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

I have reviewed a copy of my credit report and I show that inquiries listed on my report are inaccurate and or fraudulent. I have sent letters to credit bureau with no reply to the matter. I have also file and FTC, police report on fraudulent inquiries on my credit report. here are the inquires listed. 

Company Inquiry Date XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

I asked the credit bureau ( s ) to check my credit report for accuracy and to verify the accounts on my credit report. Experian replied that everything is accurate, XXXX and XXXX has not responded. After I checked my credit report I still find inaccurate information on my credit report and no response to me asking for verification. ( All accounts with star mark in front of them are the accounts ) Also you can see how Experian has no name for my credit report and a previous address ( I have lived at my current address for over 2 years ) I have asked the credit bureau ( s ) to update my name and address. I have provided them with a copy of my driver license and SS # ( card ).

I asked the credit bureau ( s ) if they was familiar with 15 U.S.C Sec. 1681i ( a )?
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX CO on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX CARDS XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX BANK NA on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Debt collection

afni collections XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX,XX/XX/XXXXXXXX Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX and its agent ( afni collections ) states I owe a balance of {$120.00}. I have also recently found out that a settlement was offered for {$64.00}, " I do not owe any money to XXXX XXXX XXXX XXXX. '' In fact have contacted them on a number of occasions to get a copy of itemized bills for the claimed amount. Here is a list of recently documented contacts : - On XX/XX/2020 I talked to XXXX XXXX XXXX rep XXXX who stated they would send copies of bills, thereafter I was transferred to Collections Rep. Ms. XXXX, this Rep. reviewed the account and stated charged had something to do with equipment charges. I stated that impossible because I was advised there was no need to return the XXXX XXXX XXXX modem, if fact it still sits in my storage room! She opened a request and gave me reference # XXXX, and state the XXXX Back Office Team ) would contact me. I have not received any contact. 

- On XX/XX/2020 @ approximately XXXX talked to Rep. Ms. XXXX regarding issue she opened up a request and provided reference # XXXX. I have not received any information. 

-Recently on XX/XX/2020 I called and was transferred to Rep MsXXXX XXXX ID # XXXX who advised me she could not access the account due to some system issues and stated I would need to call back. I advised the Rep I would not be calling XXXX XXXX XXXX back and would pursue other legal remedies. 

I can not believe I am going through all of this for {$120.00}, this is erroneously affecting my credit at this point and I am seeking all avenues of relief.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Transunion, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name- XXXX, XXXXXXXX XXXX  Incorrect Name - XXXX XXXX Incorrect DOB - XX/XX/year>XXXX  Incorrect Address - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX  XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX EMPLOYER - XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have only been with this company a few months. However, I have never been reported late to the credit bureaus. My payments are always made within the first week however, I get harassing calls from this company every month for example this month I received a call on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I advise the representative that I will be making my payment on Wednesday. I also asked the representative if they look at my account? I always pay and I never go past a week of the first, I attempted to explain to the representative that This is starting to feel uncomfortable that someone is calling me every day for {$91.00} payment that they see on the account that I make every month so far each time I made the statement the representative would say well your payment is due on the first again I have never been reported to the credit bureaus for being late, and my payments are always made around the first of the month. These calls are making me very uncomfortable. It feels like harassment, especially when Im paying. The comment that was concerning for me today is that false information is being put on my account that I am not responsive or answer the phone. There was only one time that someone called me and I was unable to answer the phone because I was at work in a meeting. However, XXXX explained to me today that my account states that I am non-responsive, which is absolutely false. As I mentioned today, I dont need to be harassed getting calls every day about a payment that clearly shows on my account that I make never been late and I dont need to be stressed out at work about a payment that I make monthly. And I definitely dont need false information on my account or to be told what my payment is due on the first when its not being reported to the credit bureaus. Seeing this company call stresses me out and I have only been with them since XXXX. I will make every attempt to pay them off as I really dont feel that I want to support this company any longer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has a different payment date on the credit bureaus and also is not reporting the correct payment history. XXXX, Transunion and XXXX is showing different history on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately. 


15 U.S. Code 1692g - Validation of debts U.S. Code ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; You Violated The United States Code Law 15 U.S. Code 1681b- Permissible Purpose of Consumer Reports ( a ) In general, Subject to subsection ( c ). 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.

Under 15 U.S. Code 1681b Permissible Purpose of Consumer Reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

I never gave you any written consent to report anything on my consumer report no consent is Identity Theft. 


