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

I need you to investigate the following account : XXXX XXXX XXXX Account : XXXX I was never late on the paid off account listed. I have late payment reporting in XX/XX/2023 and Im not sure how that is because I have always paid on time. Please show me documentation showing proof of the transaction showing I was ever late to support your inaccurate reporting on my credit report. I have encouraged family members and friends to join you all to reap the benefits of this great company. These late payments have affected me tremendously dropping my credit over XXXX point I have become XXXX  as I seem to never be going to be able to purchase a home. No one in my family owns a home and I want to break the generational curses. This is an INVALID late payment and I ask that those late payments be updated in the payment history to paid as agreed never late ( PAANL ). As the FCRA allow 30-days for this issue to be rectified This is also a violation of 15 USC 1681b ( a ) ( 2 ) ( Ai ) as I the consumer did not provide written instructions to release any information, and doesnt include any information solely as to transactions or experiences between the consumer and the person making the payment. This is also a violation of U.S. Code 6802 ( b ) Obligations with respect to disclosures of personal information meaning that a financial institution may not disclose to a third party unless the financial institution has provided the consumer a notice in which I have not received. Nor was I giving the option to op-out it was only the option to op-in I also understand that according to federal law 15 U.S. Code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally revoke my prior request dated XX/XX/XXXX, regarding the blocking and deletion of the XXXX XXXX account from my credit report. Upon further review, I have determined that the account in question is not fraudulent and does not meet the criteria for removal under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Details of the Account Previously Reported : Account Holder : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2100.00} Please reinstate the account to my credit file in its original state. I understand the importance of maintaining accurate information on my credit report and wish to ensure that my file reflects truthful and up-to-date data. 
If you require additional information to process this revocation, please do not hesitate to contact me at XXXX. 
Thank you for your attention to this matter. I look forward to your confirmation of the reinstatement of the account. 
Sincerely, XXXX XXXX XXXX XXXX XXXX CA XXXX
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. 

XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've asked before this is my 3rd dispute. Please remove all addresses EXCEPT XXXX XXXX XXXX XXXX OH XXXX & XXXX XXXX XXXX # XXXX XXXX OH XXXX from XXXX and XXXX and Equifax credit reports. I have asked this several times. Also please send me an updated copy of the report with the new information on it. 

This is also my 3rd dispute on this issue ... .since the Equifax data breach my information has been exposed I have asked that Equifax , XXXX and XXXX  remove all inquiries that are not directly related to an account. I 've already contacted these companies on numerous occassions. Not sure what else to do not gon na keep calling. 

Equifax please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX please remove the following inquiries ... .see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on there twice ) remove one at least
Product: Credit reporting or other personal consumer reports

On 1 of 2 of the Charge Offs the account has repeatedly been updated as charge - off every month. This is an update on the payment history. This inaccurate information falsely manipulates the statutes of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase at Best Buy ( XXXX, Tx ) for {$6000.00}. I opened the CitiBank/Best Buy credit card at the store. I did so with the intention of saving 10 % on the purchase. You get 5 % rewards and then an additional 5 % if you made a purchase within 15 days of card opening. I inquired about my rewards balance by calling the credit card # and they forwarded me to some rewards department. The rep at the office said I opted for the promotional no interest offer and there was nothing that could be done. I did not opt for any no interest offer. I did not submit the application on my own, it was submitted by a rep at the XXXX, Tx location. I chose " No '' for everything that appeared on the screen on my end. I paid my full balance within a week and do not care for this offer. I just want my rewards balance reflected in my account. Also, my credit score went down XXXX points because of this offer. Not sure if they turned it into a loan or what? Never opening a new card again after this terrible experience. 

I believe Best Buy/Citibank voluntarily put customers into the promotional no interest offer to avoid paying the rewards offer. I would not be surprised if hundreds of other customer fell into this trap as well. Best Buy/Citibank need to do right by me and correct their mistake.
Product: Debt collection

A representative from General Revenue Corporation contacted my employer on XX/XX/2022 at XXXX XXXX  and demanded the front desk provided them with my full contact information and verification that I worked for my employer. When the front desk worker refused to acknowledge any information until the caller provided their name and reason for the call, the debt collector, according to the front desk worker, began to become " hostile '' and " uncomfortably persistent ''.
Product: Credit reporting or other personal consumer reports

I tried to contact Bridgecrest twice. Both times they would not talk to me because my social security does match what they have. This is not my agreed loan.
Product: Debt collection

On XXXX XXXX, I received a letter from Blitt & Gaines regarding a debt. The debt was in the amount of {$14000.00} and from XXXX XXXX. I have no idea what this debt is, so I responded to the letter with a certified letter asking for the amount and age of the original debt, the name of the original debtor, a copy of the last billing statement sent from the original creditor, if there were any payments made on the debt, and any interest, fees etc on the debt. They followed up with a letter stating the name of the original creditor was XXXX XXXX XXXX, and a different amount of {$14000.00} owed, an assignment of the bill of sale of the debt from XXXX to XXXX XXXX dated XXXX XXXX, XXXX, and a copy of a court document dated XXXX/XXXX/XXXX stating that the default amount of the debt from XXXX was {$9500.00}. I do not know the dates of the original debt, I was never notified of this court hearing and I am under the impression that this debt was paid in full to XXXX. I do n't remember having ANY contact with XXXX XXXX. I am still unclear what the {$5400.00} difference is in the amount owed and the current amount and I do n't feel I have a clear understanding where this debt came from and when the original debt supposedly went into default. I think this debt is beyond the statute of limitations in Illinois and is time-barred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian about the wrong Social Social Security number on my report. They are reporting. My SS Number is not what they are reporting. Also I asked on the phone and online. That they remove old names. I legally changed my name in 2006. After being Married. They are reporting names I never used ever. My name before being married was as follows. XXXX XXXX XXXX. They have on the report XXXX XXXX XXXX. XXXX XXXX. which is not even a correct name. Old address as well. I asked on the phone with Experian to correct all personal info. They also are never report accurate information with my score. Which I repeatedly asked for to be corrected. And if I could get my score to begin with. Which I never did, I had to buy it myself. They have never reported my information correctly. Nor have they corrected after I ask.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reportina agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

I paid off {$1500.00} settlement offer for finwise account for original balance was {$4600.00} on XX/XX/XXXX. Account is showing open on experian credit report. {$88.00} XXXX XXXX XXXX is still showing due on my credit report as delinquent. This amount was discharged in XXXX  XXXX bankruptcy in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed unauthorized inquiries on credit report on  XXXX / XXXX /   2017  and  XXXX / XXXX / 2017 . The inquiries were not removed, nor did I receive a written response within the required 30 day time frame required by law. Many of the inquiries are duplicate inquiries.       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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and I believe the following information Is not reporting accurately. Please investigate and verify the following information. I do not recognize the account names and account numbers in the credit report and I am very distressed that I have inaccurate accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSWORLD SYSTEMS INC contacted me trying to collect debt on the behalf of a XXXX XXXX account. 
Upon, further research, this account was transferred/sold and I am no longer responsible for the account. 
Also, Ive sent out a letter to TRANSWORLD SYSTEMS INC on XX/XX/2020 with the address listed on their website at XXXX : XXXX and the address is expired and Im unable to contact them by mail. They made an attempt to call me to try to collect payment & mentioned that this call is recorded and not to validate your debt if they can not validate it. So why is this company asking for payment? 
I informed them that I prefer you not to communicate by phone and I prefer to communicate by mail and she told me they do not accept mail and will reach out to the original creditor and tell them I refuse to pay the debt. How can they not accept mail but have a P.O BOX address on their website claiming it's their address? I did not say anything about refusing to pay the debt or even admitting to this being my debt as they cant validate it because they don't have a proper structure way of receiving mail. All I said was I prefer to communicate by mail, so they are falsely accusing me as well. 
If they are a legit company, they need to validate the debt because their address listed on their website is invalid and I can not contact them by mail. 
Is this company seriously calling people trying to collect payment without any proof of this debt without being validated? 
According to the FCRA, TRANSWORLD SYSTEMS INC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made repeated reports to the credit reporting agencies to remove erroneous data all agencies refuse to provide assistance
Product: Debt collection

These people purposely gave the sheriff an address I haven't lived in since XX/XX/XXXX. I was never served nor did I know they were handling this account. I have been disputing it with XXXX I am 100 % sure they have my current address on file. We have mailed each other back and forth with my current address. They should have had my current address from XXXX when my file was transferred to them. This company was neglectful and denied me my legal rights as an American to defend myself from a lawsuit. 

They claim the account was originally opened with XXXX XXXX XXXX in XX/XX/XXXX. I have been living in my current address at that time. Wouldn't my current address be on the credit card application? 

I called them twice today. She asked for my info but I decided to give her my last 4 and phone number being that I didn't trust them. I wanted to know the address the supposedly served me at. Then they agent told me that's the address they have on file. I called them again for the second time after I called the court to inquire about filing a motion. I reached the same agent again. I asked to speak to the assistant attorney as advised by the court clerk I spoke to. The agent denied my request. She said the attorney doesn't talk to clients unless at court. She said she can give me the information I needed to know. She then admitted that they also have my current address on file. I asked her why woukd they give the sheriff an address that I don't even live in and she answered " that's the address you must have used when you opened the account ''. 
I asked her how is that possible if I haven't lived there since XX/XX/XXXX? If account was opened in XX/XX/XXXXit would be under my current address. I proceeded to ask her how they got my old address and she said " we don't have to tell you that, that's privilege information ''. 

One moment they claim I owe {$710.00} ( on report ) The next they claim I owe {$820.00} ( credit report ) Then it claimed I owe {$830.00} ( credit report ) Today they said I owe {$830.00}. ( Credit report ) I will be filing for a motion as well as countersue, but also needed to file a complain to shed light on their shady business practices. It got so heated that I couldn't even finish asking my question because of the agent repeatedly speaking over me.
Product: Debt collection

2 personal loans with West Creek Financial XXXX XXXX  ) were made with my information a few months ago. I did not know they existed until XXXX XXXX reported that my credit score tanked XXXX points because there were late payments to these loans. I do not claim these loans to be mine. I have contacted the financial institute and they were unable to cancel the loan. The name, number, and email tied to this loan do not match the information that XXXX has in the database. I have a piece of mail that was sent to me that shows inaccurate personal identifying information on this XXXX  account, therefore giving me the information to get through a customer representative finally after calling 2 times because they have no accounts under my real information, except this false information. ( wrong name, number, etc ) 1st loan amount : currently {$4000.00} 2nd loan amount : currently {$1000.00} Again, these loans were fraudulently made and do not match my information with the XXXX database ( name, number, email ) I do not claim these loans to be mine
Product: Credit card

My husband and I have a joint credit card issued by Chase. Over the past several years the card numbers have been repeatedly stolen by thieves who have access to Chase 's data. The numbers are then used to make fake credit cards to purchase things all over the world. We were told this by Chase customer service representatives. Over at most XXXX years this has occurred on eight separate occasions, most recently XX/XX/XXXX. Each time Chase blocks our account ( because of " suspicious activity '' ) and we find out only when a credit card charge is declined which is quite embarrassing. This then requires us to call Chase, go through a lengthy phone interview and identity verification, receive a new card, update all online bank payment information, etc. 
Finally, after the XXXX time, I wrote Chase requesting compensation for this because it is clearly a result of Chase 's lax security - no other bank 's credit cards ever are blocked in my experience. A letter dated XXXX XXXX was sent to Chase regarding this request ( attachment ) but other than several phone calls promising a substantive response and an email from a XXXX XXXX, no substantive response has been. I have made several calls to XXXX XXXX and sent him an email saying that no response has been received. As of today, XXXX XXXX, nothing further is apparently forthcoming.
Product: Credit reporting, credit repair services, or other personal consumer reports

According 15 USC 1681b ( a ) ( 2 ) I did not give this company any written instruction to check my report. Please send me proof with my written permission with my signature stating that I gave you permission to obtain my consumer report/credit file. company name : XXXX/ Dates : XX/XX/XXXX and XX/XX/XXXX. 

Remove immediately, this is in violation of the FCRA
Product: Credit reporting or other personal consumer reports

The below inquiries are fraudulent inquiries. Please remove and or delete. 

XXXX XXXX Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX SER Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Dealers XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX