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

I already have a XXXX XXXX XXXX XXXX credit card. On XXXX XXXX, i asked for a higher credit limit and they approved me within 5 seconds. I applied for another XXXX XXXX XXXX XXXX credit card the same day, I was approved with in 5 seconds. This credit card was NEVER used with none of the credit reporting agencies of a hard or soft pull. XXXX XXXX approved me with my excellence of paying on time and never had NO late payments. Since i received my new XXXX XXXX XXXX card, XXXX  and XXXX  RAISED my fico credit score points. But with Experian, they lower my fico score by -21 points. XXXX  and XXXX  rewarded me by having another credit card with much higher credit balances cause I paid all my credit cards ON TIME, never late and never maxed out my credit cards to their high credit limit. With Experian, they condemned me for having another credit card, ( I only have 3 ) with much higher credit limits. When Experian did my XXXX monthly credit updates, They lower my fico score -21 points and my XXXX credit utilization is at 0.009 % or 1 %, which is well below Experian demand for a good credit utilization rate of 6 %. 
I never have any late payments, or high credit balances or I would NOT have ever received a new XXXX XXXX card. 
SOOOO, WHY did Experian penalized me by lowering my fico score by -21 when XXXX  and XXXX  RAISED my fico credit score?????????? 
My XXXX credit utilization rate of 0.009 % or 1 % to round it off, is really an excellent credit utilization rate. 
I`M wondering if they meant to raise my fico score by 21 points and made a huge mistake by lowering it. 
I WONDERING HOW MANY OTHER INNOCENT PEOPLE EXPERIAN HAVE MADE HUGE MISTAKES.
Product: Mortgage

Wells Fargo mortgaged my home from XX/XX/XXXX-XX/XX/XXXX. Lowered my monthly payments without my permission. Refused to work with me when I had a buyer for the home. Ended up in foreclosure and lost home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to the all credit bureaus XXXX, XXXX, Equifax regarding the following accounts. 
- XXXX XXXX  - this is not my account- {$3100.00} - XXXX XXXX XXXX  - this is not my account- {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX : XXXX Phone number : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I have found accounts that I did not open, authorize, or use
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  Account Number : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( I learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding account number : XXXX GM Financial is currently reporting to XXXX, XXXX, and XXXX as Charge off. 
I called GM Financial on XX/XX/XXXX at XXXX at XXXX I spoke with a representative by the name of XXXX XXXX IDENTIFICATION NUMBER : XXXX ) to confirm the charge off status. The rep indeed confirmed that the account was in a charge off status. 
I am aware that Pursuant to 7 CFR 1956.54 the definition of a charge off is the writing off of a debt and the termination of collection activities without release of personal liability. 
According to this definition once a debt is deemed charged off then it must be written off with the IRS using form 1099C Once a debt is deemed charged off, then a copy of that filed 1099c must be sent to the consumer no later than XX/XX/XXXX of the following year. 
This account was officially charged off XXXX of XXXX therefore a copy of the 1099c that shouldve been filed with the IRS should have been sent to me, the consumer by XX/XX/XXXX. 
The rep XXXX confirmed no 1099c was ever sent to me, the consumer. 
If no 1099C was filed and no proof of the filed 1099c was sent to me, the consumer, then the reporting status of charge off is false and misleading representation and a violation of 15 USC 1692e.
Product: Credit reporting or other personal consumer reports

The information that is currently in the credit bureaus is totally different, I need to change my personal information in the credit bureaus ( Equifax ) for the new personal information that I am going to provide.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX the balance was paid off in full but their website shows I owe but {$0.00} and says if I dont settle {$0.00} its going to report me to credit bureau . Id like to close my account because the balance is XXXX but they wont let me because the glitch on the app that says I owe {$0.00}
Product: Payday loan, title loan, or personal loan

I have been paying on a loan that was originally for {$8000.00} at {$820.00} a month for almost 3 years now and my balance is no closer than the first day from being paid off. I would like to find out my rights and have the interest rates looked at after reading that title max has been practicing illegal interest rate practices. They keep charging me insane late fees and threatening to repo my vehicle
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXXXXXX XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXXXXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX ( XXXX ) Account number : XXXX : Balance : {$950.00} -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX ( XXXX ) Account number : XXXX : Balance : {$800.00} -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX XXXX, XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX  XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report
Product: Credit card

I did phone calls with American Express but do not recall specific dates. I felt like I was brushed off each time I asked wuestions or voiced my concerns ... especially when I requested for a review of my accounts. Please note that I was previously a victim of identity theft/fradulent behaviour in which someone illegally accessed my accounts and messed with what payment information I had on file/ tried to redirect/withdraw money ( from bank accounts ). This has happened to me also with my XXXX XXXX XXXX account, XXXX XXXX account, XXXX account, etc. They even possibly limited my XXXX and/or XXXX credit card line amount ( s ). I also believe that my credit scores were tampered with for all 3 agencies.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, you advised me that all negative accounts I was disputing had been updated and verified and you were not removing these accounts from my credit profile. However, this was done without proper verification as required by law. You have failed to address this matter promptly and accurately as required by law and will leave me with no choice but to pursue legal action and file a complaint with other relevant authorities. I have documented dates of my certified letters sent via mail, all my CFPB complaints and Equifax letters sent via mail from your company refusing to delete accounts and I also have names of Equifax representatives I spoke with on several dates saying accounts were to be deleted in four business days according to 15 USC 1681c-2 ( a ). The same accounts being disputed have been removed from XXXX report completely, so per Consumer law 15 U.S. Code 1681i ( 5 ) requires the removal of inaccurate information, also Equifax is violating 15 U.S. Code 1681 e ( b ), which is Failure to Maintain Maximum Possible Accuracy, Credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of inaccurate accounts on my report directly contravenes this mandate. I submitted a CFPB Complaint on XX/XX/year> Complaint ID XXXX ( open ), and another complaint on XX/XX/year> Complaint ID XXXX ( open ). This shows Equifax refusal to investigate and respond with factual information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is inaccurately reporting derogatory status to the credit bureaus. On my XXXX and XXXX XXXX reports they are reporting 30 day late payments on XX/XX/16, XX/XX/16 and XX/XX/16. To XXXX  they are only reporting 30 days late on XX/XX/16. Pursuant to FCRA 623 ( a ) ( 8 ) ( D ), a creditor is to accurately report to all 3 credit bureaus. Capital One has failed to do so
Product: Checking or savings account

I tried connecting to a company that needs access to my pnc account. It's not allowing access.
Product: Checking or savings account

I was a banking customer with Wells Fargo bank and got charged many overdraft fees, and NSF fees, tried to get my money back and Wells Fargo denied me.
Product: Credit reporting or other personal consumer reports

This letter serves as a second and final notice regarding your continued reporting of an alleged debt from XXXX XXXX XXXX to the credit reporting agencies. Despite my initial request for validation under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), you have failed to provide legally sufficient documentation proving the validity and ownership of this debt. 
Your response, received through the Consumer Financial Protection Bureau ( CFPB ), failed to address my request for proper validation. You merely restated account details without furnishing the required documentation. Your response is legally inadequate and does not satisfy the standard for debt validation under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account that was opened fraudulently. I believe XXXX is corruptly holding me accountable for an account that I have not ever opened. Experian has the identity theft report and they have not removed the account. XXXX is a fraudulent account that I did not authorize
Product: Debt collection

Hi, My name is XXXX XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is in XXXX XXXX . I am writing this complaint because XXXX XXXX, has violated several consumer protection laws. I, XXXX XXXX XXXX, Consumer, am hereby placing XXXX XXXX, on a Cease and Desist Order. XXXX XXXX, is not allowed to transfer the title of the XXXX XXXX to any other person or entity. XXXX XXXX, is not able to close the credit account of XXXX XXXX XXXX, Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized loan Service is reporting a late payment on my credit file on XX/XX/XXXX. Due to unforeseen circumstances surrounding the pandemic of COVID19 & the lack of hours provided by my employer, I was severely financially impacted. I have had this account since XXXX and I have NEVER been late. Unfortunately, this pandemic was unforeseen by this country and it's pretty sad that after such a long time in good standing and making my payments on time you would report a late payment caused by natural disaster. I plea with you as a one time courtesy to remove this late off my credit file.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the information on my credit report is in accurate among all three bureaus and has so many inconsistencies. I sent a letter to all three credit bureaus asking to validate the debt on my report and they responded with the account being validated and verified.

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. 

FIG TECH INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX a federally protected consumer, holder in due course, attorney in fact. On XX/XX/. An unknown employee of XXXX XXXX has been reporting negative information onto my consumer report. The negative report says " XXXX XXXX has flagged your account as charged off as bad debt with XXXX. Which may negatively impact your credit score based on Transunion data '' Please be advised. I am aware This is EXTORION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I paid off a Negative XXXX debit with a collection agency XXXX XXXX. It has been closed and listed as paid through XXXX and XXXX. The issue is that Experian still shows it as a negative account which has caused issues with me purchasing a home. 
I have submited documentation though their dispute center once via their web site and a 2nd time via mail. Each time I have submitted the documentation the account doesnt get corrected in their system I would like my XXXX account to be corrected and not show as negative on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00}, XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$5000.00}, XXXX XXXX Date XXXX : XX/XX/2019 Balance : {$7900.00}, and XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$7600.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

NOTE : I am no liable for this account since my information was used by a family member, XXXX has sent me a " Lease agreement '' with date of transaction, with my " electronic '' signature not it. No hand written signature provided which does not prove I signed that lease. 

I have sent multiple letters to XXXX, XXXX, and XXXX in regards to this debt. I have asked them multiple times to " Verify '' this debt. The first time they have removed it. I believe a couple weeks later they have added the debt back on to my credit report, then removed then added, which has significantly damaged my credit score after hard work of building it. XXXX  has done this multiple times which resulted in decreasing my score significantly. I have sent them a re-insertion letter, explaining that if they had already removed a collections account that is still " Unverified '' that it should stay removed under FCRA! I am currently in the process of getting this account removed from my credit report since, 1. I am not liable for it. 
2. it is stopping me from establishing good credit. 

I have also contacted via letters the creditor directly so they can also verify this account. 

Debt is listed on all 3 of my credit reports under : XXXX XXXX XXXX - Amount is {$820.00} Original Creditor XXXX XXXX XXXX