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

The company is reporting incorrect information on my credit report, I sent in my drivers license ID and social and ID fraud report however the two items remain on my Experian report which do not belong to me.
Product: Credit card

I just opened up a credit card with Barclaycard Bank. They did a hard pull on my credit report which negatively affected my XXXX score. I used the card and paid on time always. I did nothing wrong. They recently closed my account for no reason which again negatively affects my credit report because I will have a notation indicating that the credit was closed by the creditor.
Product: Debt collection

XXXX continues to call daily. In XXXX of this year I was offered a settlement by said company to pay off a closed XXXX account. I took it and paid {$170.00}. This month they began calling stating that XXXX refused the settlement and I still owed the remaining balance. I stated to them that they need to refund what I paid and I will be happy to continue with the payment plan I was current on. Because by accepting payment and sending me a paid in full receipt debt was paid. Calls continue.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX  out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX  || Date of inquiry : XX/XX/XXXX XXXX  || Date of inquiry : XX/XX/XXXX
Product: Debt collection

Subject : Request for Reinsertion of Credit Information Dear Lvnv, I am writing to request the reinsertion of a credit item on my credit report that appears to have been removed. I recently received confirmation that this account has been verified and is accurate, and I believe its absence could negatively impact the completeness of my credit report.

The account details are as follows : Creditor Name : LVNV Account Number : Account Number is not listed Date of Original Reporting : XX/XX/year> I have attached the following documents to support my request : Proof of account verification ( e.g., correspondence with the creditor or credit bureau ). 
Any relevant supporting documentation, such as account statements or a letter from the creditor. 
Please confirm the reinsertion of this account and provide an updated copy of my credit report. If the account can not be reinserted, I request an explanation as to why, per the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiries : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau** **Subject : Dispute of Unauthorized Account on Credit Report** Dear Sir/Madam, I am writing to formally dispute the presence of an account listed on my credit reports with TransUnion, XXXX, and XXXX XXXX The account in question is identified as **XXXX XXXX XXXX**, and it is a revolving credit card account with a derogatory status. 

# # # Disputed Account Details : - **Account Number** : XXXX - **Account Type** : Revolving ( Credit Card ) - **Bureau Code** : Individual - **Account Status** : Derogatory - **Monthly Payment** : {$0.00} - **Date Opened** : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) - **Balance** : {$21000.00} - **High Credit** : {$21000.00} ( TransUnion ), {$20000.00} ( XXXX ) - **Credit Limit** : {$20000.00} ( TransUnion ) - **Past Due** : {$21000.00} - **Payment Status** : Collection/Chargeoff - **Last Reported** : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) - **Date Last Active** : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) - **Date of Last Payment** : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) # # # Discrepancies and Reasons for Dispute : 1. **Ownership Dispute** : I have never opened, authorized, or had any association with this account listed under my name.

2. **Unauthorized Usage** : This account does not belong to me, and I have not made any payments toward it.

3. **Violation of Fair Credit Reporting Act ( FCRA ) ** : The inclusion of this unauthorized account on my credit report violates the FCRA , particularly Section 611, which ensures the accuracy of information reported by credit bureaus.

# # # Requested Actions : 1. **Investigation and Removal** : I request an immediate investigation into the origin of this account and its erroneous association with my credit report. Additionally, I demand the removal of this account from all three credit bureaus ' records.

2. **Notification** : Kindly provide me with written confirmation of the investigation 's progress and the actions taken to resolve this matter.

# # # Legal Basis for Dispute : 1. **Fair Credit Reporting Act ( FCRA ) ** : The FCRA mandates accurate and fair reporting of consumer credit information by credit reporting agencies. The unauthorized listing of this account violates the FCRA 's provisions, including Sections 611 and 623.

Enclosed are copies of my credit reports highlighting the disputed account, as well as any supporting documentation affirming my claim of unauthorized account ownership.

Thank you for your prompt attention to this matter. I trust that you will investigate this dispute thoroughly and rectify the inaccuracies on my credit reports promptly. 

Sincerely, XXXX XXXX
Product: Debt collection

I had a XXXX bill that had gotten sent to collection earlier this year. The company that reported on my credit report was said to be GC Services. So in a temp to pay all of my debts off when I got a new job, in the beginning of XXXX, the XXXX to be exact, I paid my balance of {$600.00} in full. I was given a confirmation number and told that a letter would be sent to me within 30 days as will the debt be up to date and noted that I paid my balance in the same time frame. By the time the 30 days were up, and I even gave it a few extra days, I had received no confirmation letter and it was still reported that my account was still in collection. I called GC services to try to get an understanding of what was the hold up and they told me that my balance was at zero and that the issue was with TransUnion ( creditor ). Had given that information, I contacted XXXX in which I disputed the account and gave the confirmation number as part of the investigation. I got my results from the investigation that showed there was no change in my account and My account was in collection with GC Services. So I called GC back to see where was my confirmation letter so I can prove that I paid the debt to XXXX because XXXX was saying that when they tried to verify the confirmation number with GC Services, it was reported that The confirmation number was not valid. I called and called until they ( GC Services ) finally sent a confirmation letter that I did n't receive until XXXX. So immediately I went ahead and faxed the letter to TransUnion in which XXXX of the representatives told me to do and it will take 5-10 days to review. I got a letter in the mail from XXXX that said once again, there was no change in my account. I called to speak with the Supervisor and the Gentleman told me that they sent that confirmation over to GC Services to verify and they and I quote " Would not '' verify that the document was legitimate. Every time I ask either company could they contact the other directly they tell me that they could not, the other company as to contact them. Each one says it 's not up to them it 's up to the other and the Supervisor at GC Services told me that It is out of her hands because she did her part ... .. As I 'm explaining the situation to each company, both are placing the blame on the other saying things like " Maybe there system is n't up to date. '' I called and verified that everybody 's ( both companies ) system updates immediately. GC Services says that XXXX never contacted them, TransUnion says they tried to contact them multiple times and they " wo n't '' verify that my account has been paid in full. At this point I do n't know what to do. I can not get approved for my place because of this account. I can not replaying my credit because I am in debt for something I paid months ago.. I do n't know who 's lying or if both companies are lying. I just want this account to be up to date and if not, I would definitely love my money back to whoever I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau XXXX  has not been updating my delusions and removals. XXXX  numbers are incorrect and I want a critique of my credit report and delete outdated in XXXX also my credit card information is incorrect. Also also trans union has to update my credit report from credit XXXX also my XXXX  account is incorrect and I want that fixed thank you
Product: Credit reporting

I have repeated contacted Equifax about the inaccurate information that they are managing in my consumer file as it relates to XXXX XXXX XXXX XXXX XXXX for account # XXXX with an open date of XX/XX/XXXX. I most recently disputed the information report because it is obvious the information is inaccurate just simply by comparing previous reports from Equifax. The result of the dispute from XX/XX/XXXX with a completion date of XX/XX/XXXX and conformation # of XXXX ( see attachments XXXX pages ) the XXXX XXXX account # XXXX - shows the following information item as of date reported of XX/XX/XXXX, date of last payment of XX/XX/XXXX with date of 1st delinquency of XX/XX/XXXX and date of major delinquency of XX/XX/XXXX and charge off amount of {$36000.00}. Under the account history with status Codes : XX/XX/XXXX- L, XX/XX/XXXX-L, XX/XX/XXXX- L, XX/XX/XXXX- L, XX/XX/XXXX-L, XX/XX/XXXX - L. ^^^ According to the credit report I have not made a payment since XX/XX/XXXX but the first delinquency date of XX/XX/XXXX and the date of first major delinquency of XX/XX/XXXX : Now according to the account history with status code, the account suddenly went code XXXX, which is 120-149 days past due as of XX/XX/XXXX followed by code XXXX as of XX/XX/XXXX followed by code L as of XX/XX/XXXX which according to the code key means ACCOUNT CHARGED OFF. We know its impossible to suddenly be a code XXXX or 120-149 days delinquent for XX/XX/XXXX if the a last payment date of XX/XX/XXXX as indicated solely by what the credit report states, then to suddenly just up 180 days or more past due by XX/XX/XXXX. They also show on the report that the account has a first major delinquency date of XX/XX/XXXX, but then show the account charged off as of XX/XX/XXXX again this information is obviously wrong and grossly inaccurate. Due to Equifax 's continued non- compliance with the law as it relates to deleting inaccurate information has caused me great harm that continues to build as time continues to past and they refused to correct the issues. Due to them knowingly keeping grossly inaccurate information in there records with the refusal to correct needs to be made to comply with the law and now delete and block the account from my credit file. 

