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

There are accounts and inquiries that are a violation to my rights and/or inaccurate. I disputed these accounts with the credit agencies but they still have not removed those accounts or inquiries. All of the accounts and inquiries I need removed will be in document section.
Product: Credit reporting, credit repair services, 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. 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. 

XXXX  ACCOUNT NUMBER XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX / XXXX / XXXX XXXX XXXX ACCOUNT NUMBER. XXXX XXXX  XXXX ACCOUNT NUMBER XXXX. XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX  INQURIES DATE XX/XX/2022
Product: Credit card

On XX/XX/XXXX via express mail XXXX sent letter to company. stating : I am writing to formally dispute the reporting of the charge-off account associated with XXXX on my credit report. Under the Fair Credit Reporting Act 15U.S.C 1681i ( reinvestigation of disputed information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) I am entitled to request and receive complete and accurate documentation. Requested 1. Authenticated Double-entry accounting records and for the account mentioned. This was to include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. stated Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt. 
2.Authenticated Evidence based on Florida law , That you have legal right to report and collect this debt. this includes original signed contracts or agreements that show my obligation to pay the debt and your legal right to enforce collection and report it to the credit bureaus. Without this evidence, the continued reporting of this debt may constitute a violation of both federal and state consumer protection 3 1099-C form- if debt has been forgiven or canceled for less than full balance. If you have not provided this documentation, the debt may be discharged, and it should no longer be reported as owed. 
they responded on XX/XX/XXXX ( enclosed ) but none of the requested information was supplied. on XX/XX/XXXX I sent a second notice stating that they had not issued any of the documentation or confirmation that the account has been deleted. The lack of response constitutes a failure to beet obligations under the Fair Credit Reporting Act and 15 u.s.c. 1681 and 1681s-2. in light of your failure to comply, I am sending this follow-up letter to request an immediate response. If I don not receive the requested information within 15 days. I will be forced to escalate the matter further.
Product: Credit reporting or other personal consumer reports

Inaccurate late payment entries appear on my report. Adjust these to reflect my real payment behavior.
Product: Debt collection

On XXXX-18 I sent a certified letter ( tracking # XXXX to JH Portfolio Debt Equities which was received on XXXX-XXXX-18 at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. JH Portfolio Debt Equities has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of JH Portfolio Debt Equities. JH Portfolio Debt Equities is in violation of the fair  debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX collection agency at XXXX on XX/XX/2020 around XXXX EST in regards to a collection debt that just appeared on my XXXX report. I spoke with a rep name XXXX who provided a reference number XXXX by just looking up my name, which is a common name ; who then transferred me to another rep and advised her name was XXXX XXXX. Ms. XXXX proceeded to ask for my last four of my SSN which I was not comfortable providing her ; so I gave her my full name and date of birth and my current address. She stated she did not have the address I provided on the file she was looking at and I advised her per the FDCPA I have the right to receive validation of this fraudulent debt they are trying to collect on and to please send me a copy of the following : **An explanation of what this alleged account balance is for ; **A calculation of this balance, including the complete payment history on this account so I have proof of the amount ; **Documentation showing I agreed to pay this debt ; **The agreement that grants XXXX XXXX authority to collect on this alleged debt and a copy of their state license, including license number. 

Ms. XXXX stated they are not providing me with any documentation. I advised her I was never notified of this collection and that this debt was not accurate and not mines. If they are unable to validate this debt they will need to remove this collection from my report. 

Today XX/XX/2020 XXXX XXXX decides to report the same collection information on my Transunion report under : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN - In which this address information is the same exact address listed for XXXX XXXX. I have provided documentation showing XXXX XXXX being deleted from my XXXX report as they could not validate this fraudulent debt ; proof showing this XXXX XXXX XXXX belongs to XXXX XXXX and documentation showing them adding the same exact collect on my Transunion report under " XXXX XXXX. ''
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXXXX/XX/XXXXXXXX - XX/XX/year>2023 Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit card or prepaid card

Kohls was having issues sending the statements to my correct address in 2019 and I even spoke with several representatives on multiple occasions to fix this issue. But my attempts were unsuccessful. I was only made aware of the late payments after the fact once the mail eventually arrived to my residence. I have always been diligent about paying my obligations on time and these late pays are a result of the poor communication and transparency on Kohl 's end.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00}
Product: Checking or savings account

My identity has been stolen to open multiple fraudulent banking checking accounts using my personal information including my social security number and birthdate. The banks where my identity has been stolen is Bank Of America And XXXX XXXX  I would like to file a legal dispute against the banking system for negligence and failure to properly authenticate my identity.
Product: Credit reporting or other personal consumer reports

**Company Information : ** - **Company Name : ** XXXX XXXX Bank XXXX XXXX ) - **Account Number : ** XXXX - **Date of Report : ** XX/XX/year> **Description of Complaint : ** I am filing a formal complaint against XXXX due to multiple inaccuracies in their reporting regarding my account, which is now closed and charged off. Recently, on XX/XX/year>, XXXX reported that I am over my credit limit on this account, despite it being closed by the grantor. This misrepresentation has caused significant distress and confusion about my financial status. 

Additionally, XXXX has reported my account with an incorrect spelling of my name, which is a clear violation of my rights. This error can complicate identity verification and impact my interactions with other creditors. 

I have also disputed these inaccuracies with XXXX, noting over XXXX unauthorized soft pull inquiries made by XXXX without my consent. Such actions not only violate my privacy rights but also suggest a lack of diligence in their reporting processes. 

Moreover, XXXX has reported active payments on my account for the period of XX/XX/year> to XX/XX/year>, claiming that terms were met, despite my not making any transactions during that time. This reporting is not only inaccurate but misleading, as it implies that I have engaged in financial activity when I have not. 

According to IRS guidelines, even if I did not receive a tax form 1099-C, I am required to report canceled debt as income. This charge-off should be treated as income ; however, the way XXXX has reported this account is misleading and violates federal regulations. Per 15 USC 1681 S-2, they are prohibited from furnishing inaccurate information to consumer reporting agencies. 

In light of these issues, I am formally requesting that XXXX, XXXX, Equifax, XXXX XXXX XXXX  ( XXXX ) cant provide documentation verifying that these inquiries were authorized by me. Specifically, I request : 1. The name and employee number of the individual who authorized these inquiries during their initial investigation.

2. Documentation supporting the authorization, such as inquiry logs.

3. A signed application with my wet ink signature. 

If XXXX, XXXX, Equifax, XXXX XXXX XXXX  ( XXXX ) can not provide this documentation, I expect the inquiries to be removed immediately. 

**Impacts of Inaccuracies : ** - **Credit Damage** : My credit score has been adversely affected, making it difficult to secure loans or favorable interest rates. 
- **Emotional Distress** : The confusion and XXXX  caused by these inaccuracies have impacted my mental well-being and day-to-day life. 
- **Reputation Harm** : Misrepresentations have led to denied applications and a tarnished reputation with lenders.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX XXXXXXXX XXXX in regards to the late payments that were inaccurately reported to my credit report from XX/XX/XXXX to XX/XX/XXXX. I made every payment on time, However XXXX XXXXXXXX XXXX  did NOT post my payments to my account when they were made. I have attached a list of my payments from their website to show that the payments were made. 

XXXXXXXX XXXX XXXX inaccurately posted late payments to my report. They are inaccurate as you can see I made the payment. XXXX XXXX XXXX has also violated my consumer rights according to USC 15 1681a ( 2 ) ( 1 ). As the consumer, the person ( XXXX XXXX XXXX ) have inaccurately reported transactions ( late payments ). This have made my experience of purchasing a home a horrible one.
Product: Credit card

This credit card was made when I was a minor, I was not aware of this made until years later. I thought I had resolved it when I reported it a two months ago but it continues to affect my credit score and continues to request payments.
Product: Debt collection

Reviewed most recent credit report and I noticed a collection that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection in question did not belong to me. 

Under code 15 USC CODE 1692g & 15 USC 15 USC 6802 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my Equifax, consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Product: Checking or savings account

Ive been a XXXX  year plus client at Chase bank. I have never initiated a single wire transaction in my entire history with the bank. My account and identify were stolen and the criminal ( s ) fraudulently wired {$8700.00} out of my account in XXXX separate wire transactions ; XXXX for {$4500.00} and XXXX for {$4200.00}. They also transferred all of my money in my joint savings account to my checking account in {$5500.00} increments. I notified Chase immediately and have spent the last few days talking with various people from Chase and getting a completely different story every time I speak to someone. Furthermore, my claim was just denied yesterday. Myself and my family are absolutely devastated. This behavior is shameful and disheartening as we have put our trust in Chase for so many years to protect our finances. Anything you can do to help resolve this would be greatly appreciated. Trying to follow up on status, next steps etc. has been a total nightmare. I have filed a police report with the XXXX police department, a complaint with the FTC and the XXXX. 

I filed a police report with the XXXX police department, case number XXXX with XXXX XXXX XXXX XXXX and had active cases/complaints with Chase bank XXXX XXXX and XXXX XXXX. This occurred on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I XXXX XXXX, a real person, called Equifax. I was directed to the their XXXX XXXX. I expressed they were reporting inaccurate information on my credit profile. The dispute was regarding my credit card from XXXX  XXXX XXXX. The account # XXXX for the late payments. She gave me the confirmation for this dispute as # XXXX. XXXX XXXX stated I had been late in the past on my car payments and that she could proceed with the dispute but it will not guarantee it will be removed. Well I am now aware of my rights and this is a clear violation under the FCRA, under 15 U.S. Code 1666b ( a ). This law states : Time to make payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor ( ME ) has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. A credit card is defined under 15 U.S. Code 1681a means ANY CARD, PLATE, COUPON BOOK, or either credit device existing for the purpose of obtaining money, property, labor, or services on credit. I had to give my SOCIAL SECURITY CARD to proceed with this extension of credit, which is a CARD in fact. Please remove this inaccurate information as it it damaging my credit worthiness to lenders, as I am in the process of purchasing a home. If this is not removed, I will seek remedy under 15 USC 1681n for damaging my credit profile. We all know what I can sue for so just delete the items. I would also like a letter stating it was deleted and it be sent to the correspondences to email : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I am writing to dispute the fraudulent accounts that have been reported on my credit report. I have never applied for any of the accounts listed. In addition, I have not authorized any person or company to access my credit report. These accounts are inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding. 
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. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller. 

I request that you investigate and remove any fraudulent inaccurate accounts from my credit report immediately. Please provide me with written confirmation that this issue is resolved. 
1.Amer Fst Fin Account # XXXX Date Opened XX/XX/2022, Balance due {$830.00}. 

XXXX Account # XXXX Date Opened XXXX XXXX Balance Due {$18000.00} This account is fraudulent and inaccurately reporting on my credit report. Under the fair credit reporting act this account is closed and past the 7-year statute of limitations and must be removed immediately. XXXX states that this company is not licensed or regulated to collect a debt in my state, Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX uses a fake consumer reporting agency called sagestream llc. They have my credit score as XXXX. I have XXXX with XXXX  h XXXX  XXXX with XXXX  and XXXX with XXXX  this resulted in a much higher than should have been interest rate. Didn't even know this fake credit reporting was legal.
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I sent letters to I.C Systems requesting validation of debt also letting them know I did not open an account with them. They continued to report this incorrect, unverifiable debt on my personal credit report. I have yet to receive a response from this company which leads to EStoppel. I did not open an account with XXXX.
Product: Bank account or service

I had a commercial account that was only had check for purchases. someone at Chase bank allowed someone to get a Debit Card on my company 's account without authorization and stole a lot of money. Since I have other businesses I did not know that money of this magnitude because I was receiving update on my account on the internet, but that stopped and the address was changed for my statements to the business address. I believe that since someone in the bank help whoever was assisting the theft they will not take care of this problem.
Product: Debt collection

I was advised that IC systems has reported a disputed bill to the credit bureaus without validating and adjusting the bill to the correct amount. 

In XX/XX/2018, I received a call from IC Systems on behalf of XXXX. I advised the rep that the bill was incorrect and needed to be adjusted to reflect the amounts paid for cellphones. I was told by the rep that she would look into it. However, the phone was disconnected and I heard nothing else from the company. 

On the evening of XX/XX/2018. I received a letter from XXXX, before I had a chance to respond, I received a phone call from IC Systems on XX/XX/2018 advising me that although the bill is inaccurate, it was reported to the credit bureaus. 

I asked why I hadnt heard anything else from them regarding my initial dispute or otherwise and was told that theyve called me but its against their company policy to leave a voicemail and that my dispute was not honored because they didnt receive it in writing. 

I advised the rep that I never received their contact information, not by letter or phone and was under the impression it was handled by XXXX since thats who Ive been working with since the last call I received in XX/XX/XXXX. I was told that it is my responsibility to get their information and to validate the debt. I proceeded by asking for an email address to send a complaint and follow up dispute and was guided to their website.
Product: Debt collection

this company is in violation of fcra section 609 623 and several others they are not able to show original signed contracts or any form of proper debt validation at all this has been an ongoing issue that ive tried to resolve with this company to no avail