I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Product: Debt collection

{$170.00} Opened XX/XX/2017 Repeated attempts to ask for proof of debt and company will not comply. say they will provide the information and they do not follow up. They use terms such as " if and when '' find verification we will send it to you. The law states that they have to provide proof not " if and when ''
Product: Debt collection

Calvary Collections and assigned lawyers suing for debt that is past it 's statute of limitations in the state of Alabama. Statute of Limitations passed as of XXXX XXXX, 2015. They filed to get a judgement on XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX a complaint was filed with CFPB in reference to XXXX investigation into a hard inquiry on my credit file ( complaint # XXXX ). XXXX response stated the hard inquiry was valid, because of persistence and established dialog with XXXX XXXXs executive office ; on XXXX XXXX, XXXX a letter was received agreeing to remove the Hard Inquiry from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that as a consumer I'm being treated unfairly by CITI bank, they lowered my credit card limit from {$3500.00} to XXXX for something negative on my XXXX  report as they stated. I got issue fixed and after calling them they cant seem to now reinstate by available limit and only want to hurt my consumer credit report y doing another hard inquiry that will damage my credit report. all I'm asking is to be treated fairly. Seems like ive been getting conflicting information from CITI.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX # XXXX Closed Accounts : XXXX  XXXX # XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX AUTONATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a collection letter from ERC in reference to XXXX account from XXXX XXXX  XXXX that went delinquent. I do have credit accounts with XXXX XXXX   but they are all in good standing. I checked my credit report with XXXX, XXXX, XXXX. 

I don't have a XXXX XXXX  credit card. XXXX XXXX would have been reporting to the bureaus. ERC Collections acquired statements from the alleged XXXX account with my name and 2 different mailing address, from the years XXXX, XXXX. 

If I would have opened XXXX account with XXXX. I would not allow it to go delinquent. I would like this investigated because the last 4 digits in the account number end in XXXX. 

In the validation letter that I received there are 2  different mailing addresses and account number ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

My debit card use was restricted so now I cant use my debit card to make everyday purchases or send money. Keep in mind I have a family and one year old son to provide for and this is completely not ok to do to someone all because I had to get another debit card from fraud charges that happened on my account
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : XXXX XXXX XXXX Date XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX WY XXXX, CA XXXX XXXX XXXX Date XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX Late Payment {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  ) XXXX Collection {$890.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Collection {$630.00} XXXX  XXXX Charge-off {$5500.00} XXXX  XXXX Charge-off {$140.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent inquires on my credit file that I asked t be removed due to them not being soothing that Ive applied for nor did I apply for them in the pass the two inquiries are XXXX XXXX XXXX inquiry date XX/XX/XXXX and XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 I applied for a XXXX credit card ( Chase Bank ) through the XXXX website when making a flight reservation, advertised was a {$100.00} statement credit and no annual fee for the first year. All of a sudden there was a {$450.00} annual fee charged - outrageous for a credit card annual fee - so on XX/XX/XXXX. 2019 I called Chase, was told it was for an annual fee, they could remove it and close the account. I asked about the {$100.00} statement credit and was told it would be on the statement when it was generated. I chose to close the account and have them refund the the {$450.00} annual fee. The statement came, no {$100.00} credit, so on XX/XX/2019 I again called Chase. I was told that offer was on the XXXX " XXXX '' card and I got the XXXX " XXXX '' card and that offer was a XXXX bonus miles offer. I seldom fly, why would I apply for that and not the {$100.00} statement credit. I would never have opened another credit card account just for bonus miles and a {$450.00} annual fee!!! When I asked why I received a " Club '' card rather than the " XXXX '' card I applied for, they blamed it on the XXXX website and that I would have to talk to them. Chase bank refused to do anything for me, just wanted to say it had nothing to do with them, it must be the XXXX website. I have never been so frustrated that a bank refused to stand behind what they offered.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a Bank of America credit card. The person selling the card advertised the card as a 0 % card that came with the bonus of a REFUND on all the interest I paid on a credit card. XXXX was the amount quoted. When I asked them what was their business model, they said it was a promotional offer. On the first billing cycle I was billed for XXXX and as a result I cancelled the card immediately. The dispute has been going on ever since. The transaction for the XXXX was initiated with an access check which I could not have written. The date on the check was XX/XX/2019 and cashed on XX/XX/2019. I have proven to BOA that I was in XXXX when this check was written. See attached documents to verify this. They still claim I am responsible for the XXXX. This is outrageous. I document the history of the correspondence I have had with BOA below.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both  XXXX  and Transunion. I was able to research a bit more using   XXXX     XXXX  and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XX/XX/XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch with  XXXX ,  Dept of Education,  and NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency.  XXXX  reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports  XXXX  as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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