23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I paid the fraudulent Elan Financial Services credit card account balance of {$2800.00} in full on XXXX/XXXX/2016, but the credit card account is still showing on my credit report unpaid. I have attached a bank statement for proof of payment to this complaint.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , XXXX and Experian, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A UTILITY BILL account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ) opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Account number ( XXXX ) Opened on XX/XX/XXXX, XXXX XXXX XXXX Account number ( XXXX ) Opened on XX/XX/XXXX and XXXX XXXX Account number ( XXXX ) Opened on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I just noticed a hard credit inquiry from Chase Bank on XXXX XXXX XXXX There was no direct benefit or authorization for Chase Bank to access my personal information.
Product: Debt collection

To Whom It May Concern : I am sending this letter to you in response to a notice I received from you.

Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request that your office provide me with the competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe.

Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statue of Limitations has not expired on this account.

Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent Original Purchase Agreement
Product: Credit reporting or other personal consumer reports

I sent a letter out to XXXX, Equifax and XXXX on XXXX XXXX However its been more than 30 days and they havent sent me the investgation According to the law 15 usc 1681 they should conduct a investgation to see if its accurate or inaccurate withun 30 days or the account should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX APT XXXX XXXX, XXXX XXXX XXXX WAY XXXX, CA XXXX NOT PROVIDED XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX RESIDENT XXXX XXXX XX/XX/XXXX Chapter XXXX Bankruptcy Reference # XXXX Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX continue to report information on my credit report, stating that a credit card was opened XX/XX/XXXX with USAA Federal Savings Bank. This was investigated by XXXX and deleted off the account. I have sent copies to each credit bureau of the deletion yet they still refuse to remove it. 

Also, XXXX ( opened XX/XX/XXXX ) is reporting on XXXX. I have sent three letters, one of  which showed proof that this account was removed from XXXX and XXXX, yet XXXX   continue to report this on my report. 

XXXX XXXX is reporting about an account which is showing an opened date ( XX/XX/XXXX ) how is this possible. I never received any bill stating anything of a hospital bill of {$110.00}. I don't know anything about this account. 

There is proof that USAA and XXXX have been investigated and deleted from other bureaus yet they are still reporting on at least one of the bureaus. According to the Fair Credit Reporting Act Law, this is a violation with the reporting bureaus of non-compliance of which I've sent three or more letters asking for proof of these accounts. Asking them to provide the original documents with my signature. This is damaging my credit report and I am thinking about seeking justice for any inaccuracies that are being reported on my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Checking or savings account

In XXXX XXXX, I reached out to Bank of America to inform them that both my vehicle and purse were stolen between XXXX that same day. Although my debit card had been placed on a lock the night prior at XXXX via the Bank of America XXXX XXXX ( with email confirmation ), the suspects were still able to use my card to make XXXX different transactions at XXXX different stores causing my account to go into negative. When speaking to the representative, they hadnt flagged anything until I made the initial call. They opened a claim saying that it needed to be researched and processed. Next day, XX/XX/2022, called again to give them the police report number and the name of the police department, the rep added the information to the notes. Called again Tuesday because account is still in negative, rep stated claim was still being reviewed although they have all this information all while XXXX dealing with my vehicle being stolen along with all my personal information. It is not Thursday, XX/XX/2022 and my account is still in negative and the claim is still being researched although this shouldnt have never happened in the first place when my bank card was locked using their mobile application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an unknown call asking if i wanted to continue with my application for a loan refinancing. I told the caller that i did not make the application and that i was in the process of buying a home. he said he understood. I asked could my name be removed from what ever application or database he may have had. He agreed and the next day multiple inquiries showed on my credit report for an auto loan refinancing which i did not give authorization for.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I have noticed some inaccurate and fraudulent accounts on my credit report that I did not benefit from. According to 15 USC 1681 ( e ) B, this is a law for accuracy that the credit reporting agencies MUST verify in order to report any accounts to my credit. All information sold to the debt collectors and chargeoff accounts which appear on my credit, are indeed fraudulent and did not have my consent to have my information. My car loan was originally opened for $ XXXX, and accrued to $ XXXX when I was affected by XXXX. It has not been fully repossessed, as the GAP insurance company still has not even paid the loan company the amount of my GAP insurance. Also, I never authorized for a first financial credit line account to be opened in my name. I need these fraudulent, inaccurate accounts removed immediately. 
I will provide my identity theft report, my proof of address, my driver 's license ID, and proof that I was impacted by XXXX, which was after the time of when I got the car and fell behind on payments. My balance should not be $ XXXX, and when I called today, they stated I owed up to $ XXXX which would not be accurate either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a investigation report after my dispute in regards to an account  XXXX . it indicated the account  XXXX  was deleted ; however when I viewed an full updated copy of my credit file  XXXX  account number  XXXX  was not deleted. I am asking for the account to please be immediately deleted from my credit file.
Product: Debt collection

Good morning. 

Background : ProCollect, out of XXXX, XXXX XXXX  XXXX ), is the collection agent for XXXX XXXX XXXX XXXXXXXX ( XXXX ), an apartment complex we rented from the Summer of XXXX to the Summer of XXXX. 

XXXX Acct # : XXXX XXXX XXXX XXXX Unit Rented was XXXX We received a correspondence dated XX/XX/XXXX from ProCollect, in which they attached a statement of account from a client XXXX XXXX XXXX XXXX XXXX XXXX  claiming an attempt to collect a debt. There is no debt. They have only provided us with a statement of account from XXXX XXXX XXXX XXXX That is NOT an invoice that would require XXXX XXXX XXXX XXXX to show the actual damages they are back-billing to us. In fact, XXXX XXXX XXXX XXXX has NEVER provided us with an invoice showing proof of damage or itemized costs for damages ( pictures, description, etc ). 

As such, we are assuming this debt is either a mistake or fraudulent. 

We have documented over XXXX calls to XXXX XXXX XXXX XXXX  in an attempt to get a true copy of an itemized bill for damages, which would include pictures and descriptions as well as costs. We have NEVER received a returned call despite having left over XXXX email and telephone recorded messages. We ALREADY paid them {$300.00} for XXXX XXXX XXXX XXXX  damages on XX/XX/XXXX. 

Now ProCollect is harassing us over this debt, which they can not substantiate. 

We previously wrote ProCollect the following : I am writing in response to your repeated attempts to collect a debt for me, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, occupied from XX/XX/XXXX to XX/XX/XXXX. This debt has already been paid, as evidenced by the attached proof of payment ( receipt, bank statement, etc. ). 

Under the Fair Debt Collection Practices Act, I am requesting that you cease all collection activities regarding this matter immediately. 

If you believe there is still a balance due, I request that you provide written validation of the debt, including the original creditor, the amount owed, and a detailed breakdown of any remaining charges. 

Please be advised that if these harassing attempts continue, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau, my states Attorney General, and other relevant authorities. 

Thank you for your prompt attention to this matter. ''
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account number : # XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, WA XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Address : XXXX XXXX XXXX XXXX, Tx XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Address : XXXX XXXX XXXX, UT XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX. Account Number : XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate.

The Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX XXXX ruined my credit. I made an immediate payment on a XXXX charge from my bank payment information entered by them XXXX months before. The payment was returned because the account number was wrong. I got no letter of returned payment in the mail. No letter of a late payment in the mail after due date. No letter of auto payment ceased because letter was only available online which I had no access to. I did a complaint with better business bureau but it was not resolved. By the time I found out about a late payment it was past XXXX  days and reported to credit bureau. XXXX XXXX XXXX was aware and told me I could not access my account on line as I had no computer only a Mobil app. They mailed a form to be completed by my bank. They said the account number was wrong. I am a senior and this bank has repeatedly not sent proper notification or mailed documents to me. They ruined my perfect credit because they didnt properly notify me of any late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the following dispute letter outlining the blatant errors on my report. The bureau failed to investigate the error and instead returned a response that the item was " updated ''. They have also ignored my requests for proof of the investigation. By law credit information must be 100 % accurate or it must be removed. Disputes are also legally required to be properly investigated. This bureau has been using evasive tactics to violate the FCRA. 

Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 
These credit accounts are reporting completely inaccurate information. The last payment date wrong. XXXX is reporting the last payment date as XX/XX/2021, but XXXX is reporting the last payment date as XX/XX/2021. This is an obvious discrepancy. Both payment dates are wrong as I have not authorized any payments from my bank to this company and all attempts were blocked by my bank. Both of these dates are inaccurate and are not consistent with what is being reported. 

The account is listed as : XXXX XXXX I also noticed another account that is reporting inaccurate payment history. The following account : XXXX XXXX XXXX XXXX  Is reporting on XXXX that there is 0 late payments and on XXXX it is reporting that there is one 30 day late, one 60 day late and three 30 day late payments. This is also a clear reporting error that is inconsistent and incorrect I am requesting that these items be removed. By Law, any erroneous or inaccurate information must be removed from the consumers credit report. 

Enclosed is documentation supporting my request : I have attached photos of the incorrect dates and payment history on the accounts The Accounts in question are listed as ; XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate this matter and delete the disputed items I have attached proof of the discrepancies as well.
Product: Mortgage

Collector can not make any false, deceptive or misleading statements. 15 U.S.C. 1692e, e ( 10 ). 

Additionally, this alleged debt is IN DISPUTE, reference CFPB Case Number XXXX, and FTC Complaint Number XXXX and a CEASE and DESIST was requested of SLS, which is being IGNORED. 
SLS had defaulted in the last XXXX Debt Validation request issued by XXXX. SLS defective and non-responsive responses to XXXX DO NOT DEMONSTRATE that SLS has a legal standing to collect. Including herein the XXXX Debt Validation Request documents ; SLS remained SILENT making their OWN ADMISSION that their purported claims have no legal foundation. 
For purposes of disputing this latest presentment, SLS Statement dated XXXX/XXXX/15- XXXX had issued the XXXX DEBT VALIDATION REQUEST dated XXXX/XXXX/15, via fax transmission, and received at SLS Offices on XXXX/XXXX/15.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding XXXX, Equifaxs Violation of FCRA in Reporting Inaccurate Information To Whom It May Concern : I am writing to file a formal complaint against XXXX, Equifax for failing to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated the FCRA by failing to properly investigate and update inaccurate information on my credit report despite my timely dispute. 
The issue concerns inaccurate reporting on my XXXX credit card account. I submitted a dispute to XXXX, Equifax notifying them of the errors and providing supporting documentation to demonstrate the inaccuracies. However, they failed to conduct a reasonable investigation or update the information as required by the FCRA. 
This failure constitutes a clear violation of FCRA provisions, particularly those that mandate credit reporting agencies to ensure the accuracy of consumer credit information and to investigate disputes thoroughly and promptly. 
The inaccuracies on my credit report have caused significant harm to my creditworthiness, and I request immediate corrective action. Specifically, I am asking that : XXXX, Equifax conducts a thorough and reasonable investigation into the disputed information. 
XXXX, Equifax updates my credit report to reflect accurate information for my XXXX account. 
A detailed explanation of their investigation findings and corrective actions is provided to me. 
Enclosed, you will find copies of the following documents to support my complaint : Supporting documentation for the dispute. 

I respectfully request the CFPB to take appropriate action to ensure XXXX complies with its legal obligations under the FCRA. I look forward to your assistance in resolving this matter and ensuring that XXXX, Equifax fulfills its duties as a credit reporting agency. 
Thank you for your time and attention to this matter. 
Sincerely,
Product: Credit card or prepaid card

Comenity website for all three of my store cards XXXX XXXX  XXXX, XXXX, and XXXX XXXX ) have been down for months. I know I have credit on these accounts and Im unable to use them. Im also unable to pay my bill. When I call the customer service line, Im met with poor customer service after waiting an hour and then Im either hung up on or they can not help me at all. Im getting late fees because of this. My credit score is dropping over something completely out of my control. This is ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services reported FIVE DIFFERENT XXXX XXXX ACCOUNTS. I disputed since early XX/XX/2021 the five accounts, and some days later XXXX XXXX REMOVED MY FIVE DIFFERENT ACCOUNTS REPORTS. Early Warning Services has : 1- Answer ONLY ONE account, and does not want to answer THE FOUR REMAINING ACCOUNTS. 2- Early Warning Services WROTE AN INCORRECT ABA Number in my dispute case XXXX. 3- Early Warning Services WROTE AN INCOMPLETE ACCOUNT NUMBER, which were marked with encrypted xxxxxx that could be used in an fraudulent way. I request a COMPLETE ACCOUNT NUMBERS, AS WRITTEN IN THE EARLY WARNING REPORT, and I REQUEST AN ACCURATE ABA INFORMATION.
Product: Credit card

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.