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

My informaon was sold and bought Illegally because I was a vicm of the Equifax data breach. I want these items Deleted from my credit reports XXXX immediately. I am aaching proof that Equifax has admied that I Was in fact a vicm of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports.
Product: Credit card

With my US Bank rewards card, one of the benefits clearly stated on the rewards page of the app is " XXXX XXXX  ''. It states : " Pay for 11 consecutive months of any XXXX XXXX like XXXX, XXXX, XXXX, ( ect. ) and recieve a {$100.00} statement credit on the XXXX month '' On XX/XX/scrub> 2024, I enrolled with a XXXX plan. I set up automatic payments every month, but the tracker in the app wouldn't show progress. In XX/XX/scrub> 2024 I called US Bank 's reward center and they said XXXX classifies themselves as another entity. 

I proceeded to share my screen and show them that the US Bank app clearly shows XXXX as one of the qualifying services. US Bank 's words, not mine, not XXXX 's. 

I was escalated to a manager who asked me to take a screenshot and print it out, attach copies of my last 12 statements, and mail it to their rewards center. 
I told him no because THEY are the rewards center and they have all the information in the computer infront of them right now. Plus, 1. due to the app security features, I can not take screenshots.

2. I don't have a printer 3. All the statements are available digitally in the app and my account that THEY have access to in front of them.

His reply was something along the lines of : " I'll get this information to the rewards team so they can remove XXXX as one of the advertised options to benefit from this promotion '' I still want to be compensated for my participation in this rewards program since I did everything I was supposed to on my end. ( Now that I've spent months extra fighting with them, I want more for inconvenience, and pain & suffering too! ) So I video taped the information on the app, gathered photos of all my previous statements. I have also continued paying my XXXX bill so there will be no question of how long I paid vs the rewards requirements.
Product: Credit reporting or other personal consumer reports

Experian, Equifax and TransUnion has failed to fulfill its legal obligation under the FCRA Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate accounts unresolved. The CFPB has recently filed a lawsuit and fined the bureaus for not properly investigating disputes. I am requesting immediate corrective action to remove the disputed accounts, as Experian, Equifax and TransUnion violated federal law and my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name and address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>XXXX  To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 
This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2. Update my credit profile to reflect the correct information as listed above.

3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I spoke with Peaks on the phone and they stated they didn't need to mail me any documentation. they informed me that all they are required to do by law is provide the credit bureau the default. I wasn't provided any information regarding the default until I spoke with XXXX   and they saw this information online. It is only shown on my XXXX but not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the FAIR credit REPORTING act everything has to be XXXX XXXX accurate on my credit report. 

This account " XXXX XXXX XXXX was closed threw consent between the creditor and the consumer. This account is no longer associated with " XXXX XXXX XXXX '' credit profile. This is grounds for removal they also violated my rights under 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 consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts has reported on my credit file due to identity theft and absolutely no knowledge of mines therefore I'm asking them to be removed immediately in concert with the laws of the FCRA. I'm demanding these accounts be blocked, XXXX XXXX XXXX {$78.00}, XXXX XXXX {$720.00}, XXXX XXXX XXXX {$300.00}, and XXXX XXXX XXXX {$91.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 

These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account number XXXX, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditor Enhanced Recovery collection ( ERC ) to pay off the balance for the amount of XXXX. We had an agreement such that the account would be removed from my credit report after paying off the balance in full. This payment was made in 2020. I just thoroughly reviewed my credit report from all three credit bureaus only to find that not only was it not removed from my report but also that it contains conflicting information on my payment status. I paid this in full but on my XXXX report, the account status states that it was paid in full for less than full balance. XXXX it show the account was paid off. All in all, I paid the account off and the agreement wasn't followed to remove account from my credit report from ALL credit reporting agencies after I agreed to pay the account off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans are appearing on my consumer reports and I have not validated any of these debts. I have sent it letters to the consumer reporting agencies and am now waiting on a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not reporting the {$9800.00} credit line I have with my new PayPal Extras Mastercard ( which has gotten two replacements ) even though they say that the balance decreased. They're also not showing the {$10000.00} credit line I have with another XXXX 's card besided the one isted. Both of these cards had fraudulent activity and both have simply been replaced with new cards and account numbers. As a result my total available credit is nearly {$20000.00} less on the XXXX report than what it really is ( {$37000.00} versus {$57000.00} ) and my average credit age is about 7 months less on the report than what it really is ( 7 years 5 months versus 8 years ), as the PayPal Extras Mastercard account is nearly XXXX XXXX XXXX, and the XXXX 's account about XXXX XXXX XXXX. This is having an unfair adverse effect on my credit score, when I simply just had the card numbers replaced due to fraud.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damagesXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A CHARGE OFF ON YOUR CREDIT REPORT MEANS THE DEBT IS CONSIDERED INCOME ACCORDING TO THE IRS. FCRA STATES IT IS UNLAWFUL TO REPORT INCOME ONTO YOUR CREDIT REPORT. 
Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Times XX/XX/90 days late XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the accuracy of this account ( XXXX  XXXX - acct # XXXX XXXX as I have found numerous inconsistencies on my credit report. This account is listed as a collection/charge off but yet there is still a balance owed and a past due amount listed as this would be considered a violation since a collection/charge off is late by default. how is this account being verified and reported as accurate when the creditor has already written this account off as a loss of debt? There is no difference in the information published by Experian before my dispute and/or after my dispute was completed. XXXX  is also reporting a date of last verified on this account and yet still reporting a balanced owed and a past due balance. How is this information inaccurate but yet verified? This is incorrect and a violation of my rights under the Fair Credit Reporting Act. 

I will remind your company of XXXX XXXX XXXX  XXXX, 920 F. Supp. 80 ( e.D. Pa. 1996 XXXX. Your company could be held liable for knowingly and willfully reporting inaccurate information after being notified.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an items listed on my credit report. I have thoroughly reviewed my records, and I firmly believe these items have been inaccurately reported, which is adversely affecting my credit standing. Despite my previous letters I sent, these fraudulent items still exist in my report. This discrepancy raises concerns about the accuracy and validity of these reported items. Here are the items I would like to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The collections account in question was opened on XX/XX/XXXX with an original balance of {$290.00}. For over four years I have attempted to dispute or make contact with the company. I never received a notice of rights to dispute as shown in the attached document of the first notice I received. I have spoken with agents of this company asking for further verification of the debt in question. I have never heard back from Grant & Weber with additional verification of the original debt owed. 

In XXXX I was on XXXX in California and my cost of medical care was {$0.00}. I was never contacted by XXXX XXXX XXXX about this debt. I am unaware of what medical care or procedure was performed by this group. I was informed via phone call that Grant & Weber would attempt to verify records that I received, and was billed for, medical care through XXXX XXXX XXXX and there has been no communication back. This collection continues to negatively affect my XXXX XXXX and credibility as a borrower. The most recent update to my account with them was on XX/XX/XXXX with a balance of {$450.00}. 

I refuse to pay this debt until it is proven and verified by XXXX XXXX XXXX. Otherwise, I continue to view this as a fraudulent charge as there is no proof of original bill.
Product: Credit card or prepaid card

Well what happened is during a hardship that all my creditors were notified of the former job loss on XX/XX/XXXX of XXXX and then again after that job loss that was due directly to positive XXXX test that my son and I hand and also medical concerns and while trying to work with my mortgage company to modify my home loan with the energy efficient refinance plan as I have requested for permission back in XXXX of this year from my home loan service provider to rent out my property instead of selling my home as we are moving and that rental income is needed due to this hardship I had went to Home Depot to get some paint and things to get my home ready to move into for a renter and upon purchase was told that my card did not work so I called the credit card company as I have a credit card with Home Depot which I have only used and then immediately repaid each and every time and have never left a balance on in the entire time that Ive had it and I was told by the company that they took it upon themselves to cancel my account.
Product: Credit card or prepaid card

In XX/XX/2022, as I was filling out a PayPal Credit application, PayPal claims I opted into a security protection program that I have no recollection of enrolling. I feel the option must have either been pre-selected or otherwise not abundantly clear. My husband is helping me with this as I speak limited English. But I absolutely did not intentionally enroll in this program. I only recently became aware ( yesterday ) that I was being charged for it, and when I realize what was happening, I immediately canceled online. I contacted PayPal Credit, who referred me to Synchrony Bank, which apparently administers the program. I explained what had happened, and asked for a refund of the previous months ' charges, and they refused saying the cancelation came more than 90 days after enrollment. I tried to explain that I have no recollection of enrolling, but they say I did. Had I known they were charging me within the window, I would have canceled. Even though I didn't, since it's mid XXXX, and they say I enrolled in XXXX, I can't be that far out of the XXXX window. I feel they are taking advantage of me, and are not being reasonable given the circumstances. I am in enough debt already, and this represents a sizable amount of money. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical debt according to legal definition is debt that arose from the receipt of XXXX XXXX products or devices. 
After facing a life-threatening illness I was forced to take on medical debt from the receipt of XXXX XXXX and therefore it qualifies as medical debt.

Medical debt is not allowed to be reported until its more than a year past due however XXXX continues to report medical debt that is less than one year past due. They have been informed of this but dont seem concerned about obeying the law. The problem with them verifying with the creditors is they dont get an accurate answer and only a scripted answer from a customer care agent lasting basic legal knowledge This is pertaining to XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, Capitol One and XXXX XXXX  I have filed numerous XXXX XXXX XXXX complaints against XXXX but they dont take medical debt law seriously. All they do is read scripted answers and change the topic.. I will request that they refrain from scripted answers and only discuss the removal of the medical debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

Supposedly I had a private loan with Wells-Fargo, It looks like now they have given that loan to XXXX. But when I look on my credit report it shows that I still owe both Well-Fargo and XXXX. When I called to speak with a representative at XXXX they there was nothing they could do to remove the old loan and to call Well-Fargo. After reaching out to Wells-Fargo they told me they no longer have the loan and there was nothing they could do so I needed to reach out to XXXX. I told the rep that I had already done so and I was told to reach out to them, the Wells-Fargo rep said unfortuantely there was nothing they could do and that my credit report should not still show the information that it is currently showing. I have hit a dead spot with wells-Fargo.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX Re : Account number : XXXX date opened : XX/XX/XXXX and XX/XX/XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company name for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, XXXX years ago, I was in a financial dilemma due to XXXX XXXX and multiple XXXX issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on XXXX occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous XXXX. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX