appear under the derogatory column. These accounts should appear as older accounts under the column accounts that are positive.

Additionally, all ( 3 ) of these accounts are in violation of my privacy under 15 USC Section 604 ( a ) ( 2 ) and 15 USC 1681 ( a ) ( 2 ) which states a credit reporting agency can not furnisher can furnish an account without my written instructions. 
All the accounts placed on my report today with inaccurate information showing these good accounts are not negative should be deleted immediately or placed back with my good acvounts. 

1 ) SYNCB/ Gap XXXX XXXX XXXX XXXX XXXX Lowes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX