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

This is CLIENTS NAME, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Product: Debt collection

They said it doesnt matter that debt was discharged they were still going to collect.
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. 

Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Request to Remove Unauthorized or Unverified Inquiries from My Credit Report Dear Experian, I am writing to dispute certain inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy and legitimacy of the information reported about me. Specifically, I am invoking the following statutes : 1. 15 U.S.C. 1681b ( 2 ) : This statute outlines permissible purposes for accessing a consumer 's credit report. An inquiry can only be made if there is proper authorization from the consumer.

2. 15 U.S.C. 1681 ( 9 ) : This Section ensures that the credit inquiries and information reported must have a clear and valid basis.

3. 15U.S.C. 1681c-2 : This provision allows for the blocking of inaccurate or fraudulent information resulting from identity theft. 

After reviewing my credit report, I found the following inquiries that I do not recognize and/or did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hereby request that Experian provide verification of the permissible purpose for each of these inquiries, including documented evidence of my consent. If you are unable to provide such evidence, I request the immediate deletion of these inquiries from my credit report as they are in violation of the above cited statues. 

In accordance with the FCRA, please complete this investigation within the legally required 30 day period and provide me with written confirmation of the results. If these inquiries are not addressed or removed, I will consider pursuing further action to protect my rights under federal law. 

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

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In 2016 I went to XXXX XXXXl, XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX FL XXXX. to get consultation for a XXXX, and on my second visit a XXXX was force on me landed me into a another XXXX  office because XXXX done turning my XXXX in XXXX and my XXXX XXXX, and my XXXX. I went back to XXXX and complain of the trouble I was having after the XXXX and they advised me to use another XXXX XXXX for XXXX XXXX and no other help was offer to me. I signed an application for a new XXXX, the only thing I receive was a force XXXX that land me in to three other XXXX  office. A charge to my XXXX Insurance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX-XXXX  On the application I receive through XXXX, it state my monthly, income is {$5000.00} that is also false. 
Now Omegia RMS, LLC XXXX and XXXX XXXX XXXX , XXXX has place my name on collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry and a declined letter for a credit card from Chase. Inquiry was on XX/XX/. The letter received showed my maiden name XXXX which I have not used in over 10 years. I recently filed for bankruptcy and have not applied for any credit accounts. I placed a fraud alert with XXXX and will place with the other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

my cell phone and wallet were stolen and they got into my email and passwords, for that I was locked out of email and telephone associate with this account, I reported it to company, all passwords were in my email and phone and because of theft, and unable to access personal information I was not able to follow up on account. company is. XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

This complaint is regards to late/missed payments reporting inaccurate on my consumer credit report.Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible acturacy of the information concerning the individual about whom the report relates. 

I have attached a screenshot shot of my credit report highlighting the errors and inaccuracies.
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint about late payments on my credit record. Upon reviewing my records, I discovered these late payments. I sent letters about this issue over 30 days ago, but I've received no response or satisfactory validation. I'm requesting your help to resolve this issue quickly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX has my student loans showing $ XXXX higher on their Equifax side. XXXX is correct. XXXX XXXX & Equifax is far from being correct! They refuse to fix it!! Ive been going through this for months! They keep blaming EACH Other. I have screenshots of all the chats where they refuse to help & blame a non existent creditor- that shutdown a decade ago and they blamed Each other everytime! I am on the verge of filing a lawsuit on XXXX XXXX XXXX Equifax! They are reporting XXXX accounts listed for XXXX. XXXX has all those accounts and have for quite a few years!! I have filed dispute after dispute, NOTHING, Ive called! NOTHING! XXXX has already told them that they are the ones who have all these accounts, and that they have duplicates listed! This has went on since XX/XX/2022! Today I called on my recent dispute & realized some worker or the system changed my address to a very old address?? EQUIFAX & XXXX XXXX  ARE LISTING VERY INACCURATE INFORMATION! What do I do- other than file a lawsuit??
Product: Debt collection

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Account Jefferson Capital XXXX XXXX {$3600.00} opened without my consent and knowledge on XX/XX/year>
Product: Money transfer, virtual currency, or money service

A friend sent money through CashApp to me and accidentally sent it to my old cashapp account. 
The money was sent on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried to receive access to my account numerous times and because I now have a new phone number and new phone as the account was linked to an older phone, they are refusing me access to my old account with no reasoning. 
Attached are screenshots from my friends experience with contacting them and mine.
Product: Credit reporting or other personal consumer reports

My credit report contains inaccurate information, which is not meeting the standards outlined in the Fair credit reporting Act. The current reporting fails to meet legal requirement and I'm requesting removal of these accounts. Under 15 USC 1681b, which governs permissible purposes for reporting consumer information. The accounts listed below appear to lack a lawful purpose for being included in my consumer report and therefore, must be removed to comply with federal law. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit bureau failed to verify information and provide me results of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX  XXXX Balance : {$880.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$9100.00} XXXX XXXXXXXX Balance : {$880.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MI XXXX XXXX  XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9100.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is TransUnions duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TransUnion is reporting two inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/2018 and one 60 day late payment dated XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. To add to this I did NOT give TransUnion written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that TransUnion has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX THIS ITEM REMAINS UNVERFIED. THIS ITEM IS IN CLEAR VIOLATION OF 609. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT SECTION 168I, YOUR COMPANY IS REQUIRED TO DEMAND THAT THEY DELETE THE ITEM.
Product: Credit card or prepaid card

Step 1 : What is this complaint about? 

XXXX XXXX Citi Bank Credit Card XXXX XXXX XXXX XXXX and {$120.00} in Fees no merchandize involved. 

Step 2 : What type of problem are you having? 

I closed the account in XX/XX/2018 because XXXX XXXX  doesnt offer electronic statements in real time. It seems they are retaliating against my decision over to close the account over their customer service issues. It feels like bulling and intimidation tactics to coerce me to pay nonsensical fees by continuing to access fees on fees. I would think a bank like Citi Bank would offer an interoperable website in real time to make credit card information accessible to end user. Rather it seems they are taking advantage of all whom may not be able to fight the haranguing and accessing fees. I paid my last statement in XXXX. XXXX XXXX is accessing fees on fees. It is very difficult to hold a conversation with the customer service team. I have paid for all items purchased. When I tried to explain the issues they weren't interested in hearing me out and they could not account for when or what item they accessed the {$120.00} fee over. In a state like CT I am almost certain, XXXX XXXX  Citi Bank, cant access Fees on Fees. No merchandize is involved. 

Step 3 : What happened? 

When I tried to explain the circumstance they dismissed by explanation. They are not real time or interoperable. They were just belligerent and unable to explain why they accessed what they accessed. This has been ongoing since XXXX XX/XX/2018. 

Step 4 : What company is this complaint about? 

XXXX XXXX  Citi Bank Credit Card XXXX XXXX XXXX XXXX Step 5 : Who are the people involved? 

XXXX XXXX Citi Bank Card Vs. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXX XXXX, GA and XXXX XXXX XXXX XXXX, GA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Equifax for XXXX XXXX which was paid because they garnished my check. The Equifax dispute came back with they would delete it. But they did not delete it. When I called them they wanted to start the dispute over instead of honoring what they said they would do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments XXXX XXXX XXXX  XXXX  accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Debt collection

Recently, I looked at a copy of my credit report an noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item that I'm asking you to verify as accurate : XXXX : ( Original Lender XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) ( account # XXXX reported ) XXXX : ( XXXX Original Lender Lvnv Funding Llc ) ( No Agency Name reported ) ( account # XXXX reported ) XXXX : ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( Agency name reported Lvnv Funding ) ( account # XXXX reported )
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender is incorrectly reporting that the account is Chapter XXXX dismissed and incorrectly reporting that the account is closed. We having been paying on this account for the past 4 years. The account was previously under a Chapter XXXX bankruptcy, however since mid 2017, we have been paying the account outright.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Credit Dispute for Account Reporting Violations Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report, specifically regarding the accounts listed below. As per the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information reported on my credit file is accurate, fair, and substantiated. In accordance with 15 USC 1666b, creditors are obligated to provide timely information as outlined in section 1637b, which they have failed to do so.

I am requesting proof that the required information was mailed or delivered 21 days before the payment due date, as mandated by law. Failure to provide such validation would render late payment reporting invalid, thus requiring the removal of these derogatory marks from my credit report. 

The accounts in question are : XXXX. XXXX XXXX  Account XXXX : XXXX XXXX. XXXX XXXX  Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX I request that you conduct a thorough investigation into these matters and provide me with documented proof of compliance with the aforementioned consumer protection laws. If such evidence can not be provided, I expect the inaccurate reporting to be promptly removed from my credit file. 

Please inform me of the steps taken to address this dispute and the resolution thereof. You may contact me at the provided phone number or email address to discuss any further information required to facilitate this process. 

Thank you for your attention to this matter. 

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

On XXXX XXXX, 2017 XXXX XXXX SUBMITTED A HARD INQUIRY ON MY CREDIT.