23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My ex husband had a business which I had a XXXX XXXX XXXXXXXX card in the business name that was granted his in the divorce proceeding. It was sent to Credit Control collection agency who called me OVER 10 times a day. I paid a few payments until the judge deemed it his debt. At that point I sent a debt validation letter along with a cease from ALL contact request and asked for proof of all of the applicable information from this debt collector certified returned receipt requested ( sent XX/XX/XXXX tracking XXXX XXXXXXXX was received XX/XX/XXXX ). I only received PARTIAL information back which in turn makes it so they can not report to the credit bureaus. This company has not so far however they continue to call and harass me. I received yet another call XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXXXXXX. As previously stated this is NOT my debt and I informed to refrain from contacting me. I suffer a very serious medical condition ( XXXX XXXXXXXX XXXX ) and the constant harassment is causing pain and suffering on my health. 

I do have photos of the receipt from the post office if required including tracking number listed above FINAL DECREE ATTACHMENT PAGE XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX File number # XXXX Trans Union LLC XXXX XXXX XXXX po box XXXX XXXX, PA XXXX Date : XX/XX/XXXX RE : XXXX { Transunion, } on { XX/XX/XXXX } you received my dispute letter see XXXX XXXX number { # XXXX XXXX XXXX XXXX XXXX XXXX ] regarding inaccurate and incomplete information on my consumer that you replied Verified and Updated. 
The account that you responded verified and updated to still has inaccurate and incomplete information. 
15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
By law you are obligated to report accurate information, you are also supposed to notify me not later than 5 business days after the completion of the reinvestigation by mail BUT you did not?!

( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am here. By requesting in good faith pursuant rule 1XXXX a description of the procedure used to determine the accuracy and completeness of the information used in verifying this account as accurate. 

Sincerely, XXXX XXXX XXXX XXXX Reservations of rights Tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Apparently I am all of a sudden a high risk to them and they have closed two accounts. I havd value pays coming up, so I had to pay for previous items myself. Now my monthly payment has doubled, which is an amount I can not pay. This has started a snowball effect to other crediters, my credit limits are starting to be lowered. in some instances I have items backordered since last XXXX, now I will not be able to pay for them. I XXXX XXXX XXXX XXXX at the end of XXXX, and have been inundated with medical bills. Two weeks ago I XXXX XXXX XXXX. Minimum payments are all I can do right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing erroneous reporting information on my credit file that is adversely affecting me. I would like a lawful investigation according to the FCRA to resolve my issue.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ONLINE IN SV ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Date Opened XX/XX/2020 Balance {$1200.00} Im unsure about the accuracy of this reporting. There are two different dates of date opened and three different dates of last activity reporting. I am certain that this kind of reporting is a violation of the FCRA.
Product: Debt collection

someone used my name to trade in another phone carrier, They try to to buy out the phone and XXXX was going to pay for it. something happen where XXXX didn't pay the phone and now trying to have me pay {$1500.00}. I refuse to pay this or pay anything. i was robbed in my name and now it went to my credit where it is bringing my score all the way down. I need this to be off my credit and out of my name. This really made me mad to the point that I should not be responsible for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015 I was the victim of identity theft and credit card fraud. I had over {$40000.00} stolen from my Wells Fargo bank account and my WF credit card was used by the thieves. I have gone around and around with Wells Fargo with police reports and much more indicating I was a victim of fraud. I was told by Wells Fargo to not pay my credit card while the issue was being looked into. I spent months and years working with Wells Fargo and they have me being 90 days late in 2015 as a result of the information I was given by reps at Wells Fargo.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I was surprised to find that the following company ( s ) is/are reporting charge off ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the removal of the mentioned charge-off ( s ) as I firmly believe that my consumer rights have been violated, as per the consumer law ( s ) listed below.

15 U.S.C. 1681a - Definitions ; rules of construction Section ( 2 ) Exclusions.

Subsections ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C. 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

According to the law, a late payment is considered a transaction and should not have been added to my consumer report.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; As a consumer, I am aware that I can charge {$1000.00} for damages if this item is not removed promptly, as it is causing me significant harm. Please refrain from stating that the item has been verified. Either the law is applicable or not. Kindly send an updated copy once the disputed item has been removed.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax listed XXXX on my credit file as a charged off account listing me as an authorized user. I did not approve of being listed as an authorized user. I never once gave my approval to XXXX to list me as an authorized user on any accounts. This is a violation Also, XXXX, Equifax and XXXX has listed SOS Group on my credit file as well I never once received any notifications to validate debt I have two health insurances and was told I wouldnt have a balance SOS Group is reporting inaccurate information and account I know nothing about which is also a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to build a home. I was denied and I could n't understand why however, when I pulled my credit report I understood why. I was really so upset that so many accounts were reporting on my credit report that I had no knowledge of. I did contact the creditors but they would not do anything but try and make me pay for debt that was not mine. I have written letters and still nothing has been done. Please help me. The following accounts are on my report and are not mine.   XXXX   XXXX   XXXX   This is an account that I have no knowledge of and it is not my debt! There are  XXXX  US Department of Education on my credit report. These are not my accounts and I have no knowledge of these accounts.   XXXX   is also reporting  XXXX . These are not my accounts. I work very hard to pay my debt however I refuse to pay a debt that does not belong to me. Please help me! This is a type of fraud that these creditors continue to report this false information.
Product: Credit card

I am asking for your help to review these accounts from companies that are inaccurately reporting late payments. After losing my job, I requested forgiveness for these late payments, and they agreed, but they are still being reported as late. Ive reached out to them without receiving any updates, so I am turning to you as a last resort
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Complaint Against Experian for Violations of the Fair Credit Reporting Act Experian Deleted My XXXX Credit Card Account To Whom It May Concern, I am writing to formally lodge a complaint against Experian, a consumer reporting agency, for multiple violations of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that Experian has failed to comply with its obligations under the FCRA, specifically regarding the accuracy of consumer reports, as outlined in 15 U.S. Code 1681e and 607 ( b ). 

Experian has reported inaccurate information on my credit report, which is a clear violation of the FCRA. The law mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. However, Experian has not adhered to these requirements, which has severely impacted my creditworthiness. 

Furthermore, I have substantial evidence indicating that Experian has engaged in " sham investigations '' of disputes I filed regarding inaccuracies on my credit report. Instead of conducting thorough reviews, Experian has dismissed my concerns without proper investigation, thereby violating 1681n, which stipulates civil liability for willful noncompliance.

Experian has also accessed my consumer credit report without my written consent, further breaching the provisions set forth in 15 U.S. Code 1681a. This unauthorized access is a violation of my rights as a consumer, and I am entitled to pursue legal action against Experian for this misconduct. 

Given these serious violations, I urge the CFPB and FTC to take immediate legal action against Experian. It is imperative that they are held accountable for their blatant disregard for the FCRA and their failure to protect consumers like myself from inaccurate credit reporting practices. 

I request that you thoroughly investigate this matter and take the necessary steps to ensure that Experian adheres to the requirements of the FCRA moving forward. 

Thank you for your attention to this urgent matter. I look forward to your prompt action. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) T
here is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN 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.
Product: Credit reporting or other personal consumer reports

Chime has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using chime a my primary bank account for about 3 years. and they have failed to create a credit score for me. Applied for the Chime Credit Card on XX/XX/year> ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with chime on this and they have replied with " everything is correct '' - which it is not. Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with XXXX, XXXX and XXXX. I also want Chime to cover the {$350.00} I had to spend to open this new account. Please find all the attached Credit Card statements that chime has not reported to the credit bureaus I recently called XXXX who said that Chime as not reported my credit score. I called chime and they asked me to take it up with XXXX. 

On talking with XXXX, they said I can't dispute something that is not there on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently checked my credit report and it inaccurately displays information regardiing my XXXX account that is with Receivables Performance Management. I settled an agreed upon amount of {$1500.00} with the company to close out my account and report my account as settled. 

I checked my report today XX/XX/2020 & the information still shows the full amount & it was not updated. I have the documents from the company and the agreement that certifies this information.
Product: Bank account or service

I was charged on a XXXX NSF fee because my account was overdrawn {$0.00} cent due the Bank of America moving the {$0.00} to the other account from the Keep the Change program. When I called into the Bank on XXXX XXXX I spoke with a lady and she said that I will reverse the XXXX fee because the amount was less than {$1.00} and due to the system being slow the refund should credit my account by XXXX. But XXXX had came and gone and the funds had not credited my account. I called back and used the chat system to inquiry about the funds and was then told that I would not get a fee reversal even though the fee was caused by an amount less than XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In violation of the Consumer Financial Protection Act, Chase did not affirmatively tell every customer about its hardship policy and offer any opportunity to put collection on hold for those impacted by the pandemic. In violation of the Fair Debt Collections Practices Act, Chase used the predatory debt collecting practices to email and send threatening calls and emails during the pandemic. Additionally, in violation of the Fair Credit Reporting Act, my XXXX XXXX XXXX XXXX reports different to all three bureaus ( XXXX, XXXX, XXXX ). My local branch of JP Morgan Chase Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI ( XXXX ) XXXX ) was routinely and unexpectedly closed several times from XXXX, 2020 - XXXX, 2020. 

I have asked Chase Bank to honor their commitment to customer satisfaction and remove the late payments on my credit bureau files under the CARES Act. Rather than being interested in ANY type of customer correspondence or offering any type of compassion, they simply reply with a detailed timeline of the most financially devastating time in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX BANK XXXX, DEPT OF EDXXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX Furnishers ] customer service representative.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  This information is incorrect, I was never late on this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect 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

I disputed an item off of my XXXX XXXX credit report. XXXX XXXX deleted the information for verification purposes I also reached out to Equifax but they are not responding with any verification of the account in dispute. The account is in the re-investigation process and I've sent letters regarding the dispute and still no resolution.
Product: Debt collection

I have been in contact with Medical Data Systems ( collection company for XXXX XXXX in XXXX GA XXXX on several occasions about them incorrectly reporting {$150.00} to the credit bureaus, and they do not rectify the issue. I also have contacted the credit bureaus, however, this company continues to erroneously report/add this account on my credit report. The amount of {$150.00} was covered ( in a contractual rate amount XXXX by my health insurance, however, Medial Data System does not remove the debt from my credit report ( s ). XXXX  removed it when I first appealed, but when I appealed with the other credit company 's, and Medical Data system did not correct the account info, XXXX  re-added it to my report. This company and the hospital do not reply to my many requests and I have faxed proof of my insurance payment. They are negligent to fair credit act responsibilities. I feel like there is no one to help consumers from this company.