They are also reflecting a social security number of XXXX which is not my social security number. I have repeatedly ask them to remove this information and again they refuse to comply. It is obvious that they have a pattern of maintaining inaccurate information on consumer and refusing to follow the laws. If this is what they are doing to me, can you imaging how they are doing others who do not speak up. I truly feel this is a class action issue affecting many Americans. 



Over the last two years, I have to constantly contact this governmental agency because Equifax refuses to comply with the law as it relates to removing known inaccurate information from the consumers credit report as evident by previous complaints filed with your agency.
Product: Debt collection

I am filing a formal complaint regarding the unlawful reporting of a disputed debt to the major credit reporting agenciesEquifax, XXXX, and TransUnionin violation of Texas Finance Code 392.202, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

A third-party debt collector, XXXX Incorporated , is attempting to collect a debt that is invalid under Texas Property Code 92.017 and the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3955. Despite my legal right to terminate the lease without penalty, the debt was wrongfully assigned and reported to XXXX, XXXX, and XXXX, causing unjust harm to my credit profile. 

Additionally, XXXX has failed to validate this debt, yet continues collection efforts and has furnished inaccurate information to credit reporting agencies, violating : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) Prohibits the reporting of inaccurate or incomplete information by furnishers of credit data.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) Prohibits debt collectors from communicating false credit information, including failing to disclose when a debt is disputed. 

Texas Finance Code 392.101 Prohibits credit bureaus and debt collectors from reporting inaccurate or unverified debts. 

I request that the CFPB investigate this matter and take appropriate action against XXXX and the involved credit reporting agencies for failing to comply with state and federal laws.
Product: Credit reporting or other personal consumer reports

Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX This is regarding an inaccurate judgement and personal tenant screening. XXXX XXXX, and Tenant Screening Agencies are in violation of 15 USC 1692g. The debt collector were to notify me of this issue in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. In addtion, pursuant to 15 USC 1681i ( 5 ), if the debt can not be validated or confirmed to be accurate, you must DELETE. 

XXXX, I received emergency assistance from XXXX Rental Assistance Program at The Alliance for Eviction Intervention ; website XXXX XXXX Participating landlords were responsible for completing the Terms and Conditions and Guidelines regarding receiving payment. XXXX XXXX breached contract, however they was paid in full for the amount of {$17000.00} including late fees. My security deposit and for move out charges was deducted from XXXX. I received a deposit for {$4900.00}. I also provided attachments to investigate. If you have any questions or concerns please call or email me at XXXX or XXXX XXXX
Product: Debt collection

XX/XX/XXXX ProCollect called my mobile while I was in the waiting room of a hospital for my mother. PC asserted a debt of {$4100.00}. Did not describe the debt other than to identify the creditor as XXXX XXXX XXXX XXXX. I asked for more information, but PC would only demand that I make payment, and threatened consequences. I ended call saying not to call me again, and to send any communication in writing. 
First week of XX/XX/XXXX Credit bureaus report that my credit score was dropping substantially because of a collections report. No additional information in the credit report beyond PC name and XXXX XXXX XXXX XXXX. I disputed with the two bureaus that would allow dispute, but they denied dispute. XXXX would not allow dispute without more information, but no such information had been disclosed in PC demand or any credit report about the collections claim. 
XX/XX/XXXX PC sent letter, addressed to XXXX XXXX, asserting same claim with no additional information. I received letter around XXXX. I responded with a letter XX/XX/XXXX demanding documentation that supports PC 's belief that I owe debt. 
XX/XX/XXXX letter from PC, received XX/XX/XXXX. Provided hilariously inadequate documentation of debt. If it was in fact evidence of some debt, it was against one of two other people, who live 3000 miles away from me. We only shared a first name in common. I replied with the attached letter.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for a Marriott Chase credit card after reading their promotional offer of a {$250.00} gift card that would be deducted from the cost of the room I booked. I have all the documentation showing what was advertised both online and in a brochure in the hotel. After getting approved, Chase denied me being able to get the gift card. I escalated the issue to their executive team and still was unable to get a resolution.
Product: Credit card or prepaid card

This is a yearly problem with Kohls and their store credit card bank. 
Simply put Every year they send me massive amounts of e-mails trying to get me to go paperless and to increase my limits. Almost, if not to the point of stocking or harassments. And I've been a customer for more than a decade. 
As far as I can remember I have never been late with a payment. 
But still every year in XXXX or around this time they always loose or claim that my payment was never received. And usually being strong-armed into paying the fees and having my interest jacked up, the payment magically shows up as cashed by my bank, and them taking even more money. The is this years XXXX billing occurrence. Please see my attachments ; which show my bank register payments and the corp. letter I sent. and the Kohl 's 30 day to respond letter ; which, they do NOT abide by and had already charged the fees and interest hike XXXX  days after they mailed the letter. 
Thank you
Product: Credit reporting or other personal consumer reports

Please Remove all Fraudulent items as i have no knowledge of any of these accounts due to the XXXX data breach identity theft. All is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigationover. 
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 did not authorize these inquiries and strongly suspect them to be fraudulent. I urge you to conduct a comprehensive investigation and promptly remove them from my credit report. I have submitted supporting documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments.Pursuant to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/2022 were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Product: Credit card or prepaid card

I was in jail from XXXX til XXXX after I got I found out my ex roommate had gotten ahold of my card and stolen {$2700.00} from my NetSpend account. Also she stole from my XXXX account too. Now I talked to NetSpend and the corporate office they kept denying my dispute then they said they needed something stating I was in jail. Well I was in the XXXX jail on the reservation and right now they have limited staff and are even letting people out of jail because of this new coronavirus. Well I called the jail and explained and they told me that my probation officer should be able to get something saying how long I was in jail for as they are understaffed right now so I called my probation officer and she said she can get a generic jail release form for me and send it to XXXX and NetSpend. Well NetSpend wouldn't take it because it as they put it official well my probation officer left her number if they had questions but they still denied me and XXXX well they kept denying me til I got a email the other day stating my account with them is frozen and then a couple hours later a email stating it's suspended. And with XXXX they denied me because it said it had been over 180 days and I had two statement cycles to have had reviewed the transactions well I couldn't I was in jail. I filed complaints with these companies on XX/XX/XXXX. Now i don't know what to do NetSpend and XXXX denied my claim I'm a single mother i went to jail for my 6th driving under suspension and I have no money. My ex roommate wanted me out. My 5 yr old daughter got a chocolate bar for XXXX since I couldn't afford anything else. It's not right or fair that someone can rob a person and then have their so called banks deny any claims filed. XXXX told me to get a lawyer if I wanted well I can't afford one. Both XXXX and NetSpend customer service gave me trouble hanging up on me and bring rude. I need help with getting my money back please. Also NetSpend said because they wasn't changed and all the transactions were in the same town and stores I've used my card at before that's why it was denied well my ex roommate knew my pin I had in the past sent her to store or whatever to get me somethings so that's how she knew my pin and of course it's in the same town we lived together and there isn't a whole lot of stores there so yea kinda messed up but I'm hoping you guys can help me out please and thank you