23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payments listed that were paid on time. Consumer agencies need to report all information with maximum accuracy. This account has not be late on payments. I have attached a copy of my report to this compliant on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. There is various inconsistencies and inaccuracies circled on the XXXX year payment history portion of the report. 
I am not requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Product: Debt collection

I was recently informed earlier this month by a credit monitoring service that Global Asset Agency reported a collection account on my credit report ( copy is attached ). I have never heard of this organization nor have I ever received any correspondence from this organization in any manner whatsoever. 

By law, no organization can just arbitrarily report a collection account on anyones credit report unless they have legal standing to do so and have substantiated their legal standing in writing with appropriate documentation as to what their legal standing is. That is certainly not the case with this organization whom I have never received any correspondence from. 

I just sent a letter to this company ( attached ) to remove this collection item immediately from my credit report or I will pursue all legal remedies available to me allowed by law. This could have a significant impact on some financing I am currently pursuing and their illegal actions may cause me considerable financial harm. 

I have asked that they provide all appropriate documentation substantiating their legal standing in any account that I may have a financial obligation. By law, they must provide this documentation before they can proceed with any collection efforts and certainly before they can legally report a collection account. 

Until such time that said the appropriate documentation can be provided ( and I also have the legal right to review and dispute the documentation ), their reporting of my account as a collection account is a violation of the law. 

In the event this collection item is not immediately deleted by this company from my credit report, I will also report their illegal actions to the Attorney General of their state.
Product: Credit card

JPM Chase offered XXXX miles to referred parties that applied for a credit card using an email link. I referred my 2 adult kids and they spent the required amounts. Chase then bait and switched and only provided XXXX miles. Branch employee verbally told me it would be corrected on the XX/XX/XXXX points/mileage cycle ( per his internal communication with XXXX employee XXXX XXXX ) but it was not. They refused to connect me with their legal team or an executive decision maker. Call was routed to the XXXX with no follow up offered or available. Clear bait and switch as the email contained no conditions other than the required spend.
Product: Credit reporting

Experian continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Experian is in violation of this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated XXXX XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute.

They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges XXXX, except that the amount required to be forfeited under this subsection may not exceed {$50.00} The Credit bureaus XXXX XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions. 
They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute.

They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}
Product: Credit reporting or other personal consumer reports

I've sent multiple letters to the credit bureaus and XXXX XXXX XXXX about a credit card that was fraudulently opened under my name while I was a XXXX XXXX XXXX XXXX that is STILL on my credit report since I discovered this issue in XXXX. The fraudulent party 's total fraud has amounted to {$15000.00} and has caused significant challenges when buying a car, renting an apartment, etc. 

Per a phone call with XXXX 's fraud department, it was confirmed that my dad fraudulently opened this account in XXXX using my social security to extend credit. Please note my birth year is XXXX meaning not only did XXXX fraudulently extend credit, but also extended this credit to a minor. As noted earlier, I never signed documents nor had knowledge of this activity at the time. I did not authorize this card or have any legitimate way to obtain credit as I was still in high school with no verifiable source of income. 

The credit bureau 's have claimed that XXXX verified all of the information they are reporting as correct when XXXX is well aware of this fraud through multiple complaints and identity theft reports. I have lost some of the records due to loss of files on my XXXX XXXX over the years but I've attached everything I do have.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 

Unlawfully reporting accounts in question : XXXX XXXX XXXX : XXXX : {$610.00} XXXX & XXXX XXXX XXXX : {$360.00}
Product: Credit reporting or other personal consumer reports

Failure to provide documentation : Requesting Verification of Information and Evidence of Permissible Purpose Pursuant to 15 USC 1681b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I cant express how frustrating it is to have these unauthorized accounts on my credit report, knowing theyre unfairly dragging down my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SEND A LETTER TO EACH CREDIT BUREAU BY XXXX ON XX/XX/2022. THE TRACKING NUMBERS ARE AS FOLLOW ; XXXX # XXXX, XXXX # XXXX AND EQUIFAX # XXXX. I GIVE CLEAR INSTRUCTIONS TO REMOVE INFORMATIONS I DONT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802. NO FINANCIAL INSTITUTION SUPPOSE TO SHARE MY INFORMATION TO A THIRD PARTY PEOPLE. 
THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.
Product: Vehicle loan or lease

I have a Wells Fargo auto loan that Ive had since XX/XX/XXXX I contacted them today cause I notice they have been charging and tacking on XXXX dollars and some change every month to my car loan payment I spoke to representative asking why are they charging a late fee for XX/XX/XXXX if the date hasnt even got here and they are already charging me fees. Its no telling how many times they have done this in the past and I am just now noticing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says XXXX, Experian, and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Experian, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Experian, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Consumer Loan

Horrible experience. Car repossessed after one late payment. They tacked extra fees, required payment in one weekweek which was impossible and I had to pay {$75.00} to get my personal belongings that were still the car. I 've been a customer for almost two yrs
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion File # XXXX Date XX/XX/18 TransUnion has on my credit file Cash Advance Inquiries from cash advance companies in which I have not applied for or owe. TransUnion has yet to provide any proof of any document of any kind of me applying for a cash advance loan. TransUnion has committed fraud or sold my information with out my permission. TransUnion has not provided any proof of no kind and committing fraud under my name for cash advance loans inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response XXXX XX/XX/22 that someone is using my information and sent a complaint on my behalf. I want to confirm that I, XXXX XXXX XXXX, was the one who sent the complaint and there was no third party involved. Again, I want to dispute this erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax is required to update any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and I am including it again. 


XXXX XXXX XXXX XXXX Balance-
Product: Credit reporting or other personal consumer reports

Notice to OPT OUT I have sent CHRYSLER CAPITAL a letter stating I want to OPT OUT from having my non public personal information disclosed to ANY third party companies. I understand that under 15 USC 6803 ( GLBA ) Act that it is my right to opt out of the sharing of my nonpublic personal information with non-affiliated third parties. 
Financial institutions must provide consumers with a clear and easy way to exercise this opt-out choice.
Product: Credit card or prepaid card

On XXXX XXXX a XXXX provider charged my care credit card for services that were not recived. I filed a dispute two times. Care credit sided with the merchant even after having proof the provider was make false charges to my credit. Now I am being forced by the credit company to pay for illegal charges made by the XXXX  provider. Ruining my credit even with all the proof that no of the services were ever received.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct the inaccurate items information as quickly as possible.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights and all inquiries needs to be removed immediately : Inquiries : XXXX XXXX XXXX ( Finance ). XX/XX/2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX ( Home shopping ) XXXX XXXX XXXX XXXX : XX/XX/2023 XXXX XXXX : XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/202XXXX XXXX  XXXX ( Bank ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX Best Buy closed my credit card account. I never missed a payment and my bill was paid in full. 
XX/XX/XXXX XXXX XXXX closed my account after reducing my credit limit a few months prior. I never missed a payment and my account balanced was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax on multiple dates asking for them to verify accounts on my credit. I specifically ask them to send me the proof of the information being verified, such as the company contact they verified the information with but they have not sent me this information. They only pretend to investigate and say updated. By law they have to provide me with any information on how they verified an account and they also have to provide this within a certain time frame and they have done neither. I have attempted to resolve this matter with them via mail but they do not respond. By law, if they can not furnish the proof of verification these account must be deleted from my reports which Is what should be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a " hard '' credit inquiry listed on my credit bureau credit reports that is too old and needs to be deleted. 

It is fromXX/XX/2016 and the name of the company is Chase Bank. 

This credit card inquiry is hurting my credit score and should be removed.
Product: Credit card

On XX/XX/2024 at XXXX I called to inquire about a dispute for {$18.00} from XXXX XXXX I just had gotten a letter that my dispute had been closed letter dated XX/XX/2024. But on XX/XX/2024 I had also received a letter telling me that my dispute was in progress and that I had until XX/XX/2024 to submit any evidence but my timeline was cut short on XX/XX/2024 and my dispute was closed. I did not have a chance to submit any evidence to support my claim. Additionally the reasoning on the closed dispute letter was erroneous. It stated that you could not confirm that i had received something different in the mail. I don't know what you mean. It should be sufficient for me to say wrong item was sent and not have to prove this to a rep. The point for the dispute was misleading and the actual reasoning why I could not return it was that XXXX did not provide a return label. So here I can see 2 mistakes being made by reps. One is that dispute was closed early and second the wrong reason was given to close the dispute. I want this dispute reopened and credited to my account. This was not my mistake but reps not handling disputes the right way and following proper procedure. Also on XX/XX/2024 I talked to XXXX from XXXX ID # XXXX at XXXX and she was not professional and not helpful handling my inquiry and acting as if she did not care about her job.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit card or prepaid card

XXXX BANK OF AMERICA {$100.00} deposit, {$25.00} {$25.00} {$50.00} XXXX XXXX XXXX XXXX Lost deposit {$180.00} {$100.00} {$75.00} {$60.00} {$40.00} {$50.00} {$120.00} {$80.00} {$70.00} {$170.00} XXXX XXXX XXXX Account number XXXX Routing number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social security XXXX XXXX Submit Complaint Top Right
Product: Credit reporting or other personal consumer reports

I am writing in response to the verified no change letter I received regarding the charge-off account on my credit report. 
XXXX Account XXXX : XXXX Reason : Account is showing a balance with a charge off as it's closed. please delete Instruction : Please delete due to a violation of 15 US Code 1681a ( 4 ) XXXX  Account Number : XXXX Reason : Account is showing a balance with a charge off as it's closed. please delete Instruction : Please delete due to a violation of 15 US Code 1681a ( 4 ) XXXX  Account Number : XXXX Reason : Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information Instruction : Please delete due to a violation of 15 US Code 1681a ( 4 )
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible. 

Please confirm receipt of this request and provide an update on the status of the deletions at your earliest convenience.